Inkampani yase-Lincoln yeNational Insurance Company yinkxaso yeLincoln Financial Group. Inkampani yasungulwa ngo-1905 kwaye ikwase-Radnor, ePennsylvania.
Yinkampani ye-Fortune 500, ibekwe kwi-247 kuma-500 kwaye iyinkampani yokuthengiswa esidlangalaleni kwi-NYSE phantsi kwesimboli se- LNC . Inkampani ikwahlu lwe-Baron ye-500 kwaye ikwabekwe kwi-220 kuma-500. Ixabiso lexabiso leLincoln Financial Group lafikelela kuma-dollar ayi-223 yezigidigidi ngo-2013.
Imisebenzi yezoLimo zeLincoln zeCandelo lezeMali ihlukaniswe yaba ngamacandelo amane kuquka i- inshorensi yobomi , i- annuities , ukukhuselwa kweqela kunye neenkonzo zokucwangcisa umhlalaphantsi . I-Lincoln Financial Group ibandakanyeka kwimisebenzi eninzi yokuzibandakanya kubandakanywa neLincoln Financial Foundation eyinikezela ngaphezu kwezigidi ezili-10 ngonyaka kwiindawo apho zigcina khona ubugcisa obunamandla.
Izinketho zePhorensi yeeNtshulo
ULincoln kazwelonke unikezela abathengi bayo umgca opheleleyo wemveliso ye-inshorensi yobomi kuquka:
Ixeshana - Iimveliso zomshuwalense wee-life zinikezelwa yiNkampani yeNkampani ye-inshurensi yaseLincoln yeNkcazo ibandakanya imigaqo-nkqubo ene-5, 10, 15, okanye i-20-year-limit limit limits. Abagadi bee-Supplemental ezifumanekayo kunye nenkqubo yomshuwalense wexesha lomsebenzi kubandakanya: ukukhishwa kwe-premium rider - iintlawulo ze-premium zingasuswa xa i-insured ikhubazeka ngokupheleleyo; Umgangatho we-inshorensi yexesha eliphantsi labantwana - Unika ithuba lokubhengezwa kwekota kubantwana; kunye nomqhubi wenkxaso-mali enokukhawuleza - Unokufumana inxalenye yesibonelelo sokufa xa uhlakulela isifo sokuphela. Zonke iinkqubo zomgaqo-nkqubo wokuphila kwenkqantosi kwaye zifumaneka ngeendleko ezongezelelweyo kwi-premium yepolisi.
I-Universal - Lo mgaqo-nkqubo unikeza inshorensi yobomi obungunaphakade kunye nexabiso lokuqokelela imali. Unyulo oluninzi lwemigaqo-nkqubo kunye neenkxaso ziyafumaneka kunye nenqubomgomo yomshuwalense wobomi bendalo ngeLincoln National ukulungiselela umgaqo-nkqubo ukuba ulungele iimfuno zakho. Izinketho ezongezelelweyo ziquka iinzuzo ezikhawulezileyo, iinzuzo ezikhawulezileyo kunye nokugula okubalulekileyo, inzuzo yokufa ngengozi, ixesha lezingane, ukukhubazeka okuqinisekileyo, ukuxhaswa okuqinisekileyo okuqinisekileyo, inzuzo yokufa okuncinci kunye neqabane eliqhelekileyo.
Ubomi be-Universal Life - Inketho edibanisa i-inshorensi yomhlala-mali ngexabiso lemali yokuqokelela imali kunye nekhemishoni eguquguqukayo kunye nokhetho lokufa. Kukho imigangatho engaphezulu kweyeshumi elinambini yokuphila yobomi jikelele efumaneka kwiLincoln National.
Ezinye iimveliso zomshuwalense yezempilo ayitholakali eNew York.
Uzinzo lwezeMali
Inkampani ye-inshurensi ye-Lincoln yeNational Life isingqoqo-mali kwaye inako ukuhlangabezana neembopheleleko zemali kunye nokuhlawula nayiphi na ibango elinikeziweyo. Olu buchule luboniswa ngokulinganisa okunikezelwa ngolu hlobo lwemibutho yomshuwalense :
AM Best - A + Superior
Inkonzo ye-Moody's Investor - A1 (eFesithi ephakamileyo kunazo zonke izilinganiso ezingama-21)
I-Standard & Poor's (S & P) - AA- (Isine sesine Isisindo esiphezulu)
I-Business Business Bureau
Inkampani yaseLincoln yeSizwe, inkampani yomzali we-Lincoln National Life Insurance Company, ine-"A +" kunye neBBB kwaye ibe yinkampani evunyelwe ukususela ngo-1939. Ngethuba lexesha leminyaka emithathu, kukho izikhalazo ezipheleleyo ezingama-92 kunye neninzi yazo kuba kwiingxaki zeemveliso okanye iinkonzo.
Pros & Cons
Inkampani ye-inshurensi ye-Lincoln yeNational Life iyinxalenye yeLincoln Financial Group kwaye inika ukhetho olunzulu lweemveliso zinshuwalense yobomi. Ngobunzima bokubaluleka kwezezimali, unokuthembela ngokukwazi ukuhlawula amabango kwaye uhlale uphephile ngokwezimali.
Enye inzuzo iyakwazi ukunyamekela zonke izidingo zakho zokucwangcisa ixesha elide ezifana ne-inshorensi yobomi, ulawulo lwe-asethi, kunye nokucwangcisa umhlala-phantsi nenkampani enye. I-inshurensi yobomi bomshuwalense iyancintisana. Umonakalo wenqubomgomo yomshuwalense wobomi kukungakwazi ukufumana i-quote online.
Iinkcukacha zoqhakamshelwano
Ukuze ufunde kabanzi malunga ne-inshorensi yobomi kunye neminye imikhiqizo enikezelweyo, tyelela kwiwebsite yeLincoln Financial Group okanye ubize u-1-800-487-1485.