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Lincoln Benefit Life

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Affordable insurance protection since 1938. Lincoln Benefit Life Is Part Of Allstate.



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Lincoln Benefit Life Company (Lincoln Benefit Life) insurance brokerage and its parent company, Allstate Life Insurance Company (Allstate Life) are subsidiaries of the Allstate Corporation, a Fortune 100 company. 

As of June 30, 2009, the company had $347.8 billion of life insurance in force and is represented by more than 85,000 licensed independent insurance brokers across the nation. Lincoln Benefit Life was acquired by Allstate Life in 1984, enhancing the firm’s position as a reliable provider in the life insurance industry.

  • Lincoln Benefit Life Insurance Brokerage Products And Services

      Lincoln Benefit Life offers a wide range of products and services designed to fit your client.

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    An annuity is a contract issued by an insurance company and generally composed of two stages: the accumulation period, during which the contract builds a cash value and money is added, and the payout period, when the funds are distributed. Annuities offer tax deferral during the accumulation phase, flexible payment options, and guaranteed death benefits.

    Fixed Annuities
    Fixed annuities offer a guarantee of principal and interest. Contributions earn a stated interest rate for a specified period of time while earnings grow tax deferred. Fixed annuities are for conservative investors.

    Variable Annuities
    Variable annuities offer single or flexible premiums, a broad range of subaccounts, tax deferral on earnings, and a death benefit. Values change according to the performance of the selected subaccounts. Generally, variable annuities have higher expenses than a fixed annuity. Variable annuities are long term investments designed for retirement purposes and are best suited for investors willing to tolerate risk.

    Market Value Adjusted Annuities (MVAs)
    MVAs offer fixed interest rates combined with an interest rate adjustment factor that can cause the actual crediting rates to increase or decrease in response to current market conditions at the time of withdrawal. MVAs are appropriate for individuals who are willing to tolerate minimal risk for a higher initial credited interest rate.

    Equity Indexed Annuities
    Equity indexed annuities present interest based on the upward movement of an equity index, but still maintain the minimum guaranteed interest rate feature of a traditional fixed annuity. Equity indexed annuities are for individuals who are moderate risk takers — they want the guarantees of a fixed annuity while their earnings benefit on possible market upswings.

    Immediate Annuities
    Immediate annuities have no accumulation phase. It is purchased with a lump sum payment and income payments are started right away. Immediate annuities are suitable for individuals who recently received a lump sum of money and are in need of a steady stream of income.

    Life Insurance
    Although there are many uses for life insurance, its traditional function remains the same. Life insurance protects individuals during the loss of a loved one and helps provide a sense of security for their future. That is why having a thorough understanding of life insurance is important in providing your customer and their families with optimum protection and peace of mind. 




    Term Life Insurance
    Provides coverage for a specified period of time, usually 10, 15, 20, 25, or 30 years. Once the period for the policy runs out, the life insurance coverage expires. Some policies can be automatically renewed at the end of the coverage period, and some can be converted to permanent insurance without the need for a medical exam.

    Universal Life
    Offers flexible premium options and a death benefit. Allows changes to the death benefit, the amount of premium, and payment frequency. Most policies pay a minimum guaranteed interest rate



    Variable Life
    Contains death benefits and cash values that vary with the performance of underlying subaccounts. The death benefit and cash value are not guaranteed and can fluctuate according to the current market. Most policies offer a guaranteed minimum death benefit for protection against poor markets.

    Variable Universal Life
    Combines the flexible premium and death benefit options of universal life with the investment flexibility and risk of variable life. Most policies offer a guaranteed minimum death benefit.

    Whole Life Insurance
    Provides a fixed guaranteed rate and builds guaranteed cash values. There are two variations of traditional whole life:

  • Joint Whole Life (Also known as first-to-die): Insures two lives and pays the death benefit to the surviving insured person when the first one dies.
  • Survivorship Life Insurance (Also known as second-to-die): Insures two people and pays a death benefit only when the second person has died. It is designed for married couples who want to provide funds to pay estate taxes that may be due after their deaths.
    Lincoln Benefit Life
    Address1 2940 South 84th Street
    Address2 -
    City Lincoln
    State NE
    Zip 68506
    Phone Number 1-800-525-2799
    Fax Number -

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    A Tale Of Two Agents

    Captive Agent

    An agent working exclusively for a single firm. He or she is obliged to submit business only to that firm, or at least give that firm first rights of refusal on the case.

    Captive agents that are non-established are usually paid on a combination of salary and commissions earned from selling the policy contract. Also, the firm usually provides its captive agents with an allowance for office expenses as well as employee benefits such as pensions, life insurance, and health insurance. 

    The established captive agent is usually paid exclusively on a commission basis.  This type of agent will tend to have more in-depth knowledge of that firm's policies, however, he or she will hardly ever be equipped to offer the industries' best price on any particular product offering.

    Independent Agent Broker

    Simply said, independent agents are appointed to sell policies from many insurers. The agent is independent from all insurers thus, the independent brokerage agent's responsibility is solely focused on evaluating the client's needs and the pricing of the product chosen.

    While searching for the brokerage market's best place for a client's business, independent agents pay all their own expenses and keep their own records and earn their income from brokerage commissions on the policies they sell.


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