{"id":20,"date":"2026-09-30T10:13:46","date_gmt":"2026-09-30T16:13:46","guid":{"rendered":"https:\/\/www.homeandfarm.com\/blog\/?p=20"},"modified":"2026-09-25T10:47:44","modified_gmt":"2026-09-25T16:47:44","slug":"why-lincoln-became-one-of-americas-life-insurance-towns","status":"publish","type":"post","link":"https:\/\/www.homeandfarm.com\/blog\/why-lincoln-became-one-of-americas-life-insurance-towns\/","title":{"rendered":"Why Lincoln Became One of America&#8217;s Life Insurance Towns"},"content":{"rendered":"<p>Drive through downtown Lincoln and you&#8217;ll pass the headquarters of companies that have been writing life insurance for well over a century. For a mid-sized Plains city, Lincoln carries an outsized place in the industry&#8217;s history, and that story holds a few lessons that still matter to anyone buying a policy today.<\/p>\n<h2>A Quick Timeline<\/h2>\n<ul style=\"list-style:none; padding-left:0;\">\n<li style=\"border-left:3px solid #6a8f3c; padding:6px 12px; margin-bottom:8px;\"><strong>1887<\/strong> Old Line Bankers Life Insurance Company of Nebraska is founded in Lincoln. It later becomes Ameritas.<\/li>\n<li style=\"border-left:3px solid #6a8f3c; padding:6px 12px; margin-bottom:8px;\"><strong>Late 1800s and 1900s<\/strong> Other Lincoln-based insurers take root, including Woodmen Accident and Life.<\/li>\n<li style=\"border-left:3px solid #6a8f3c; padding:6px 12px; margin-bottom:8px;\"><strong>2007<\/strong> Several of those local companies combine to form Assurity, still headquartered in Lincoln.<\/li>\n<\/ul>\n<p>A fun footnote: Lincoln Financial Group isn&#8217;t from here. That company takes its name from Abraham Lincoln and is based elsewhere entirely.<\/p>\n<h2>Three Lessons Worth Carrying Forward<\/h2>\n<h3>1. &#8220;Old line&#8221; once meant something specific<\/h3>\n<p>In the early days, the term described companies that held legal reserves to back their promises, rather than relying on collecting assessments from members after a death. That idea, keeping money set aside so claims can be paid, is still the foundation of every sound policy.<\/p>\n<h3>2. Ownership structure is worth knowing<\/h3>\n<p>Both Ameritas and Assurity operate as mutual organizations, meaning they&#8217;re structured around policyholders rather than outside shareholders. Not every insurer works this way, and asking how a carrier is organized is a reasonable question.<\/p>\n<h3>3. Longevity and strength go hand in hand<\/h3>\n<p>A life policy may need to perform decades from now. Independent financial strength ratings help show which carriers are built for that kind of commitment.<\/p>\n<p>Home and Farm Insurance helps families in Lincoln, Bennet, and across Nebraska compare carriers and find <a href=\"https:\/\/www.homeandfarm.com\/life-insurance.html\" title=\"Life Insurance in Lincoln and Bennet NE\">life insurance<\/a> that fits their goals. To start the conversation, reach out through <a href=\"https:\/\/www.homeandfarm.com\" title=\"Home and Farm Insurance Homepage\">Home and Farm Insurance<\/a>, proudly serving Lincoln, NE from our Bennet office.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Drive through downtown Lincoln and you&#8217;ll pass the headquarters of companies that have been writing life insurance for well over a century. For a mid-sized Plains city, Lincoln carries an outsized place in the industry&#8217;s history, and that story holds a few lessons that still matter to anyone buying a policy today. A Quick Timeline [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[5],"tags":[15,19,16],"class_list":["post-20","post","type-post","status-publish","format-standard","hentry","category-life-insurance","tag-home-and-farm-insurance","tag-life-insurance","tag-lincoln"],"aioseo_notices":[],"aioseo_head":"\n\t\t<!-- All in One SEO 5.0.2.1 - aioseo.com -->\n\t<meta name=\"description\" content=\"Drive through downtown Lincoln and you&#039;ll pass the headquarters of companies that have been writing life insurance for well over a century. For a mid-sized Plains city, Lincoln carries an outsized place in the industry&#039;s history, and that story holds a few lessons that still matter to anyone buying a policy today. A Quick Timeline\" \/>\n\t<meta name=\"robots\" content=\"max-image-preview:large\" \/>\n\t<meta name=\"author\" content=\"admin\"\/>\n\t<link rel=\"canonical\" href=\"https:\/\/www.homeandfarm.com\/blog\/why-lincoln-became-one-of-americas-life-insurance-towns\/\" \/>\n\t<meta name=\"generator\" content=\"All in One SEO (AIOSEO) 5.0.2.1\" \/>\n\t\t<meta property=\"og:locale\" content=\"en_US\" \/>\n\t\t<meta property=\"og:site_name\" content=\"Blog | Home and Farm Insurance -\" \/>\n\t\t<meta property=\"og:type\" content=\"article\" \/>\n\t\t<meta property=\"og:title\" content=\"Why Lincoln Became One of America\u2019s Life Insurance Towns - Blog | Home and Farm Insurance\" \/>\n\t\t<meta property=\"og:description\" content=\"Drive through downtown Lincoln and you&#039;ll pass the headquarters of companies that have been writing life insurance for well over a century. 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