| Jumbo Limit: |
Lincoln jumbo limit is $65,000,000 for ages 0-80, $50,000 for ages 81-85 and $10,000,000 for ages 86-90 and is defined as the "total coverage in force plus the amounts of coverage being applied for in ALL companies." Cases in excess of jumbo limit will require reinsurance review. |
| Table C to Standard: |
An industry unique program that gives us the ability to take a case with total final mortality of up to Table C at standard rates. This program is available to individuals up to and including age 70 for amounts up to $10,000,000 inclusive per life, on permanent individual and second to die programs. |
| New Underwriting Classes: |
With the introduction of five new products (Lincoln ULLPR-6, Lincoln ULDB-2, Lincoln VULCV-IV, Lincoln VULDB-IV and Lincoln VULONE), we are announcing four new non-smoking underwriting classes that will improve our position on the Standard and Preferred risk. The top three classes, Preferred Best, Preferred and Standard Best, for individuals through age 80, are available to clients with well-controlled blood pressure and lipids, regardless of whether or not they're on medication. Individuals who smoke cigars or pipes, or use chewing tobacco, may be eligble for the Standard Best rate class. We also offer Preferred up to age 80 on all available products.
The 4th new underwriting class - Standard "Non-Smoker" - is available to age 90 on the two new Universal Life products and to age 85 for the three new variable contracts. Substandard ratings and flat extras, when required, will be applied to this Standard rate class. The class will also be for the Table C to Standard program for these four products. |
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Our Preferred Guidelines remain competitive for all other products as well and are offered on individuals up to age 80. |
| Smoker Class: |
Standard "non-smoker" rates are available to non-cigarette tobacco users (pipe, cigar, chew). |
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| Temporary Insurance: |
Temporary insurance is available for individuals from 15 days to 70 years old, equal to the amount applied for, up to a maximum of $500,000 of temporary coverage (not available for applications over $3,000,000). This is a separate, temporary benefit. |
| Flexibility of Requirements: |
MD and Paramed exams are considered valid for a period of up to 180 days from the date performed when updated with a current non-medical Part 2. Blood/urine studies and chest X-rays are valid for a period of six months while resting ECGs and treadmills are acceptable for a period up to a year from the date performed. These timeframes are applied regardless of whether the evidence is secured for Lincoln or when we use authorized borrowed evidence from other carriers. |
| Complex Case Experience: |
Our senior underwriting team has over 20 years of experience in the large case, advanced design market. We have the expertise to support you on your most sophisticated financial, estate, and business planning cases. |
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Lincoln ULLPR-6, Lincoln ULDB-2, Lincoln VULCV-IV, Lincoln VULDB-IV and Lincoln VULONE are issued on policy form numbers LN587, LN597, LN670, LN690 and LN691, respectively by The Lincoln National Life Insurance Company, Fort Wayne, IN and offered through broker/dealers with an effective selling agreement. Product and features are subject to state availability;
Variable products are sold by prospectus containing investment objectives, risks charges and expenses of the variable product and its uderlying investment options.; Read carefully.
LLA0601-0006
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