Life operations

Policy administration related to COVID-19

Please note: Given the fluid nature of this situation, these questions and responses are reflective of a current point in time and may evolve as necessary. Should you have additional questions or need additional detail, please reach out to your Lincoln sales or service contact.

Customer service

How can I get information and submit a request on my life insurance policy?

We are focused on making it easy to do business with us.

You can access your policy information 24/7 by logging in to your online account.

Our Customer Care Center is here to serve you from 8:00 a.m. to 6:00 p.m. Eastern, Monday through Friday, at 800-487-1485.

Do you anticipate any change to service offerings if Lincoln Financial Group (Lincoln) employees are affected by COVID-19?

Currently, we do not anticipate any impact to our individual life insurance hours of operation or service processing time.

We have a robust crisis management plan in place and are fully prepared from a business continuity perspective, while keeping the health and safety of our employees as a top priority.

What is Lincoln doing to help customers who are impacted by COVID-19?

We’re committed to supporting customers who are impacted by COVID-19, including making special adjustments to normal business processes through July 31, 2020. We are closely monitoring state/federal guidelines and adhering as appropriate.

If you need assistance with your individual life insurance policy, please contact us at 800-487-1485. We will review each situation on a case-by-case basis.

What should I do if I am impacted by COVID-19 and need additional time to make my premium payment?

We will work with those impacted to ensure they have the coverage they need.

If you need additional time to make your payment during the COVID-19 impact period, please contact us at 800-487-1485 to discuss your situation.

If your policy lapses prior to August 1, 2020, upon your request within 60 days of lapse and in accordance with state guidelines, Lincoln will review an exception to reinstate coverage without requiring any evidence of insurability. Attestation of financial hardship and all required premium due will need to be remitted for reinstatement consideration.

Are there options for policyowners to pay premiums other than by check?

There are several options on how to make a premium payment other than by check:

  • Electronic Fund Transfer (EFT) – please contact us to set-up an EFT payment
  • Online – through your personal bank account’s online payment portal
  • Wire – please contact us to establish a wire transfer
  • Phone – payments are accepted over the phone in certain circumstances.

For assistance please contact us at 800-487-1485.

Is it possible to have a disbursement request (loan, surrender, withdrawal) expedited?

Please contact us at 800-487-1485 to request an expedited disbursement due to financial hardship related to COVID-19.

Will Lincoln pay the death claim if the cause of death is related to COVID-19?

Our individual annuity and life policies do not contain exclusions related to any specific disease or a pandemic. If a claim is received where a death occurred due to COVID-19, it will be paid in accordance with our normal procedures, subject to our standard contestability provisions. We remain committed to paying death claims as quickly as possible.

If you need to file a death claim you may do so either online, by clicking here, or contact us at 800-487-1485.

  
For life insurance policy owners and annuity contract holders currently residing outside the United States, click here. (PDF)

Lincoln Financial Group, its affiliated companies, and its representatives/insurance agents do not provide tax advice. Consult with your tax advisor to learn more about your specific situation. Lincoln Financial Group is the marketing name for Lincoln National Corporation and insurance company affiliates. Insurance products issued by The Lincoln National Life Insurance Company, Fort Wayne, IN and Lincoln Life & Annuity Company of New York, Syracuse, NY. Contractual obligations are backed by the claims-paying ability of the issuing insurance company. The Lincoln National Life Insurance Company does not solicit business in the state of New York, nor is it authorized to do so.

For Use with the General Public.