1. Charles Schwab

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Greensboro, NC

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Charles Schwab

5.0 (1 review)
Open 8:30 am - 5:00 pm

By appointment only

Services - Charles Schwab

Investment management

Personal banking

Retirement planning

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Lincoln Financial Group - Logo from a mailed letter

Lincoln Financial Group

(12 reviews)

Downtown

You will spend hours, and hours, and hours, and hours on the phone, resubmitting the same forms,…read morethen back on the phone again over days and hours because your paperwork wasn't processed. Starting to wonder if I'll see my money this year. Free loan for them.

In May 2022, I worked with an insurance agent at a different company to apply for term life…read moreinsurance through Lincoln Financial Group. The agent told Lincoln to send me an email for an e-interview form, and Lincoln emailed me many hours later right before midnight. The form asked for my income, assets, contact information for primary and contingent beneficiaries, contact information for my physicians, results of my medical tests and procedures, medications, etcetera. For one month, Lincoln did the underwriting for my policy. I needed no physical examination because my medical records showed that I have excellent health. In June, Lincoln Financial Group issued my policy, and I paid my annual fee in full. I thought that the annual fee of $503 was reasonable for a 30-year term $500,000 life insurance policy for a 40 year-old woman who is classified as "Preferred Plus." In July, Lincoln sent me an email about registering on their website so I can view my account online. Unfortunately, after I typed my date of birth, Social Security Number, and telephone number, the website gave me the following error message: "We were unable to locate your account based on the information you provided." As a result, I contacted Lincoln's customer service representatives through the phone number from the website as well as the phone number from a letter that I received in the mail. The customer service representative told me that because my policy is new (a month old), my information is not yet in their computer system. Not until August was I able to log into my account on Lincoln's website. Also in July, I tried to add a second contingent beneficiary. My agent emailed my PDF form to Lincoln twice. Two months later, Lincoln mailed me a letter that my form was missing a signature. I resubmitted the form, and one month later, in October, Lincoln informed me that they had finally added my second beneficiary. Overall, I felt pleased with the underwriting process and the type of policy, but I thought that I should not have had to wait two months to access my online account and three months to add another contingent beneficiary. Whenever I eventually die, I hope that my beneficiaries do not have to wait months for Lincoln to communicate with them...

Charles Schwab - investing - Updated July 2026

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