Lincoln Financial (The Lincoln National Life Insurance Company) vs Gerber Life Insurance
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
Gerber Life Insurance
Founded: 1967
White Plains, New York
Assets
$52 billion+ in force (Western & Southern)
IUL Experience
0+ years
Products
0
Avg Cap Rate
N/A
Key Strengths
Does NOT offer IUL
Specializes in children's/family insurance
Detailed Feature Comparison
| Feature | Lincoln Financial (The Lincoln National Life Insurance Company) | Gerber Life Insurance |
|---|---|---|
| Founded | 1905 | 1967 |
| Headquarters | Radnor, Pennsylvania | White Plains, New York |
| Assets Under Management | $321 billion in end-of-period account balances | $52 billion+ in force (Western & Southern) |
| Years in IUL Business | 20+ years | 0+ years |
| Number of IUL Products | 6 | 0 |
| Typical Cap Rate Range | 9.50% - 10.50% | N/A - N/A |
| Participation Rates | 105% | N/A |
| Minimum Premium | $5,000 annual | N/A |
| Issue Ages | 0-85 years | N/A |
| Underwriting Speed | 2-4 weeks standard | N/A |