Jeffrey Manola is an experienced life insurance agent and the founder of Top Quote Life Insurance. His mission when he created Top Quote Life Insurance was to provide online consumers searching for life insurance with the absolute best quotes for term life insurance, permanent life insurance, no medical exam life insurance, and burial insurance. Not only does he strive to provide you with the ...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insur...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Aug 17, 2021

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Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different life insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

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Facts You Should Know

  • A.M. Best gave the same rating to both Lincoln and Securian Financial
  • The Better Business Bureau gave a higher rating to Securian Financial
  • Securian Financial offers more affordable rates to men of various ages than Lincoln Life Insurance
  • Securian Financial also offers more affordable rates to women of various ages than Lincoln

Part of what makes comparing life insurance companies difficult is the sheer number of options on the market. To simplify matters, we will be focusing on Lincoln vs. Securian Financial life insurance companies today.

Our Securian and Lincoln Financial Group life insurance review will cover the term life insurance rates offered to men and women of various ages. Also covered will be ratings from both the Better Business Bureau and A.M. Best.

Before we dive into our Lincoln vs. Securian Financial life insurance comparison, type your ZIP code into our free and helpful tool above to find the most affordable life insurance quotes in your area.

Lincoln vs. Securian Financial: Which company offers more affordable life insurance rates to men?

The simplest place to start when comparing two companies is pricing. Let’s look at a table that compares Lincoln vs. Securian Financial monthly term life insurance rates for men.

Lincoln vs. Others: Term Life Average Monthly Rates for Males
Company30-Year-Old Male Average Monthly Rates40-Year-Old Male Average Monthly Rates50-Year-Old Male Average Monthly Rates60-Year-Old Male Average Monthly Rates
Haven Life$23.45$31.20$85.47$245.67
Lincoln$12.34$15.22$30.96$71.95
Nassau Life$17.43$26.15$51.69$119.78
Principal$12.69$15.80$31.15$71.97
Prudential$21.88$25.60$38.07$79.41
Sagicor$12.60$17.07$43.59$103.05
SBLI$11.80$14.53$31.88$75.61
Securian Financial$8.81$11.04$22.17N/A
State Farm$24.59$33.72$69.59N/A
Transamerica$12.47$18.71$37.41$86.86
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How easy is it to find affordable Lincoln vs. Securian Financial life insurance quotes? As you can see, Lincoln is about $3.50 more per month than Securian Financial for men in their 30s.

How about men in their 40s? These men will be paying over $4 more per month with Lincoln. Is this also true for men in their 50s? For this category, Lincoln is over $8 more expensive than Securian Financial per month for term life.

In short, our Lincoln vs. Securian Financial life insurance review has shown us that Securian Financial offers more affordable rates to men of various ages than Lincoln.

Term Life Insurance Policy Specifications

In case you are still interested in a policy from Lincoln, let’s take a closer look at Lincoln’s TermAccel policy. Note the term periods and death benefits.

Lincoln Financial TermAccel
Lincoln Financial TermAccel
Issue Ages:18 - 60
Coverage Options:Term Life Insurance
Death Benefit Amounts:$100,000 - $1,000,000
Health Classes:Preferred Plus, Preferred, Standard Plus & Standard
Application Type:Online
Telephone Interview:Yes
Exam Potential:Could be required
Underwriting:MIB, MVR, Prescription History
Fastest Approval Time:2 - 7 Business Days
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It is very much worth being aware of your specific needs prior to choosing not only a company, but a company’s specific coverage form. No two companies offer the exact same product line.

Now that we have some more details about Lincoln’s coverage, let’s see which company offers more affordable coverage to women of various ages.

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Which company offers more affordable rates to women?

Let’s now take a look at a table comparing Lincoln vs. Securian Financial monthly term life insurance rates for women.

Lincoln vs. Others: Term Life Average Monthly Rates for Females
Company30 -Year-Old Average Monthly Rates40-Year-Old Average Monthly Rates50-Year-Old Average Monthly Rates60-Year-Old Average Monthly Rates
Haven Life $20.01$27.76$68.24$160.40
Lincoln$16.10$21.22$37.41$74.81
Nassau Life$16.14$22.52$42.11$89.06
Principal$11.27$14.39$25.94$51.41
Prudential$17.72$21.22$37.63$59.07
Sagicor$10.95$15.10$36.75$63.78
SBLI$10.38$13.08$26.72$53.85
Securian Financial$8.21$9.83$17.31N/A
State Farm$18.72$28.49$54.59N/A
Transamerica$11.18$16.34$29.89$71.81
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Is Securian Financial cheaper for women just as it was for men? For women in their 30s, Securian Financial is nearly $8 cheaper per month.

How about women in their 40s? These women will be paying over $11 more per month with Lincoln.

Lincoln is also more expensive for women in their 50s. These women will be paying $20 less per month with Securian Financial.

We now know that Securian Financial is the cheaper company across the board when compared to Lincoln. Let’s take a look at Lincoln vs. Securian Financial Group reviews from the Better Business Bureau (BBB) and A.M. Best.

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Lincoln vs. Securian Financial: Which company is more well-reviewed?

To wrap up, let’s look at the ratings given to these two companies by A.M. Best. These Financial Strength Ratings (FSR) give potential insured confidence in an insurer’s ability to meet its financial obligations.

Let’s take a look at a table that compares the ratings given to major life insurance companies by A.M. Best.

List of the Top 25 Life Insurance Companies in the U.S.
Life Insurance CompanyA.M. Best RatingNo Medical Exam Option
AIGANo
ANICOAYes
AssurityA-Yes
Banner LifeA+Yes
Cincinnati LifeANo
FidelityA-Yes
ForestersAYes
Gerber LifeAYes
John HancockA+Yes
Lincoln FinancialA+Yes
MetLife (Brighthouse)A+No
Midland NationalA+No
Minnesota LifeA+Yes
Mutual of OmahaA+Yes
NationwideA+No
North American CompanyA+No
Pacific LifeA+Yes
PrincipalA+Yes
ProtectiveA+No
PrudentialA+No
SagicorA-Yes
SBLIA+Yes
SymetraANo
TransamericaA+Yes
VOYAANo
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Lincoln received a rating of “A+” (Superior), which is the second-highest rating given by A.M. Best.

Since Securian Financial is not on the list of the top 25 companies, does that mean it doesn’t have an A.M. Best rating? No, as it turns out, Securian Financial also possesses an A.M. Best rating of “A+.

The Better Business Bureau is another organization that can provide security in one’s choice of insurance provider.

Lincoln Financial Group received the BBB’s lowest possible rating of “F.” Furthermore, Lincoln Financial Group does not hold BBB accreditation.

How did Securian Financial fare in comparison? Securian received a better (but not terrific) score of “B.” Securian is BBB accredited.

In conclusion, Securian Financial offers more affordable rates to men and women of various ages and holds a higher rating from the Better Business Bureau.

We hope you’ve learned all you needed to decide whether to buy Lincoln vs. Securian Financial life insurance. Type your ZIP code into our free and helpful tool below to find affordable quotes in your area.

Frequently Asked Questions: Lincoln vs. Securian Financial Life Insurance

What follows is a commonly asked questions about Securian Financial and Lincoln Heritage.

#1 – What is the number for Securian Financial Advisors of the Great Lakes?

You can call (517) 220-6000.