Lincoln National Life Insurance for the Overweight

An Honest Lincoln National Review with ‘You’ in Mind

Are you overweight or obese and thinking about life insurance from Lincoln National? Think you will need to rob a bank just to get the coverage your family needs? Are you intimidated with the thought that it’s a one in a million chance to qualify?

There are many people who think they need to pay outrageous rates due to their weight issues. That is not so. Not even close. You may be someone who has put off life insurance due to a few extra pounds.

Well stop waiting!

We at Hi BMI are here to help you! Fill out a quote request form now.

You definitely can get the right insurance policy that fits your needs and budget.

Read on this review to know how and why Lincoln National has an edge in life insurance for the overweight.

Here are what you have to consider in looking for a great life insurance provider that truly helps:

  1. Is it a well-established company with good standing?
  2. Does it have strong financial security?
  3. Does it have a competitive selection of products, rates and services?
  4. Is it proficient at high-risk underwriting?
  5. Does it have good customer service?
  6. Does it have a streamlined application and claiming process?
  7. Does it provide a venue to build cash value for long-term planning needs?

Where Lincoln National has an edge on life insurance and overweight issues

  • Great history and standing in the industry
  • Dependable financial strength
  • Competitive products, rates and services for overweight clients
  • Proficient at high-risk underwriting
  • Good customer service record
  • Streamlined application and claim process
  • The venue for growth potential and other long-term planning needs alongside policy

Where Lincoln National could step up more

  • Lincoln National has great term life insurance and universal life insurance offers. But, it does not offer whole life insurance products.
  • Their build chart is for both male and female. On average, men weigh more than women. This build chart could be advantageous for women. However, we would like to see Lincoln add more weight to the men who are applying for life insurance.
  • They provide great security to loved ones left behind. Yet, they may not be ideal for those considering the least cost of the policy to secure final expenses. They have a minimum face value in that aspect. Thus, they are pricey in that aspect compared to some of their counterparts.
  • This company is huge with an excellent online presence. But one big area wherein Lincoln needs to step up more would be in offering rate information. They don’t have a basic online quote. However, you can instantly get these rates by Hi BMI.

Is Lincoln National the right company for you?

They certainly could be the right fit for you. But the best way to find that out would be with the help of an objective underwriting expert. So get in touch with one right now. Either hit the button below or use the quote request form available on this page.


Lincoln National Life Insurance History and Standing

Lincoln National Life Insurance Company is a well-trusted life insurance provider. It is a subsidiary of Lincoln Financial Group. The group is the only company granted to carry the name, image and the principles of Abraham Lincoln. It was granted permission by Lincoln’s son. Lincoln Financial Group was established in 1905 by a group of Fort Wayne business leaders in Radnor, Pennsylvania. It has a long track record of more than 100 years in business. And they have been operating ever since upon honesty, dependability and service. As such, it has received multiple awards and recognition throughout the years.

The Lincoln Financial Group offers group protection, retirement plan, and asset management aside from life insurance. The group has subsidiary companies. These smaller companies operate these insurance and investment management businesses across the globe. Because the business was doing great, they started the Lincoln Financial Foundation later on. The Foundation engages in humanitarian activities to give back. It currently donates over $100 million yearly to communities where they operate.

Lincoln National has reached far. It is now a Fortune 500 American holding company with a strong financial track record. Lincoln National is now a traded entity known as LNC on the NYSE. The company ranked 205 out of 500 in the latest Fortune 500 ranking in 2018. It ranked 220 out of 500 on the Baron’s list. In terms of assets, it ranked 25. For 2018 alone, its reported net income was $1.6 billion. And by the end of 2018, Lincoln National Life Insurance has a jaw-breaking total of $298.147 billion assets under management.

Lincoln National Financial Strength Ratings

Lincoln National Life Insurance is a leading life insurance company. As such, it has been regularly assessed by rating companies. They look into Lincoln National in terms of its financial strength and stability. It’s great to note that Lincoln National receives consistently high ratings. The most recent strong ratings are found below. These reflect Lincoln National’s strong commitment and financial management.

Financial Ratings by A.M. Best

A.M. Best gives Lincoln National an A+ rating (Superior) in its latest rating on February 14, 2018. Lincoln National ranked the 2nd highest of 16 other leading life insurance companies. This rating tells us that Lincoln National has a very strong balance sheet strength. The company has a stable outlook. Lincoln National leads in the market and has a favorable business profile. It has a strong operational performance and very strong enterprise risk management (ERM). AM Best issues the A+ rating based on facts previously pointed out.

Financial Ratings by Fitch

Fitch gives Lincoln National an A+ rating. They ranked the company the 5th highest of 16 other leading life insurance companies. This latest rating on January 19, 2018 shows a positive outlook. Why not? This is the highest rating on the scale.

Financial Ratings by Moody’s

In their latest rating of Lincoln National on January 19, 2018, Moody’s gives an A1 rating. They ranked the company the 5th highest of 16 other leading life insurance companies. Lincoln National has a stable outlook. The A1 rating signifies that the carrier has stability in its finances and cash reserves.

Financial Ratings by Standard and Poor’s

Standard and Poor’s gives Lincoln National an AA- rating in its latest rating on October 10, 2018. They ranked the company the 4th highest of 21 other leading life insurance companies. They state that Lincoln National has a stable outlook. The AA- rating means that the carrier’s promises are high quality and has strong funds.

Is Lincoln Financial secure enough to pay death claims in the future?

It is a definite, yes. That’s two yes for the first two questions. Looking at those eye-popping figures and ratings, it’s not rocket science that Lincoln Financial offers security to claims. So, they are and will remain stable in the years to come.


Lincoln National Life Insurance Products, Rates and Services for Overweight Clients

According to the CDC:

  • Percent of adults aged 20 and over with obesity: 39.8% (2015-2016)
  • Percent of adults aged 20 and over with overweight, including obesity: 71.6% (2015-2016)

Over the years, being overweight and obese has become common in society. In the most recent data, there is an increasing nature of the overweight and obese population in the US. Because of this, Lincoln National has adjusted policies to provide for this widening audience. The company offers clients comprehensive life insurance product options at competitive rates and services. Hence, they have the best life insurance for overweight clients.


Lincoln National offers two main life insurance options. They have a term and universal life insurance. You also have an option to add more services to these to better fit your needs, goals and budget. Lincoln National’s wide product selection stands out amongst others. One of its strength lies in the context of the options they have for each category. You can make the most when you opt for universal life insurance.

Term Life Insurance

Lincoln National has term life insurance policies with 5, 10, 15 and 20-year terms at a fixed premium. Term life insurance is a simple and affordable way to give you temporary coverage. In addition to this, the insurance protects your loved ones over a specified period. Once the term has ended, you can stop making payments and let go of the coverage. However, if you choose to keep the policy, you can do so at an extra cost.

There are additional options available for this life insurance policy. You can add children’s term coverage. There is also an option to waive premium payments if insured becomes disabled. You may also opt to receive a portion of the death benefit in the event of terminal illness as well. These can be included at additional cost to the premium.

Universal Life Insurance

Universal Life Insurance provides lifetime coverage set to your desired level of protection. This may allow a chance to build cash value. To build cash value, you additionally give payments over the cost of your policy. The extra money is then placed into an account wherein it grows over time.

Variable Universal Life Insurance

Variable Life Insurance is a combination of permanent coverage and many investment options. It is flexible and is fit for your needs. This life insurance provides you a flexible premium and offers benefits in the event of death. Together with it is the opportunity to build cash value with your preferred investment.

What Best Life Insurance for the Overweight can Lincoln National Offer?

No exam life insurance presents as the best life insurance for overweight persons. It doesn’t need blood tests and exams. It does not involve all the underwriting unlike traditional policy.

Wondering if overweight people can get a traditional life insurance policy? Well, yes you can! If you opt for traditional policy, we also get you covered. Let’s cut the chase, you only three simple steps! We will talk about these shortly.

Do you want to get expert advice on which one is the best fit for you? Hit on the button below and connect to one of our underwriting experts.



Aside from great product offering, Lincoln National assures highly competitive rates. It is known for its affordable premium rates for life insurance.

Will life insurance be more expensive if I’m overweight?

This company is much more forgiving than you think. Better yet, you can even be approved at a preferred rate. As long as you’re in a good state of health, you can secure affordable life insurance at a competitive rate. Better rates come when you don’t smoke and don’t have underlying heart conditions or diabetes. This goes even better with age, as if you’re over 65, you could weigh more and still qualify at preferred rates.


Above all, Lincoln National sets itself above others as they have a good resource center. In there, they provide clients with detailed information. You can find there a clear instruction on what to do and prepare when processing a life insurance claim. The life insurance claim section is clear and client friendly. This makes sure claim processing is as smooth as possible. It is very promising especially when one’s a fish out of the water in the future.

Is LFG any good at High-Risk Underwriting?

Lincoln National has very forgiving requirements on their underwriting materials. This is very favorable for clients who are overweight. One that is also beneficial for clients with certain health conditions. This advantage is in terms of economic value and coverage.

Lincoln National Life Insurance Customer Service

They have a good customer service record. We can say this because they are very efficient in attending to client concerns. They have 19 complaints closed in the last 12 months. A total of 52 complaints closed in a span of only 3 years, as reflected in the Better Business Bureau. Majority of these are about claims on policies involving employer benefits.

The Application and Claim Process at LFG

The company provides great life insurance solutions. This is because, the solutions not only meet your needs but save time and enhance your experience. They have embraced a modern approach in their application and their claim process. So, the integrated application process decreases turnaround times and ensures high-quality order applications. With such, a faster permanent or term policy issue is guaranteed. This also applies to Indexed UL products.

Lincoln National Life Insurance Growth Potential Opportunities

You can easily take care of other long-term plan needs. It is because they offer group protection, retirement plan, and asset management under the same roof. And good news, they have great coverage, terms, rates and cash value growth.

Why doesn’t Hi-BMI use Lincoln National for Every Life Insurance Case?

Lincoln National has proven its worth in the life insurance sector. They are a pro in underwriting and the processes in life insurance. Above all, they have made it big in financial strength.

While we are happy to work with them, we put the most value to the best life insurance rate for you and your family. Every case is unique. Thus, we find the best company having YOU in mind. Here at Hi BMI, we make sure you keep the options open.

We care for you. In today’s economy, we want you to make the best out of your resources – time and money. We keep things simple for YOU.

The Summary of Lincoln National Life Insurance

All in all, Lincoln National is a big name in the life insurance sector. This is owing to their great products and services fit for every need.

Lincoln is definitely a great life insurance choice.

Steps to get Approved with Lincoln Financial

Why get overwhelmed looking all over the web? When all you need is three simple steps to getting the best life insurance!

(1) Fill out a quote from Hi BMI.

Provide complete and accurate information.


(2) Determine your needs, your family’s needs and your budget.

Protect your family with affordable Life Insurance. Choose from term duration that meets your needs and budget. Now is the best time to do this!

(3) Let our underwriting experts do the rest!

Our underwriting experts will help you complete your application. They will schedule a nurse to come to your house to go over some health questions. They will handle the underwriting of your case. Finally, they’ll get your policy documents to you once you are approved.