Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insur...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Jul 15, 2021

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The Brief

  • Lincoln Heritage life insurance can be canceled at any time
  • Depending on where you live and what type of policy you have, you may be charged fees
  • You can change your policy or coverage to lower your rates

You may need to know how to cancel Lincoln life insurance for a variety of reasons. Perhaps you’ve found a lower rate with another company, or perhaps you no longer require the coverage.

Whatever the reason, we’ll help you through the steps to cancel your Lincoln life insurance quickly and effortlessly. While there are different factors to consider for permanent and term life insurance, the steps are generally the same.

Keep reading to learn how to cancel Lincoln life insurance in five easy steps. Enter your ZIP code now to compare life insurance rates from companies near you for free.

What are the steps to cancel Lincoln life insurance?

No matter the reason you want to cancel Lincoln Heritage life insurance, you may do so at any time.

While there are some differences to consider depending on whether you have term or permanent life insurance, the cancellation process is generally the same.

Here are the steps to take when canceling your Lincoln life insurance:

  • Step 1 – Either call customer service or start the cancellation process through your account online.
  • Step 2 – Provide your personal information and account number.
  • Step 3 – Inform them that you want to cancel your life insurance policy. The agent might be able to offer you an alternative if you’re canceling because your rates are too high.
  • Step 4 – Request written confirmation of your cancellation, as well as the date on which it will take effect. You will probably have to fill out a cancellation form.
  • Step 5 – Follow up on any unresolved issues, such as if you should be receiving a refund. You might also wish to call Lincoln one last time to double-check that your cancellation was successful.

It’s important to note that Lincoln life insurance reviews show that customer service agents can be pushy when you try to cancel. They want to convince you to stay with the company, so they will offer various rates and coverages.

If you are unhappy with Lincoln Heritage, there are many other companies out there that will offer cheap life insurance that meets your needs.

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What should you consider before canceling your Lincoln life insurance?

It’s simple to cancel Lincoln life insurance. You can cancel your Lincoln insurance at any time for any reason.

It’s also straightforward to cancel term life insurance. Term life insurance is exactly what it says. It is for a set period of time, such as 10, 20, or 30 years.

This sort of life insurance is the cheapest and has no cash value.

If you have pre-paid your term life insurance, you may be eligible for a refund if you cancel. However, depending on the restrictions in your state, you may be charged fees to cancel.

Whole life insurance costs more and can be a little trickier to cancel. With whole life, your policy is in effect for as long as you keep it. There is also a cash value with this type of coverage.

You have a couple of options when it comes to canceling your coverage. You have the option to terminate the insurance and get the cash value of the coverage, less any fees.

Surrender fees may be imposed if you terminate your whole life insurance policy, according to the Insurance Information Institute.

You can also simply stop paying your bills. Lincoln will make payments from the cash value of your coverage until it is depleted. Your policy would then lapse.

How to Cancel Lincoln: The Bottom Line

While you have the option to cancel your Lincoln life insurance at any time, you may be charged a penalty. To initiate the cancellation procedure, contact customer service either online or over the phone.

We hope you’ve learned how to cancel Lincoln life insurance company coverage. Enter your ZIP code now to compare life insurance quotes from multiple companies near you today.