Lincoln Benefit Life Customer Service, Claims and Policy Help

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Lincoln Benefit Life Company services existing life insurance, annuity, GenBuilder, variable-product, and long-term care contracts. The company does not currently issue new policies, so most customers contacting Lincoln Benefit Life are existing policyholders, contract owners, beneficiaries, claimants, financial professionals, or representatives of an estate or trust.

Lincoln Benefit Life uses different service centers and third-party administrators for different types of policies. Use the number on your most recent statement or correspondence whenever it differs from the general contacts below.

Lincoln Benefit Life Customer Service Phone Numbers

The number 1-877-275-5462 belongs to Lincoln Financial Group, which is a separate insurance and financial-services organization. It should not be used as Lincoln Benefit Life’s general customer-service number.

Choose the Correct Lincoln Benefit Life Service Center

Lincoln Benefit Life instructs policyholders to check their most recent statement, policy correspondence, claim letter, or tax form before calling. Different policies are administered by different service centers.

Fixed Life Insurance

Call 1-844-768-6777 for most fixed life insurance policies, including:

  • Policy status and values
  • Premiums and billing
  • Automatic payment questions
  • Beneficiary changes
  • Ownership changes
  • Address and name changes
  • Policy loans
  • Withdrawals and surrenders
  • Lapse and reinstatement questions
  • Life-insurance claims

Variable Life Insurance

Call 1-844-768-6780 for variable life insurance policy service, including policy values, investment allocations, transfers, premiums, forms, statements, and contract questions.

All life-insurance death-claim inquiries should generally begin at 1-844-768-6777, even when the underlying policy is a variable life policy.

Fixed Annuities and GenBuilder

Call 1-800-643-8190 for:

  • Fixed annuity contracts
  • GenBuilder policies
  • Contract values
  • Withdrawals and surrenders
  • Required minimum distribution questions
  • Annuitization
  • Beneficiary information
  • Annuity death claims
  • Tax-form questions
  • Address changes
  • Contract forms

Long-Term Care and LifeCare

Call 1-888-503-8110 for a Lincoln Benefit Life long-term care or LifeCare policy.

Ask the administrator about:

  • Coverage verification
  • Eligibility requirements
  • Claim forms
  • Plan-of-care requirements
  • Care-provider documentation
  • Elimination periods
  • Benefit limits
  • Premium notices
  • Rate increases
  • Appeal or reconsideration procedures

Certain Variable Annuity Contracts

Call 1-800-457-7617 when your variable-annuity statement, prospectus, or correspondence directs you to that number.

Variable annuity service may involve Lincoln Benefit Life, Everlake, Prudential, Zinnia, and other administrators. Ask the representative to identify the issuing insurer, current administrator, contract owner of record, and department handling the request.

Lincoln Benefit Life Does Not Sell New Policies

Lincoln Benefit Life services existing insurance and annuity contracts but does not currently issue new policies.

Customers looking to purchase new life insurance or an annuity should not submit an application or payment to a person merely because that person claims to represent Lincoln Benefit Life. Verify the insurer, producer’s license, product name, and current offering documents before providing personal or financial information.

Some existing annuity contracts may continue to accept additional purchase payments under their contract terms. That is different from opening a new Lincoln Benefit Life policy.

Lincoln Benefit Life Is Not Lincoln Financial Group

Lincoln Benefit Life Company and Lincoln Financial Group are separate organizations.

  • Lincoln Benefit Life: A Nebraska-domiciled insurer in the Kuvare organization
  • Lincoln Financial Group: The marketing name used by Lincoln National Corporation and its affiliated companies

Before calling, confirm the complete legal insurer name printed on the first page of the policy, annual statement, premium notice, or tax form.

Why Another Company May Answer a Lincoln Benefit Life Call

Lincoln Benefit Life uses several administrators, reinsurers, and service providers. Depending on the policy, correspondence or telephone representative may refer to:

  • Alliance-One Services: Administration of portions of Lincoln Benefit Life’s life-insurance business
  • Zinnia, formerly SE2: Administration of portions of annuity and GenBuilder business
  • Everlake Life Insurance Company: Formerly Allstate Life Insurance Company; administers or reinsures certain legacy policies
  • Everlake Distributors: Principal underwriter for certain variable insurance contracts
  • Prudential: Provides administration connected with certain variable-annuity contracts
  • LifeCare Assurance Company: Administration of long-term care business

Hearing one of these company names does not necessarily mean that Lincoln Benefit Life was sold to that administrator or that the policy issuer changed. Request written confirmation of the policy issuer, administrator, reinsurer, and current contact information.

Lincoln Benefit Life Online Account Access

Life-insurance policyholders can register through Lincoln Benefit Life’s policy-owner portal to view available policy information.

Online features may include:

  • Policy values
  • Policy status
  • Transaction history
  • Correspondence
  • Service forms
  • Contact information
  • Payment information

If you cannot register or log in:

  1. Confirm that you are using the portal for the correct policy type.
  2. Enter the policy information exactly as printed on current correspondence.
  3. Use the username or password recovery option.
  4. Check for a verification code sent to the email address or phone number on file.
  5. Call the correct product service center if access cannot be restored.

Do not give your password, verification code, Social Security number, or complete policy number to an unexpected caller or email sender.

Lincoln Benefit Life Mailing Addresses

Lincoln Benefit Life uses different addresses for different policies and transactions. Always follow the address on the current statement, form, payment coupon, or claim letter.

Fixed Life Correspondence

Lincoln Benefit Life Company
Policyholder Services
P.O. Box 4323
Clinton, IA 52733-4323

Variable Life Correspondence

Lincoln Benefit Life Company
Policyholder Services
P.O. Box 4324
Clinton, IA 52733-4324

Life Insurance Claims

Lincoln Benefit Life Company
Claims Policyholder Services
P.O. Box 4326
Clinton, IA 52733-4326

Life Insurance Premium Payments

  • Variable-life premiums: Lincoln Benefit Life Company, P.O. Box 856782, Minneapolis, MN 55485-6782
  • Other eligible life premiums: Lincoln Benefit Life Company, P.O. Box 856764, Minneapolis, MN 55485-6764

Annuity and GenBuilder Correspondence

Lincoln Benefit Life
P.O. Box 758520
Topeka, KS 66675

Annuity and GenBuilder Payments

Lincoln Benefit Life
P.O. Box 758519
Topeka, KS 66675

Some legacy or specialized policies use different addresses. Do not send a payment, claim, certified death certificate, medical record, or original legal document to the corporate office unless Lincoln Benefit Life provides written instructions.

Lincoln Benefit Life Premium Payments

Payment methods and addresses depend on the policy. Options may include:

  • Automatic bank drafts
  • Online payments for eligible policies
  • Checks or money orders
  • Telephone payments when offered
  • Wire transfers after receiving official instructions

Before submitting a payment, confirm:

  • The policy or contract number
  • The amount due
  • The due date
  • The grace-period deadline
  • The correct payee
  • The correct mailing or electronic-payment destination
  • Whether the payment must include a coupon or instructions

Keep a copy of the payment, bank confirmation, canceled check, tracking information, and correspondence.

Missing or Misapplied Premium Payments

If Lincoln Benefit Life cannot locate a payment, provide:

  • Payment date
  • Payment amount
  • Check or transaction number
  • Front and back of the cleared check
  • Bank trace or confirmation
  • Address or electronic method used
  • Policy number entered with the payment

Request written confirmation that the payment investigation is open. Ask whether the policy is in force, in a grace period, lapsed, or pending reinstatement while the payment is researched.

Automatic Payment and Bank-Draft Problems

Do not assume an automatic-payment authorization remains active after a returned payment, bank-account change, servicing transfer, policy change, deferment, or system conversion.

Review each bank statement and policy notice. If a draft does not occur:

  1. Contact the correct service center immediately.
  2. Ask whether the authorization remains active.
  3. Confirm the next scheduled withdrawal.
  4. Ask whether a manual payment is required.
  5. Request written confirmation of the policy status.
  6. Keep the new automatic-payment authorization.

Providing bank information does not guarantee that an automatic draft has been established. Confirm the effective date in writing.

Lincoln Benefit Life Policy Lapse and Reinstatement

A life insurance policy can lapse when required premiums are not paid or when the policy value is insufficient to support charges. Universal and variable policies may depend on policy values, cost-of-insurance charges, guarantees, interest, investment performance, loans, and withdrawals.

If you receive a grace-period or lapse notice, ask for:

  • The current policy status
  • The grace-period expiration date
  • The exact amount required to keep coverage in force
  • The date by which payment must be received
  • Available payment methods
  • Any no-lapse guarantee status
  • Reinstatement requirements if the policy has lapsed
  • Whether new evidence of insurability is required
  • Written confirmation after payment or reinstatement

Submitting a payment or reinstatement application does not by itself guarantee that coverage has been restored. Do not assume the insured is covered until Lincoln Benefit Life confirms the effective status in writing.

How to File a Lincoln Benefit Life Insurance Claim

Call 1-844-768-6777 to report the death of an insured person and request the current claim packet.

Depending on the policy and claimant, Lincoln Benefit Life may request:

  • A completed claimant statement
  • A certified death certificate
  • Beneficiary identification
  • Trust or estate documents
  • Letters testamentary or administration
  • Assignment or funeral-home documentation
  • Tax-certification forms
  • Additional information concerning the policy or death

Ask for the claim number, document checklist, mailing address, expected review process, and contact method for status updates.

Life Insurance Claim Delays

If a claim remains pending:

  1. Confirm that every required document was received.
  2. Ask whether any document is incomplete or unacceptable.
  3. Request the claim’s current status.
  4. Ask whether the claim is subject to a contestability, beneficiary, estate, fraud, or legal review.
  5. Request a written explanation of the remaining requirements.
  6. Record all calls and reference numbers.
  7. Escalate an unresolved delay through the applicable state insurance department.

Lincoln Benefit Life may be unable to discuss policy or claim details with a person who is not the policy owner, beneficiary, trustee, estate representative, assignee, or properly authorized representative.

Finding a Possible Lincoln Benefit Life Policy

A family member who believes a deceased person owned a Lincoln Benefit Life policy but cannot locate the records can:

  • Call Lincoln Benefit Life with the deceased person’s identifying information.
  • Review bank statements and tax documents for premium or insurer records.
  • Contact the deceased person’s insurance agent or financial professional.
  • Search personal records and safe-deposit boxes.
  • Use the official NAIC Life Insurance Policy Locator.

Use the NAIC Life Insurance Policy Locator

Beneficiary, Ownership, Address, and Name Changes

Contact the correct service center and request the current form for the desired change.

Possible changes include:

  • Primary or contingent beneficiary
  • Policy owner
  • Trustee
  • Mailing address
  • Legal name
  • Payment account
  • Assignment
  • Authorized representative

A change may require signatures from the current owner, assignee, trustee, irrevocable beneficiary, spouse, or another party. Do not assume a change is effective merely because a form was mailed or uploaded.

Request written confirmation showing the effective date and updated designation. Keep the confirmation with the policy records.

Lincoln Benefit Life Policy Loans

Some permanent life insurance policies permit loans against available policy value.

Before requesting a loan, ask for:

  • Maximum available loan amount
  • Current loan interest rate
  • Whether interest is fixed or variable
  • How interest is charged or capitalized
  • Effect on policy value and death benefit
  • Risk of policy lapse
  • Repayment options
  • Possible tax consequences

A policy loan is secured by the policy and can reduce the amount payable to beneficiaries. A large unpaid loan can also contribute to a lapse or taxable event.

Withdrawals, Surrenders, and Policy Cancellation

Request a current written surrender or withdrawal illustration before authorizing a transaction.

The illustration should identify:

  • Current account or cash value
  • Surrender value
  • Outstanding loans and interest
  • Surrender charges
  • Market-value adjustments
  • Tax withholding
  • Effect on guarantees
  • Effect on the death benefit
  • Whether coverage ends entirely

A full surrender generally terminates the policy or contract and may not be reversible. A partial withdrawal can also reduce benefits or increase the risk of lapse.

Consult a qualified tax or financial professional when a transaction may create taxable income, surrender charges, loss of guarantees, or an early-distribution penalty.

Lincoln Benefit Life Annuity Withdrawals and Surrenders

Annuity withdrawals depend on the contract and may be affected by:

  • Surrender charges
  • Market-value adjustments
  • Income-tax withholding
  • Possible tax penalties
  • Guaranteed benefit riders
  • Annuitization status
  • Required minimum distributions
  • Investment performance

Call the annuity number shown on the contract before submitting a request. Ask for a dated calculation of the amount expected after all deductions and adjustments.

Variable annuities and their investment options are not FDIC insured, are not bank deposits, and may lose value.

Lincoln Benefit Life Long-Term Care Claims

Call 1-888-503-8110 before submitting a LifeCare or long-term care claim.

Ask the administrator to provide:

  • The current claim form
  • The policy’s covered services
  • Benefit triggers
  • Elimination-period requirements
  • Licensed-care-provider requirements
  • Plan-of-care documentation
  • Invoice and proof-of-service requirements
  • Claim-review and appeal procedures

Do not send medical records through the general website contact form. Use the secure upload, fax, or mailing method provided by the long-term care administrator.

Lincoln Benefit Life Financial Strength Ratings

As of the most recent rating actions reviewed for this update:

  • AM Best: B++ Financial Strength Rating, described as Good, with a stable outlook
  • KBRA: BBB+ Insurance Financial Strength Rating with a negative outlook

Insurance-company ratings are independent opinions concerning financial strength and claims-paying ability. They are not guarantees, investment recommendations, government insurance, or predictions of how an individual claim or policy dispute will be resolved.

Ratings can change. Verify the latest rating directly with the rating agency before relying on it.

How to File a Lincoln Benefit Life Complaint

  1. Call the service center responsible for the policy.
  2. Explain the issue and requested resolution.
  3. Ask for a case or reference number.
  4. Request supervisory or complaint-department review.
  5. Submit the complaint in writing.
  6. Include copies of supporting records with unnecessary private information removed.
  7. Request a written final response.
  8. Contact the applicable state insurance department if the matter remains unresolved.

Useful records may include:

  • Policy or contract pages
  • Premium notices
  • Payment confirmations
  • Cleared checks
  • Grace-period or lapse notices
  • Claim correspondence
  • Beneficiary or ownership forms
  • Surrender or loan calculations
  • Call dates and representative names
  • Prior complaint numbers

State Insurance Department Complaints

Insurance is primarily regulated by the state in which the policyholder lives or the policy was issued. Use the National Association of Insurance Commissioners directory to locate the appropriate state insurance department.

Find a State Insurance Department

Lincoln Benefit Life is domiciled in Nebraska. Nebraska’s Insurance Complaint Division can be reached at:

A regulator can review whether the insurer followed applicable insurance laws and policy procedures, but it may not decide every disputed factual issue, award damages, provide legal representation, or override a court.

Lincoln Benefit Life Scam and Privacy Warnings

Be cautious when someone claiming to represent Lincoln Benefit Life:

  • Requests a password or verification code
  • Demands payment through gift cards or cryptocurrency
  • Requests remote access to a computer or phone
  • Threatens immediate policy cancellation without written notice
  • Provides payment instructions that differ from current policy correspondence
  • Promises a guaranteed surrender, loan, or claim amount without reviewing the policy
  • Offers a new Lincoln Benefit Life policy even though the company does not currently issue new policies

End the contact and call the verified product-specific number. Independently confirm any changed bank account, mailing address, wire instruction, or servicing company.

Lincoln Benefit Life Corporate Office, Ownership, and Leadership

  • Legal Company: Lincoln Benefit Life Company
  • NAIC Company Code: 65595
  • Parent Organization: Kuvare US Holdings, Inc.
  • President: Carlos Sierra
  • Kuvare Chief Executive Officer: Dhiren Jhaveri
  • Principal Executive Office: 701 O Street, Suite 500, Lincoln, NE 68508
  • Corporate Phone: 1-888-674-3667

The corporate office is not a walk-in claim center, premium-payment counter, policy-loan department, surrender office, or long-term care claims facility. Use the product-specific service center and mailing address.

Related Life Insurance Customer Service Pages

These are separate insurance companies. Use the legal insurer name printed on the policy rather than assuming that similarly named companies or servicing organizations share customer-service systems.

Lincoln Benefit Life Customer Service FAQs

What is Lincoln Benefit Life’s customer-service phone number?

There is no single number for every policy. Call 1-844-768-6777 for most fixed life policies and life claims, 1-844-768-6780 for variable life, or 1-800-643-8190 for fixed annuities and GenBuilder.

Is 1-877-275-5462 a Lincoln Benefit Life number?

No. That number belongs to Lincoln Financial Group, which is separate from Lincoln Benefit Life Company.

What are Lincoln Benefit Life customer-service hours?

Fixed and variable life service centers are currently available Monday through Friday from 8:00 a.m. to 5:00 p.m. Central Time. The annuity and GenBuilder service center is available Monday through Friday from 7:30 a.m. to 5:00 p.m. Central Time.

Does Lincoln Benefit Life sell new policies?

No. Lincoln Benefit Life currently services existing contracts but does not issue new policies.

Who owns Lincoln Benefit Life?

Lincoln Benefit Life is part of Kuvare and is ultimately owned through Kuvare US Holdings, Inc.

Who is the President of Lincoln Benefit Life?

Carlos Sierra is President of Lincoln Benefit Life and Chief Operating Officer of Kuvare.

Where is Lincoln Benefit Life headquartered?

Current regulatory filings identify its principal executive office as 701 O Street, Suite 500, Lincoln, Nebraska 68508.

How do I file a Lincoln Benefit Life claim?

Call 1-844-768-6777 for a life-insurance claim and request the current claim packet and document checklist.

Why did Everlake answer my Lincoln Benefit Life call?

Everlake administers, reinsures, or underwrites portions of certain legacy Lincoln Benefit Life business. Lincoln Benefit Life may remain the issuer even when another company performs administration.

How do I stop a Lincoln Benefit Life policy from lapsing?

Contact the correct service center immediately and request the current policy status, grace-period deadline, required payment, and written instructions. Do not assume coverage remains active without confirmation.

How do I reinstate a lapsed policy?

Request the current reinstatement requirements. Depending on the policy, Lincoln Benefit Life may require payment, forms, updated information, or evidence of insurability. Reinstatement is not guaranteed until approved.

How do I change a beneficiary?

Request the current beneficiary-change form from the correct service center. Submit all required signatures and obtain written confirmation that the change was accepted.

How do I request a policy loan or surrender?

Contact the policy service center and request a current written calculation showing available values, charges, loan interest, tax withholding, and effects on coverage.

How do I complain about Lincoln Benefit Life?

Submit the issue to Lincoln Benefit Life and request a written response. If it remains unresolved, contact the insurance department in the state where you live or where the policy was issued.

Lincoln Benefit Life Customer Service Reviews and Complaints

The review section below allows policyholders, beneficiaries, claimants, trustees, and representatives to share firsthand experiences involving Lincoln Benefit Life premiums, automatic drafts, policy lapses, reinstatement, claims, beneficiary changes, loans, surrenders, annuities, long-term care, online access, or complaint handling.

No Lincoln Benefit Life reviews have currently been submitted on this page. The displayed 0/5 means that no ratings have been submitted; it is not a zero-star customer verdict.

Clearly identify whether the experience involved Lincoln Benefit Life, Kuvare, Alliance-One, Zinnia, Everlake, Prudential, LifeCare Assurance, a financial professional, bank, payment processor, reinsurer, or insurance regulator.

Share Your Lincoln Benefit Life Experience

Describe the policy type, approximate date, service center contacted, problem encountered, processing time, response received, and final outcome.

Do not post a complete policy or contract number, Social Security number, date of birth, bank or card information, password, verification code, beneficiary information, medical records, death certificate, claim number, tax form, trust document, surrender statement, signature, home address, or private telephone number.

Page Update Note

This Lincoln Benefit Life customer-service page was updated on July 28, 2026, to remove a Lincoln Financial Group phone number, add product-specific policy and claims contacts, verify current hours, update the principal executive-office address and leadership, explain Kuvare ownership, identify third-party administrators, clarify that the company no longer issues new policies, add payment, claim, lapse, reinstatement, loan, surrender, annuity, long-term care, rating, privacy, and regulator guidance, remove unsupported review themes, and accurately describe the live CustomerServiceNumbers.com rating and review count.

Customer Service Numbers Disclaimer

CustomerServiceNumbers.com is not affiliated with Lincoln Benefit Life Company, Kuvare, Lincoln Financial Group, Alliance-One Services, Zinnia, Everlake, Prudential, LifeCare Assurance Company, a financial professional, insurance regulator, payment processor, reinsurer, bank, or government agency.

This page is provided for informational and customer-review purposes. Phone numbers, hours, addresses, administrators, executives, financial-strength ratings, claim requirements, policy values, premiums, payment instructions, tax rules, and complaint procedures can change. Verify important information through current Lincoln Benefit Life correspondence, policy documents, official service centers, and applicable regulators.

CustomerServiceNumbers.com cannot access a policy, accept a premium, prevent a lapse, reinstate coverage, change a beneficiary, approve a claim, issue a loan, process a surrender, determine tax consequences, provide legal or financial advice, or decide a regulatory complaint. Contact the responsible insurer, administrator, financial professional, tax adviser, attorney, insurance department, or emergency service directly.

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