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FRAUD HOTLINE

Suspicious Incident Referral Form

Life insurance, annuities and securities fraud in any form is a crime. In many states, this fraud is a felony, punishable by imprisonment. Fraud results in increased rates for everyone and higher prices for consumer goods and services.

Lincoln Financial Group is committed to detecting, reporting and prosecuting anyone who commits fraud against our customers and stockholders. We created this web section to provide you the opportunity to help fight fraud by reporting suspected fraud directly over the web. Help Lincoln Financial Group to keep your insurance and investment costs as low as possible!

What is fraud?

Insurance fraud is generally defined as any act or omission knowingly committed by a person with the intent to obtain a benefit by deceiving an insurer. Insurance fraud may consist of presenting false information on an insurance or annuity application, in support of a claim for benefits, or in exercising any other right or benefit provided by an insurance policy or annuity contract.

Securities fraud under the 1934 Securities Act states, "it is unlawful for any person, directly or indirectly, by the use of any means or instrumentality of interstate commerce, the mails or any facility or any national securities exchange, to employ any device, scheme, or artifice to defraud; to make any untrue statements of a material fact or omit to state a necessary material fact; or to engage in any act, practice, or course of business which operates or would operate as a fraud or deceit upon any person, in connection with the purchase or sale of any security."

Fraud may also involve financial exploitation of older persons (persons 60 years old or older) or adults with disabilities. Financial exploitation involves the improper use of funds of a capable, older person or of an adult with a disability, or the improper use of his or her property or resources by another individual. Such exploitation may include misrepresentations, embezzlement, conspiracy to commit fraud, falsification of documents or records, coercion, fraudulent transfer of property, or denial of access to assets.

Examples of fraud:

  • A vendor submitting false or inflated bills and invoices.
  • Insider trading — Buying or selling stocks of a company based upon knowledge of any non-public information, or passing such information on to someone else who trades in stock.
  • Making exaggerated, false or misleading statements about medical history, date of birth, driving habits, criminal history, height, weight, or smoking habits on an application for insurance or any other financial product.
  • Misrepresenting or abusing accounts, such as conducting unauthorized transactions or not acting on authorized instructions.
  • Money laundering or attempting to disguise the proceeds of illicit activities.
  • Submitting false or exaggerated insurance claims.
  • Violation of consumer's and customer's confidentiality to obtain benefits under false pretenses.

How can you help? The Confidential Suspicious Incident Referral Form is provided for your use and is helpful to us in pursuing your tips. You may remain anonymous and all information provided will be kept strictly confidential. However, if you remain anonymous, we will not be able to contact you if further information is needed. Our Company has a long-standing commitment to protecting the security and confidentiality of information.

Please note that this is a secured Web page; however, if you are not comfortable with transmitting information over the Internet, you can print out a copy of this form and send the completed form in by regular mail to:

Lincoln Financial Group
ATTN: Special Investigation Unit Coordinator
1300 South Clinton Street, 7C01
Fort Wayne, IN 46802


Hello future.
Lincoln Financial Group is the marketing name for Lincoln National Corporation and insurance
company affiliates, including The Lincoln National Life Insurance Company, Fort Wayne, IN,
and in New York, Lincoln Life & Annuity Company of New York, Syracuse, NY. Variable products
distributed by broker/dealer-affiliate Lincoln Financial Distributors, Inc., Radnor, PA. Securities
and investment advisory services offered through other affiliates. Explore Lincoln.



LCN-2008274/LCN1308-2084438