Lincoln Financial (The Lincoln National Life Insurance Company) vs Accordia Life
Comprehensive side-by-side comparison of indexed universal life insurance companies
Lincoln Financial (The Lincoln National Life Insurance Company)
Founded: 1905
Radnor, Pennsylvania
Assets
$321 billion in end-of-period account balances
IUL Experience
20+ years
Products
6
Avg Cap Rate
10.00%
Key Strengths
NEW Elite Indexed Universal Life Portfolio (2025)
New Multiplier Riders for enhanced performance
Dual IUL designs for different optimization approaches
120-year-old company
Serves 17 million customers
Accordia Life
Founded: 1962
Des Moines, Iowa
Assets
$8 billion
IUL Experience
8+ years
Products
3
Avg Cap Rate
9%
Key Strengths
Offers 3+ IUL products
Lifetime Builder IUL, Provider IUL, Survivorship Builder IUL, Global Accumulator
Global Atlantic (KKR-owned) parent
Detailed Feature Comparison
| Feature | Lincoln Financial (The Lincoln National Life Insurance Company) | Accordia Life |
|---|---|---|
| Founded | 1905 | 1962 |
| Headquarters | Radnor, Pennsylvania | Des Moines, Iowa |
| Assets Under Management | $321 billion in end-of-period account balances | $8 billion |
| Years in IUL Business | 20+ years | 8+ years |
| Number of IUL Products | 6 | 3 |
| Typical Cap Rate Range | 9.50% - 10.50% | 8% - 10% |
| Participation Rates | 105% | 110% |
| Minimum Premium | $5,000 annual | $5,000 annual |
| Issue Ages | 0-85 years | 0-85 years |
| Underwriting Speed | 2-4 weeks standard | 2-4 weeks |