Lincoln Financial Group

Was not able to cancel my policy since they said they sent me a letter stating my surrender form was missing pages. I never received this so called letter and forfeited $202. I had this policy for 35 years, so they sure made enough money on it and could not even give me this remaining balance. Stay away from this crap company!

I have had trouble getting what I have payed for over 3 years and y'all trying y'all best not to pay and it takes y'all weeks to just send a email back it's a scam and I will tell all my co workers to not get this in November when open enrollment comes

Their "Customer Service" people are by far the most difficult insurance back office to deal with, and that's in an industry with generally very poor customer service. Stay away...far, far away!!

They transfer you from department to department endlesly. Even when you reach the right department, they say hold on one second, and then you're kicked back to the general 800 #, forced to repeat yourself a 5th + time. Horrible company!

I needed short term disability for my depression and anxiety due to my husbands many health issues that started after knee surgery. I am his care taker as well as we have no children, there were days I could not get out of bed due to my depression. They approved part of
My claim, but not the extension stating they saw no reason I could not work per their nurse practitioner. My PCP, who went to medical school, he walked into the office door and as soon as he saw me knew right then and there I had issues. I not only saw him I saw two psychiatrists while I was off work one of them for several appointments. LF stated I could deal with daily work and life situations and they denied my claim. So, my Dr who knows me and my husband very well, we are both his patients, says yes I need this time away due to all of the issues we are Dealing with. He even wrote a letter to LF stating this time was needed but the Nurse practitioner for LF says I didn’t need that time off. These people are a joke and so I will complain to my HR representative as I am losing quite a bit of money they are refusing to pay me or approve the remainder of my time off. I did everything required of me to comply with what information-notes, paperwork, doctor recommendations etc for the extension. I told my case representative that LF causes even more stress and problems for people who are going through enough crap already, then have to deal with this bunch of useless people. It is ridiculous. They are a crap 💩 company.
I am currently Considering legal action. They don’t deserve a 1 rating.

Lincoln Financial should be shut down. I complied with all the paperwork they asked for while on short-term disability. They paid some of my weeks but then stopped paying, stating they needed more paperwork. They sent me a form through DocuSign to fill out, pertaining to my physician and therapy. I filled out the information and sent it back to them. Three days later, I go to check my claim, and how convenient, it has been closed without a phone call, an email, or anything from them. This should be illegal; I was under a physician's orders with a return-to-work date. They tell me they didn't receive the requested information, which is untrue because it's funny how they enter in only what they feel is necessary. I have transmitted faxes with the results sent. Dealing with this company is completely disgusting and very distasteful.

Been with my employer for 30 years, so I had a medical issue in which I had to file for disability. After reading the reviews, I know it wasn't just me. On my short term, I never got my phone calls returned, only after I had to get my employer involved. And transition to long term, the case manager made me feel like I was trying to scam them, demanding info from all my doctors instead of the doctor who took me off work. I felt belittled and like I was trying to get one over on them. I paid them for thirty years, and the time I had to use them was the worst experience of my life. It makes me want to switch jobs just to get out from under them. I never want to go through this again. The president claimed that the insurance company's profits were up 1700%. Who is scamming who? Reading the other reviews just scares me. I believe Congress ought to file legislation to put guardrails in place to oversee them. I know they run into scams, but if a person has been employed for 10 to 30 years with no false claims, that's what they need to go by. Now everyone is considered a scammer, which just isn't right. Please, Congress, put this company into check with better rules and regulations for them to go by. Thank you.

"I am a retired Financial Advisor of 40 years as of December 31, 2024. In the mid-1980s, I purchased four Universal Life policies from CIGNA, which was later acquired by Lincoln Financial Group. At one point, I used the cash value of these policies as collateral for a business loan to operate my planning business. All loans were paid off in 2007, and at that time, an older agent was listed on my policies as the agent of record. Paperwork was submitted then to release the liens on these policies from the bank.

In May of 2025, I was looking at updating some services and name changes to these policies and discovered that these liens were still showing, implying that the paperwork sent in 2007 had never been processed. I inquired about what was needed and had it submitted by the current bank, which has changed names three times since 2007. This was in June 2025. In September 2025, I attempted to contact them to handle the changes. They stated that they mailed me a letter dated August 6, 2025, with additional information needed. I never received this letter by mail but did have them send a copy to me via email. Additional paperwork was submitted two weeks later.

I followed up once again via email on October 20th. They had still not processed the documents and said they sent me a letter dated October 13th, indicating that something else was needed. This was after the bank's officer and I had called them to ensure they had everything required. I still haven't received the October 13th letter. The president of the bank called them and finally got them to release these assignments.

I had decided to cash in these policies instead of trying to update the files, as I felt these policies were no longer necessary for our financial planning. The banker requested that they expedite the surrender forms I had submitted two weeks prior to the fourth release of assignments sent. They now show no value online, but as of today, more than a month since submission, I still have not received the checks for these policies.

I have never had a problem receiving the annual reports or the annual premium bill. I did not want to give any stars, actually negative, but with the 495 complaints the state of Kansas shows for them this year, it is pretty clear they are the worst. However, in my 40 years, I can't say that I have had good service from most insurance companies. I can't imagine those who are laypeople speaking to these representatives without knowing what questions to ask.

I spent a good part of those 40 years on the phone trying to deal with companies and their inability to process properly completed paperwork. And I am sorry, but it is only getting worse. Just wait until AI takes over these issues.

Horrible! They do whatever it takes to disqualify you, sending excessive paperwork for medical departments to fill out, causing a great deal of inconvenience to the staff. They often duplicate the paperwork assignment for the same condition. They don't contact you when they say they will. I filed a complaint with my HR department about them. They will call you on different numbers to make it confusing as to which number to call back. Plain and simple, they are not there for your future or disability needs. I did all the work to get my SSDI, not them. Their attorney staff is ineffective.

Bad customer service, terrible timing to process claims... the worst experience ever. The protocol of 5 to 7 business days to process any change or review is a joke. It doesn't take 5 to 7 business days to collect payment from me.

They are literally the worst company to handle any kind of disability leaves for employers. No one ever knows anything; you get transferred to a leave specialist who never returns calls. Completely false information was provided, and no one knows what they're talking about when you call to get questions answered. I hope our employer definitely chooses to go to someone else. It's been nothing but headaches from the very beginning.

Awful company - avoid at all costs!

My in-laws purchased a life insurance policy over 30 years ago with Alexander Hamilton Life, which was eventually acquired by Lincoln. Unfortunately, Lincoln doesn't care about the life insurance policies they've acquired through buyouts. What's worse is that the premiums have significantly increased over the last few years - I suspect we've paid more than $30,000 for a $25,000 policy.
There is no means of making online payments (they didn't bother setting that up). Customer support is terrible, assuming you can even reach them on the phone. Most of the time, you are left on hold, only to reach someone overseas who does not understand English or is useless. On the rare occasions you connect with someone in the U.S., you get some combination of attitude and misinformation. When it comes time for them to make a payout, they never respond.

How this company remains in operation is a mystery. It's more than just incompetence with Lincoln; it's fraud. Someone needs to investigate and shut them down before others get burned.

I am beyond frustrated and deeply disappointed with London Financial. For months, I've faithfully paid into their short-term disability plan with each paycheck, trusting that I would be supported when needed. Now, while I'm on leave, I've received nothing. Despite countless attempts to reach them, it wasn't until I escalated the issue that I finally got a call. And the outcome? They're only willing to pay me $50 a week, all because I'm also receiving FMLA benefits through Washington State. This crucial information was never made clear in my portal or during enrollment. If they're going to offset the benefit like this, then why am I even paying into it?

The case manager assigned to me was rude and extremely difficult to reach. The entire process has been a complete headache, and the lack of transparency and communication is inexcusable.

I'll be telling my coworkers as soon as I return to work so they can make a more informed decision and avoid making the same mistake I did. I'll be canceling this benefit immediately and strongly recommend others do the same. Stay far away from this disreputable company.

I purchased a life insurance policy over 30 years ago from Lincoln National Life Insurance Company. At the time, the policy paid a 4% guaranteed interest rate. After around 25 years, I noticed the administrative fees, about $200 monthly to "care for the policy," had become so high that the premium I was paying could not cover all the expenses. Essentially, administrative fees were about 10%, while the policy interest was 4%. At this point, the policy loses money every month. In talking with Lincoln National Life Insurance Company, I asked if administrative fees would ever decrease. They assured me they would keep rising. Soon, the policy will lapse and it will be worth nothing. I can either cash in my surrender value now or let it lapse and have life insurance for a couple more years. I am writing this review for all you 20-25-year-old individuals who are considering life insurance for your family. Please don't make the same mistake I did. Find out what the policy will be worth when you turn 65 or so. At 25, you just want the protection for your family, but after paying them for years, all I got was the protection with zero remaining to show for it. This was not a term policy but a universal life policy, purchased from someone I thought was reputable. Please do your homework carefully, and my suggestion would be to stay away from Lincoln National Life Insurance Company.