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TERM LIFE INSURANCE AND AD&D

Don't leave your loved ones financially unprotected if you die unexpectedly. Your life insurance policy can pay cash to your beneficiaries, helping them cope with the loss of your income.

Term life insurance offers protection at any stage of life:

  • Singles. You may not have any dependents, but do you have student loans or credit card debt? You can help keep those expenses from falling to your parents, siblings or your estate.
  • Young families. Home payments, college savings and other expenses, plus the well-being of your spouse and children, give you plenty of reasons to consider term life insurance.
  • Empty nesters. Your children may be independent, but will your spouse be left with the costs of mortgage and financing retirement?

Term life insurance may also help:

  • Assist a disabled adult child
  • Support your grandchildren's education
  • Build a secure retirement fund for your spouse or partner
  • Leave a legacy for your loved ones or a favorite charity

Coverage for accidental death and dismemberment (AD&D)

AD&D coverage pays a benefit if you die or lose your sight or a limb as the result of a
covered accident.

The advantages of group insurance:

  • Cost. This coverage is offered at group rates, which are often less expensive than rates for individual policies.
  • Convenience. Payroll deduction is simple and easy.
  • Confidence. You can choose the right coverage at work.

Group insurance products are issued by The Lincoln National Life Insurance Company (Fort Wayne, IN), which is not licensed and does not solicit business in New York. In New York, group insurance products are issued by Lincoln Life & Annuity Company of New York (Syracuse, NY). Lincoln Financial Group is the marketing name for Lincoln National Corporation and its affiliates. Each affiliate is solely and independently responsible for its own financial and contractual obligations. Products may not be available in all states. These products contain exclusions, limitations, reductions of benefits, and/or terms under which the policy may be continued in-force or discontinued.

Hello future.
Lincoln Financial Group is the marketing name for Lincoln National Corporation and insurance
company affiliates, including The Lincoln National Life Insurance Company, Fort Wayne, IN,
and in New York, Lincoln Life & Annuity Company of New York, Syracuse, NY. Variable products
distributed by broker/dealer-affiliate Lincoln Financial Distributors, Inc., Radnor, PA. Securities
and investment advisory services offered through other affiliates. Explore Lincoln.



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