Lincoln Benefit Life — Customer Service Guide (expert overview)

Executive summary and company context

Lincoln Benefit Life Company (often abbreviated LBL) operates as part of the Lincoln Financial Group family of companies. Lincoln Financial Group traces its corporate roots back to the early 20th century (the parent organization dates to 1905), and maintains its principal headquarters at 150 N. Radnor Chester Road, Radnor, PA 19087. For authoritative corporate information and product-specific contact channels, the company’s primary websites are https://www.lfg.com and https://www.lincolnfinancial.com.

This guide focuses on practical, actionable detail for policyholders and beneficiaries interacting with Lincoln Benefit Life customer service: how to reach them, what documents to prepare, realistic timelines for common transactions (policy changes, billing, claims) and escalation routes if initial contacts fail to resolve an issue.

How to contact Lincoln Benefit Life customer service

Customer service channels for LBL vary by product (individual life, group life, annuities) and by distribution channel (agent vs. direct). The most reliable first step is to use the phone number shown on your policy statement or the “Contact” page on the company site. If you do not have a statement, visit https://www.lfg.com and click Contact or Client Login to access product-specific phone numbers and secure messaging.

Typical contact methods available to policyholders are: telephone (product-specific toll-free numbers), secure message via the online policyholder portal, written correspondence to the Radnor headquarters (above), and document upload through the insurer’s secure website for claims or underwriting paperwork. Business hours for live support are commonly Monday–Friday; confirm exact hours on the contact page for your product.

Claims process — death benefits and accelerated benefits

Filing a life insurance claim with Lincoln Benefit Life is a document-driven process. Expect to submit (1) a certified death certificate, (2) the policy number, (3) a completed claimant statement or claim form supplied by LBL, and (4) government-issued ID for the claimant. Where applicable, the insurer will request beneficiary documentation and any assignment or irrevocable beneficiary forms on file. Early completeness checks are typically completed within 3–5 business days of receipt.

Industry-standard timelines apply: initial acknowledgement within about 5–7 business days, and a decision or payout within 30–60 calendar days when documentation is complete. If the claim involves contestability (suicide, material misrepresentation within first two years) or requires medical records, the adjudication period can extend beyond 60 days. If you need faster confirmation for immediate expense coverage, request an expedited review and provide a death certificate and policy number first.

Policy servicing, billing and changes

Common policy servicing tasks include premium payments, beneficiary updates, ownership changes, conversions from term to permanent coverage, and policy loans or surrenders for permanent products. Premium payment methods typically include automatic bank draft (ACH), credit card (where allowed), electronic bill pay, and mailed checks. The frequency options generally available are monthly, quarterly, semiannual, and annual; check your policy for precise premium amounts and scheduled due dates.

When requesting a change (beneficiary, address, or ownership), Lincoln Benefit Life will generally require a signed request form and proof of identity; minor changes can be completed in 7–14 business days once paperwork is received. Loans and surrenders on permanent policies require an illustration of current cash value and any surrender charges; expect a processing window of 10–21 business days for these financial transactions.

Documents checklist (practical, downloadable list)

• Policy number and copy of the declarations page (critical—always include).
• Certified death certificate (for death claims) or signed policyowner authorization (for policy changes).
• Completed claim form or policy change form supplied by LBL (obtain via portal or agent).
• Claimant’s government ID and proof of relationship (when beneficiary is not the spouse).
• Banking information (voided check) for electronic benefit deposit.
• Medical records/attending physician statement only if requested—do not pre-send unless instructed.

Escalation, complaints and regulatory remedies

If a customer service interaction does not resolve your issue within reasonable time, escalate internally first: ask for a supervisor or the Customer Care/Claims Manager, obtain a reference number, and request expected completion dates in writing (email or secure message). Keep a chronological log with dates, names, and the summary of each interaction—this materially speeds up higher-level reviews.

If internal escalation is exhausted, file a formal written complaint with Lincoln Financial Group’s corporate office at the Radnor address above or via the website contact form. As a further step, you may contact your state insurance department; the NAIC consumer website (https://content.naic.org/consumer.htm) provides links to every state regulator. Retain copies of all communications; regulators often require documentation when investigating delays or disputed claim denials.

Practical tips from an insurance professional

1) Always keep the original policy and a scanned copy in a secure place. The policy number is the single most useful piece of data when interacting with customer service. 2) When submitting claims or changes, use the insurer’s secure upload or certified mail so you have proof of receipt. 3) If you work with an agent or financial professional, involve them early—they can often expedite underwriting or claims intake and act as an effective liaison.

For the most accurate, product-specific phone numbers, forms and portals, start at https://www.lfg.com or your contract’s contact block. If you are uncertain who to call, your agent of record can direct you to the exact toll-free number and claim form for Lincoln Benefit Life products.

Who bought out Lincoln Benefit Life?

Kuvare
Kuvare Completes Acquisition of Lincoln Benefit Life Company – Altamont Capital Partners.

How do I contact Lincoln Benefit Life?

Lincoln Benefit Life Company

1. Name: Lincoln Benefit Life Company.
2. Parent Company: Allstate Life Insurance Company.
3. Year Founded: 1938.
4. Home Office: Lincoln, NE.
5. General Phone Number: (800) 525-9287.

What is the phone number for Lincoln Financial Benefits?

You can initiate an Individual Disability Income or a Life Premium Waiver Benefit claim by calling us at 877-546-3656. For additional Customer Support, call us at 800-487-1485, option 2.

Is Lincoln Benefit Life still in business?

On December 31, 2019, Lincoln Benefit Life joined the Kuvare family of companies. Kuvare is a retirement, life insurance, annuity and reinsurance business focused on delivering value-oriented solutions to the middle market.

What is the Lincoln benefit life lawsuit?

The insurer first secured a verdict in August 2018, when a Southern California federal jury awarded nearly a million dollars in fraud and punitive damages against married policyholders who engaged in a 12- year scheme to defraud Lincoln Benefit client out of LTC benefits.

What happens to unclaimed life insurance benefits?

In general, life insurance companies that know an insured has passed, but cannot locate the beneficiaries of the policy, are required to turn over the benefits of the policy to the state’s unclaimed property office if the benefits are not claimed after a certain number of years.