{"success":true,"data":{"pressRelease":{"id":"132672","rtpr_id":"nBw7sy83ba","ticker":"LNC","exchange":"NYSE","all_tickers":["LNC"],"title":"Lincoln Financial Research Finds 78% of Families Haven’t Discussed Life Insurance","author":"Business Wire","published_at":"2026-09-01T13:00:01.419Z","article_body":"Lincoln Financial Research Finds 78% of Families Haven’t Discussed Life\nInsurance\n\nNew research reveals adult children and aging parents sidestepping\nconversations about life insurance, making assumptions that could create\ncostly gaps in future preparedness\n\nFor September’s Life Insurance Awareness Month, Lincoln Financial has\nreleased new research\n(https://cts.businesswire.com/ct/CT?id=smartlink&url=https%3A%2F%2Fvisit.lfg.com%2F4gAxgub&esheet=54596833&newsitemid=20260901694491&lan=en-US&anchor=new+research&index=1&md5=0fff9f1fb0f0f3ba8f4e1b4836f0b219)\nthat outlines key conversations adult children and aging parents may not be\nhaving related to coverage and family financial conversations.\n\nAccording to Lincoln Financial’s Consumer Sentiment Tracker, 78% of families\nsurveyed have not had an in-depth conversation about life insurance.\nAdditionally, 60% of adult children believe their parents have life insurance\ncoverage in place, while only 44% of parents say they actually do,\nunderscoring a critical gap between expectation and reality among family\nconversations and future preparedness.\n\nLincoln’s research finds similar communication gaps around retirement\nfunding, healthcare costs and legacy planning, suggesting this disconnect\nisn’t limited to life insurance.\n\n“Families often assume these decisions have already been made, but our\nresearch points to a broader issue that when generations aren’t talking\nabout long-term intentions or financial priorities, those assumptions leave\nfamilies feeling unprepared when important decisions arise,” said Darrel\nTedrow, Executive Vice President, President of Life Insurance and Retail\nShared Services, Lincoln Financial. “Closing the conversation gap starts\nwith having honest conversations. When families understand their options and\npriorities, they can make more informed decisions about the role life\ninsurance plays in their long-term financial security.”\n\nThe call to action: Start before it’s urgent\n\nLincoln encourages adult children and aging parents to begin key retirement\nand long-term financial conversations as early as possible, as that clarity\nand alignment will create greater financial confidence and preparedness for\nthe future. For families to align, Lincoln suggests:\n\n\n * Host a family meeting where key members discuss financial protection, coverage\nneeds and long-term goals; don’t assume everyone is already on the same\npage. Meet once a year or when any major life event may occur.\n\n * Work with a financial professional to understand how life insurance fits\nalongside saving, investing and retirement preparedness.\n\n * Have these conversations early. When families avoid discussing long-term\nfinancial goals, important decisions are often left until a major life event\noccurs, forcing loved ones to navigate complex and emotionally charged choices\nunder pressure.\n\n * Document key decisions. Once family conversations happen, make sure family\nmembers understand expectations, know where important information is kept, and\nare fully aligned on what decisions have been made.\n\n“Life insurance should be part of a family's overall financial strategy. It\nshould be considered alongside saving, investing and preparing for retirement\nas part of a broader approach to long-term financial security,” said Tedrow.\n“With that in mind, the most important part of any strategy is making sure\nthe people it impacts understand it. A simple conversation today can create\ngreater clarity and confidence for a family in the future.”\n\nFor more information on Lincoln, Life Insurance Awareness Month or their life\ninsurance solutions, visit here.\n(https://cts.businesswire.com/ct/CT?id=smartlink&url=https%3A%2F%2Fwww.lincolnfinancial.com%2Fpublic%2Findividuals%2Fproducts%2Flifeinsurance&esheet=54596833&newsitemid=20260901694491&lan=en-US&anchor=visit+here.&index=2&md5=821a4f44f98f11b297a53a39bada1602)\n\nFAQs\n\nWhat is Life Insurance Awareness Month? Life Insurance Awareness Month is\nobserved each September to help raise consumer understanding of life insurance\nand encourage families to evaluate their coverage needs.\n\nWhat does Lincoln Financial mean by “closing the conversation gap”? It’s\nthe disconnect between what families assume has been decided and what has\nactually been discussed and put in place. Lincoln Financial’s Consumer\nSentiment Tracker found 78% of families surveyed haven’t had an in-depth\nconversation about life insurance, and adult children consistently\noverestimate the coverage their parents have.\n\nWhy do families avoid these conversations? Families often assume the topic has\nalready been addressed, or avoid raising it out of discomfort, and the\nresponsibility for starting the conversation can end up sitting with no one in\nparticular.\n\nWhy does Lincoln Financial say life insurance is part of a comprehensive\nfinancial strategy, rather than a standalone product? Because it works best\nalongside saving, investing and preparing for retirement, not as a decision\nmade in isolation. Treating it separately is part of why it gets left out of\nthe conversation.\n\nHow can families start this conversation? Start with goals and long-term\npriorities rather than policy details, don’t wait for a milestone event to\nforce it, and consider working with a financial professional to help align\nexpectations across generations.\n\nAbout Lincoln Financial\n\nLincoln Financial helps people confidently plan for their vision of a\nsuccessful financial future. As of December 31, 2025, approximately 17 million\ncustomers trust our guidance and solutions across four core businesses –\nannuities, life insurance, group protection, and retirement plan services. As\nof June 30, 2026, the company had $366 billion in end-of-period account\nbalances, net of reinsurance. Headquartered in Radnor, PA., Lincoln Financial\nis the marketing name for Lincoln National Corporation (NYSE: LNC) and its\naffiliates. Learn more at LincolnFinancial.com. Products are issued by The\nLincoln National Life Insurance Company, Fort Wayne, IN, and in New York,\nLincoln Life & Annuity Company of New York, Syracuse, NY. The Lincoln\nNational Life Insurance Company does not solicit business in the state of New\nYork, nor is it authorized to do so.\n\nLCN-9085236-081926\n\n\n\nView source version on businesswire.com:\nhttps://www.businesswire.com/news/home/20260901694491/en/\n(https://www.businesswire.com/news/home/20260901694491/en/)\n\nMedia@lfg.com \n(mailto:Media@lfg.com)\n\n\nCopyright Business Wire 2026","article_body_html":"","raw_payload":{"data":{"id":"nBw7sy83ba","title":"Lincoln Financial Research Finds 78% of Families Haven’t Discussed Life Insurance","author":"Business Wire","ticker":"LNC","created":"2026-09-01T13:00:01.419Z","tickers":["LNC"],"exchange":"NYSE","article_body":"Lincoln Financial Research Finds 78% of Families Haven’t Discussed Life\nInsurance\n\nNew research reveals adult children and aging parents sidestepping\nconversations about life insurance, making assumptions that could create\ncostly gaps in future preparedness\n\nFor September’s Life Insurance Awareness Month, Lincoln Financial has\nreleased new research\n(https://cts.businesswire.com/ct/CT?id=smartlink&url=https%3A%2F%2Fvisit.lfg.com%2F4gAxgub&esheet=54596833&newsitemid=20260901694491&lan=en-US&anchor=new+research&index=1&md5=0fff9f1fb0f0f3ba8f4e1b4836f0b219)\nthat outlines key conversations adult children and aging parents may not be\nhaving related to coverage and family financial conversations.\n\nAccording to Lincoln Financial’s Consumer Sentiment Tracker, 78% of families\nsurveyed have not had an in-depth conversation about life insurance.\nAdditionally, 60% of adult children believe their parents have life insurance\ncoverage in place, while only 44% of parents say they actually do,\nunderscoring a critical gap between expectation and reality among family\nconversations and future preparedness.\n\nLincoln’s research finds similar communication gaps around retirement\nfunding, healthcare costs and legacy planning, suggesting this disconnect\nisn’t limited to life insurance.\n\n“Families often assume these decisions have already been made, but our\nresearch points to a broader issue that when generations aren’t talking\nabout long-term intentions or financial priorities, those assumptions leave\nfamilies feeling unprepared when important decisions arise,” said Darrel\nTedrow, Executive Vice President, President of Life Insurance and Retail\nShared Services, Lincoln Financial. “Closing the conversation gap starts\nwith having honest conversations. When families understand their options and\npriorities, they can make more informed decisions about the role life\ninsurance plays in their long-term financial security.”\n\nThe call to action: Start before it’s urgent\n\nLincoln encourages adult children and aging parents to begin key retirement\nand long-term financial conversations as early as possible, as that clarity\nand alignment will create greater financial confidence and preparedness for\nthe future. For families to align, Lincoln suggests:\n\n\n * Host a family meeting where key members discuss financial protection, coverage\nneeds and long-term goals; don’t assume everyone is already on the same\npage. Meet once a year or when any major life event may occur.\n\n * Work with a financial professional to understand how life insurance fits\nalongside saving, investing and retirement preparedness.\n\n * Have these conversations early. When families avoid discussing long-term\nfinancial goals, important decisions are often left until a major life event\noccurs, forcing loved ones to navigate complex and emotionally charged choices\nunder pressure.\n\n * Document key decisions. Once family conversations happen, make sure family\nmembers understand expectations, know where important information is kept, and\nare fully aligned on what decisions have been made.\n\n“Life insurance should be part of a family's overall financial strategy. It\nshould be considered alongside saving, investing and preparing for retirement\nas part of a broader approach to long-term financial security,” said Tedrow.\n“With that in mind, the most important part of any strategy is making sure\nthe people it impacts understand it. A simple conversation today can create\ngreater clarity and confidence for a family in the future.”\n\nFor more information on Lincoln, Life Insurance Awareness Month or their life\ninsurance solutions, visit here.\n(https://cts.businesswire.com/ct/CT?id=smartlink&url=https%3A%2F%2Fwww.lincolnfinancial.com%2Fpublic%2Findividuals%2Fproducts%2Flifeinsurance&esheet=54596833&newsitemid=20260901694491&lan=en-US&anchor=visit+here.&index=2&md5=821a4f44f98f11b297a53a39bada1602)\n\nFAQs\n\nWhat is Life Insurance Awareness Month? Life Insurance Awareness Month is\nobserved each September to help raise consumer understanding of life insurance\nand encourage families to evaluate their coverage needs.\n\nWhat does Lincoln Financial mean by “closing the conversation gap”? It’s\nthe disconnect between what families assume has been decided and what has\nactually been discussed and put in place. Lincoln Financial’s Consumer\nSentiment Tracker found 78% of families surveyed haven’t had an in-depth\nconversation about life insurance, and adult children consistently\noverestimate the coverage their parents have.\n\nWhy do families avoid these conversations? Families often assume the topic has\nalready been addressed, or avoid raising it out of discomfort, and the\nresponsibility for starting the conversation can end up sitting with no one in\nparticular.\n\nWhy does Lincoln Financial say life insurance is part of a comprehensive\nfinancial strategy, rather than a standalone product? Because it works best\nalongside saving, investing and preparing for retirement, not as a decision\nmade in isolation. Treating it separately is part of why it gets left out of\nthe conversation.\n\nHow can families start this conversation? Start with goals and long-term\npriorities rather than policy details, don’t wait for a milestone event to\nforce it, and consider working with a financial professional to help align\nexpectations across generations.\n\nAbout Lincoln Financial\n\nLincoln Financial helps people confidently plan for their vision of a\nsuccessful financial future. As of December 31, 2025, approximately 17 million\ncustomers trust our guidance and solutions across four core businesses –\nannuities, life insurance, group protection, and retirement plan services. As\nof June 30, 2026, the company had $366 billion in end-of-period account\nbalances, net of reinsurance. Headquartered in Radnor, PA., Lincoln Financial\nis the marketing name for Lincoln National Corporation (NYSE: LNC) and its\naffiliates. Learn more at LincolnFinancial.com. Products are issued by The\nLincoln National Life Insurance Company, Fort Wayne, IN, and in New York,\nLincoln Life & Annuity Company of New York, Syracuse, NY. The Lincoln\nNational Life Insurance Company does not solicit business in the state of New\nYork, nor is it authorized to do so.\n\nLCN-9085236-081926\n\n\n\nView source version on businesswire.com:\nhttps://www.businesswire.com/news/home/20260901694491/en/\n(https://www.businesswire.com/news/home/20260901694491/en/)\n\nMedia@lfg.com \n(mailto:Media@lfg.com)\n\n\nCopyright Business Wire 2026"},"type":"article","timestamp":"2026-09-01T13:00:01.551321556Z","server_sent_at_ms":1788267601551},"received_at":"2026-09-01T13:00:01.635Z","source_url":"https://www.businesswire.com/news/home/20260901694491/en/"},"analysis":{"id":"121569","press_release_id":"132672","analysis_json":{"industry":{"label":"Insurance","sector":"Financials"},"redFlags":[],"eventType":"other","narrative":"Lincoln Financial released research findings for Life Insurance Awareness Month, indicating that 78% of families have not had in-depth conversations about life insurance.\n\nThe study highlights a disconnect between generations, as 60% of adult children assume their parents have coverage while only 44% of parents report actually having a policy.\n\nExecutive Darrel Tedrow emphasized the need for early and honest financial conversations to prevent families from feeling unprepared during critical decision-making moments.","sentiment":"neutral","agentHooks":{"shouldPost":false,"suggestedAngle":"Marketing research release with no material financial impact."},"keyFigures":{"customDimensions":{"parents_have_coverage_pct":"44%","children_assume_coverage_pct":"60%","families_discussed_insurance_pct":"78%"}},"quotedText":"Families often assume these decisions have already been made, but our research points to a broader issue that when generations aren’t talking about long-term intentions or financial priorities, those assumptions leave families feeling unprepared when important decisions arise","namedEntities":{"people":[{"name":"Darrel Tedrow","role":"Executive Vice President, President of Life Insurance and Retail Shared Services"}],"products":[],"companies":[{"name":"Lincoln National Corporation","ticker":"LNC"},{"name":"The Lincoln National Life Insurance Company"},{"name":"Lincoln Life & Annuity Company of New York"}],"dollarAmounts":[{"amount":"$366 billion","context":"end-of-period account balances as of June 30, 2026"}]},"materialImpact":{"score":1,"reasoning":"Routine marketing and research press release for Life Insurance Awareness Month. No financial metrics, guidance, or material corporate events disclosed."},"tickerRelevance":{"others":[],"primary":"LNC"},"globalImportance":10,"audienceRelevance":15,"eventTypeSecondary":[],"importanceComponents":{"tickerTier":"mid_cap","eventGravity":"marketing_pr"}},"event_type":"other","event_type_secondary":null,"sentiment":"neutral","material_impact_score":1,"narrative":"Lincoln Financial released research findings for Life Insurance Awareness Month, indicating that 78% of families have not had in-depth conversations about life insurance.\n\nThe study highlights a disconnect between generations, as 60% of adult children assume their parents have coverage while only 44% of parents report actually having a policy.\n\nExecutive Darrel Tedrow emphasized the need for early and honest financial conversations to prevent families from feeling unprepared during critical decision-making moments.","key_figures":{"customDimensions":{"parents_have_coverage_pct":"44%","children_assume_coverage_pct":"60%","families_discussed_insurance_pct":"78%"}},"named_entities":{"people":[{"name":"Darrel Tedrow","role":"Executive Vice President, President of Life Insurance and Retail Shared Services"}],"products":[],"companies":[{"name":"Lincoln National Corporation","ticker":"LNC"},{"name":"The Lincoln National Life Insurance Company"},{"name":"Lincoln Life & Annuity Company of New York"}],"dollarAmounts":[{"amount":"$366 billion","context":"end-of-period account balances as of June 30, 2026"}]},"model_name":"glm-4.7","prompt_hash":"sha256:727b4b9429a443af","schema_hash":"sha256:05005c02d9cffac9","created_at":"2026-09-01T15:35:00.301Z","global_importance":10,"audience_relevance":15,"importance_components":{"tickerTier":"mid_cap","eventGravity":"marketing_pr"}},"durationMs":178128,"modelName":"glm-4.7"}}