LINCOLN FINANCIAL GROUP

My Father death was in November 2017. I contacted Lincoln National Life Insurance on several previous occasion over the years starting in 2011 when I realized I had 2 Death Policy in my name to try to surrender it to use the money to care for my Father. I couldn't get access truly till having going to Probate hearing and became Independent Executor on 01/19/2018. I have 2 calls since this 01/19/2018 with documents giving me rights I would assume for the ability to discuss my now finding out that 2 different policies exist with my name listed on these policies. I have sent off the website change of address and surrender forms and any form that address getting this process moved along or even get ability to understand what is need. After 5 days to see if where the process is after I have faxed and called with being informed initially that 8 business days are required. With the most recent telephone call the number for days may change to process. I have be informed that action of surrender will restart and make it 16 days. I will have to start again process due that I may I may have the wrong forms. This process at present very little can be discussed with me, because it have not been determined that I am the person/beneficiary though both policies are in my name with my father's death certificate and court appointed Independent Executor letter is deemed adequate. Hour at a time with delaying tactics and misinformation with the same person with 2 different calls. This is huge company and I see the trend with other insurance products are delayed and information/documentation is mishandled. I have contacted the *** with both policies separated into 2 complaints.My Father bought both these policies many years ago in my name and one policy has me as the beneficiary and payor. Delaying is money for insurance companies.

Last year the stock market value was around 12% return. My portfolio with this company was less than 5%.On the advice of my plan administrator it would be wise to spend a few percentage points in order to get a much better managed rate.The only ones to make money were Lincoln and my so called financial advisor.It has taken 2 months for me to rollover my account to Oppenheimer,where my return last year was 19%.

I was placed on sick leave and turned out to be a long term disability. My contact person at Lincoln Financial group is Frank ***. He has been so helpful I cannot thank him enough. I have been in contact with him for a while and even though I know my long term disability is going to end at some point I am never going to forget that he was there when I needed him the most. At my most difficult time. I really truly appreciate all his help and am grateful. Of course there were moments of difficulties like trying to retrieve records or get information from my doctors but there was always plenty of time he gave me to turn in forms. My experience with Lincoln financial group has been pleasant because of Frank ***. Thank you for all your help.

I sent in all the paperwork to surrender my policy, but the time that it has taken seems very excessive. I have called three time over the course of more than a month and they still have not cut the check and don't seem to have any idea when they will. Ever time I have called in the time frame gets longer. I will never again do business with Lincoln Financial again!

Hiring*** as Assistant Vice President is the worst move Lincoln Financial Group could make. This man is responsible for employee abuse and the downfall of the call centers he was in charge of while with***. Because of his "leadership" we went from our stocks coming in at $*** to now the low at $. Until this man is gone from Lincoln Financial Group,I will no longer hold any policies with them.

make it impossible to get to your money with a hardship

Lincoln Financial isn't a company with any ethics or care. They have denied my disability through a review of records by their neurologist in TN who is rated online as a "quack". It is ridiculous that we all pay them premiums and never get any payments when disabled.

My mom passed last month. She had two insurance policies. The Lincoln policy required twice as many papers to be filled out, required notarized signatures, kept losing signed documents that we sent to them, kept requiring more things to be done though we had already done them, and took 2 weeks longer to pay their settlement than another policy which was for 3 times the amount of the Lincoln Policy. Finally they would not pay into an account that the other policy had no trouble paying into... we had to set up a whole different way for them to pay the settlement, another week delay. I would not recommend them.

I have been trying to transfer my money from Lincoln to another financial advisor for 4 months. Since the request they have contacted me about the transfer of funds and have talked with my financial advisor. Now they say we have never requested the transfer and are making us start completely over.

This company does NOT help there customers. I paid into Ltd and when I needed it it was given however without notice they stopped paying and left me homeless while trying to recover from a Traumatic Brain Injury. Now I am going to be homeless because I can't work and have no income. I have filed for SSDI BUT that is a waiting game.

Lincoln financial is currently horrible at customer service. I do not recommend for short term disability. Do yourself a favor and find another company! I have been out of work since March 6 due to dangerously high blood pressure as a recent of pain when standing and walking. I had surgery May 2 and still have not received a penny! Having 2 rods and 2 plates placed on the spine with 2 - 8 inch incisions, one on ,y stomach and one on my back the surgery claim should have been paid by now! I am now in appeal which is ridiculous and the appeals department is blaming the customer service department! Mean while my bills are due!!! Do yourself a favor and find a different short term disability company!!!!!!!!!!!!!!!!!!!
I am going to be looking for a lawyer!