Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Benjamin Carr was a licensed insurance agent in Georgia and has two years' experience in life, health, property and casualty coverage. He has worked with State Farm and other risk management firms. He is also a strategic writer and editor with a background in branding, marketing, and quality assurance. He has been in military newsrooms — literally on the frontline of journalism.

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Reviewed by Benji Carr
Former Licensed Life Insurance Agent

UPDATED: Sep 7, 2021

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Advertiser Disclosure: We strive to help you make confident life insurance decisions. Comparison shopping should be easy. We are not affiliated with any one life insurance provider and cannot guarantee quotes from any single provider.

Our life insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from top 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.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about life insurance. Our goal is to be an objective, third-party resource for everything life insurance-related. We update our site regularly, and all content is reviewed by life insurance experts.

The Facts of Life

  • Lincoln Life customers can initiate policy cancellation by phone
  • You can withdraw accumulated cash from a Lincoln Life insurance policy upon cancellation
  • The balance of a lapsed policy could be deducted from your surrender cash value

Are you trying to get out of your Lincoln Life insurance policy? Getting out of your Lincoln Life insurance policy only requires a few phone calls and emails.

But some situations require more attention before you cancel your policy at the Lincoln Life Insurance Company.

Read through this short guide to learn what you should know about how to cancel Lincoln Life insurance, how to keep your accumulated cash, and where to find the best life insurance companies.

After you learn how to get out of your Lincoln Life insurance policy, enter your ZIP code in the free online quote tool above to compare multiple insurance companies near you.

How do I get out of a Lincoln Life insurance policy?

The best way to cancel your Lincoln Life insurance policy is to call customer service and tell them that you want to cancel.

The Lincoln Life website doesn’t have a step-by-step process on how you can cancel your life insurance policy. But speaking to a Lincoln Life representative can lead you to the right place.

Here’s a quick look at Lincoln Life’s contact information:

  • Lincoln Life Insurance Phone Number – 1-877-275-5462
  • Lincoln Life Insurance Email – [email protected]
  • Lincoln Life Insurance Address – 150 North Radnor-Chester Road, Radnor, PA 19087

Before you cancel, take one more look at your life insurance policy. Term life insurance and permanent life insurance work differently.

Continue reading to learn what you should do before you cancel your Lincoln Life insurance policy.

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Term Life Insurance: How should I cancel my Lincoln Life insurance policy?

If you have a term life insurance policy, you can ask Lincoln Life to end your policy right away or on a specific date.

But you should check to see if you have a return-of-premium rider. Life insurance riders allow you to customize your term life insurance.

With the return-of-premium rider, you can get a refund from Lincoln Life based on the number of premiums you’ve paid during the life insurance policy’s term.

Canceling your term life insurance with a return-of-premium rider will disqualify you for a refund. In other words, you won’t receive a check from Lincoln Life for canceling before the term expires.

Permanent Life Insurance: Can I cancel my Lincoln Life insurance policy and keep my accumulated cash?

Yes, you can cancel your policy, but you won’t get all of your accumulated cash.

You can receive a surrender cash value when you cancel a permanent life insurance policy, such as whole life insurance.

The surrender cash value is your accumulated cash value minus fees and other charges from Lincoln Life.

Before you cancel, use your Lincoln Life insurance login to see your accumulated cash value as well as other perks to your permanent life insurance policy.

If canceling your Lincoln Life insurance policy is best for you, talk to the Lincoln Life representative about withdrawing your surrender cash value.

How do I cancel a lapsed Lincoln Life insurance policy?

When your Lincoln Life insurance policy lapses, it will be terminated. If you had a permanent life insurance policy, Lincoln Life would give you the surrender cash value.

You can reinstate your lapsed policy by paying the past due balance on your Lincoln Life insurance policy. You can even use some of your accumulated cash.

Can I use my accumulated cash to pay my Lincoln Life insurance policy?

The answer is yes. You can request a policy loan and pay your Lincoln Life insurance rates. If you want more affordable Lincoln Life insurance rates, ask if you can remove riders to lower your monthly cost.

What do I do if I can’t find my Lincoln Life insurance policy?

The Lincoln Life Insurance Company provides a policy certificate if you lost your life insurance policy.

Losing your policy doesn’t mean Lincoln Life canceled your coverage. Lincoln Life may require personal information about the policyholder before moving to the next step.

How do I file a Lincoln Life insurance claim?

You can contact Lincoln Life by phone and let them know you want to file a claim, or you can file a claim online. Here’s a step-by-step guide on how you can file a Lincoln i-Claim.

  1. Go to the Lincoln Life Insurance Company website
  2. Scroll to the bottom until you see Contacts, Forms, & Claims
  3. Click on [Site FAQs]
  4. Under Frequently Asked Questions, click on [Life Insurance]
  5. You can start a Lincoln i-Claim online by clicking the [Get Started] button
  6. Enter the policyholder’s personal information in the dialog boxes and submit.

According to Lincoln Life, it could take five business days to receive an email from the Lincoln Life claims department.

As the COVID-19 pandemic continues, expect to wait longer. WWMT-3 News reported that COVID-19 survivors are facing delays and denials in coverage. This is also true for life insurance policyholders.

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The Bottom Line: How to Cancel Your Lincoln Life Policy

If you just received Lincoln Life insurance quotes, you don’t have to worry about canceling your policy. Getting quotes doesn’t mean you signed up for life insurance.

Policyholders who’ve held their policies for a few months to several years can cancel. But if you want to stay insured with a life insurance company, we recommend that you shop around.

Now that you know how to get out of your Lincoln Life insurance policy, use our free online quote tool to compare multiple companies in your area.