Lincoln Financial (The Lincoln National Life Insurance Company) vs Foresters Financial
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
Foresters Financial
Founded: 1874
Buffalo, NY (U.S.); Ontario, Canada
Assets
$2.6+ billion AUM; RBC Ratio: 451%
IUL Experience
10+ years
Products
2
Avg Cap Rate
8.5%
Key Strengths
150+ year history
Fraternal benefit society - member benefits include scholarships, grants, wellness programs
$31.2 million in social good impact (2023)
Diabetes coverage (non-med up to Table 12)
Backed by Sumitomo Life - $330B+ combined assets
Detailed Feature Comparison
| Feature | Lincoln Financial (The Lincoln National Life Insurance Company) | Foresters Financial |
|---|---|---|
| Founded | 1905 | 1874 |
| Headquarters | Radnor, Pennsylvania | Buffalo, NY (U.S.); Ontario, Canada |
| Assets Under Management | $321 billion in end-of-period account balances | $2.6+ billion AUM; RBC Ratio: 451% |
| Years in IUL Business | 20+ years | 10+ years |
| Number of IUL Products | 6 | 2 |
| Typical Cap Rate Range | 9.50% - 10.50% | 7% - 10% |
| Participation Rates | 105% | 110% |
| Minimum Premium | $5,000 annual | $3,600 annual |
| Issue Ages | 0-85 years | 0-85 years |
| Underwriting Speed | 2-4 weeks standard | 3-4 weeks standard |