Given the recent economic conditions, how safe is my Lincoln Financial life insurance or annuity contract?
Your Lincoln Financial fixed product is supported by assets held in the general account of the insurance company affiliate that serves as your insurer: The Lincoln National Life Insurance Company, First-Penn Pacific Life Insurance Company, or Lincoln Life & Annuity Company of New York. The general accounts of our insurance company affiliates have well-diversified portfolios of investments. The bond portfolios have an overall credit quality rating of ‘A.’ In addition, if necessary, state guaranty funds provide certain protections to policy owners and contract holders; these protections vary from state to state. For more information about the state guaranty fund system and how it works, go to www.nolhga.com.
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