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Term life insurance and AD&D

Term life and accidental death and dismemberment insurance (AD&D) from Lincoln can help employees take care of their loved ones by providing benefits in the event of their death or catastrophic injury.

Full benefits

  • The Waiver of Premium option helps employees keep their life coverage if they’re disabled and unable to work for more than six months in a row.
  • Accelerated Death Benefit enables the insured to receive a percentage of their death benefit when diagnosed as terminally ill, reducing the total death benefit by the amount received.
  • Portability lets employees maintain their coverage, even if they leave their company.
  • Conversion allows employees to convert all or part of their coverage to a permanent individual life policy if they leave their company, without Evidence of Insurability (EOI).
  • The Express Life Claims Service Offering provides an accelerated approval process for life insurance claims. This service applies to basic life coverage up to $300,000 and removes the requirement of a death certificate.

Flexible options

  • Flat dollar amount or percentage of salary options
  • Flexible Guarantee Issue amounts available, with no EOI needed to qualify
  • Annual increases available without EOI on employee-paid plans
  • Supplemental term plans available
  • Accidental death & dismemberment (AD&D) pays a benefit if the insured dies or loses a limb, sight, speech or hearing because of a covered accident

Responsive, simple and seamless service

  • Lincoln provides swift, responsive claims service with a goal of a claims decision within five days of receiving complete claims information.
  • A life insurance claim can be started over the phone by the beneficiary or employer.
  • Our integrated claims management process allows automatic transfer of information from a life waiver claim to the start of a death claim; no separate claim form needs to be submitted for term and supplemental life insurance.


*Terms and conditions apply. Review the Plan Description for full details.

The receipt of accelerated benefits may be taxable. Employees and/or covered spouses should seek assistance from a personal tax advisor.

Insurance products (policy series GL1101) are issued by The Lincoln National Life Insurance Company (Fort Wayne, IN), which does not solicit business in New York, nor is it licensed to do so or Lincoln Life Assurance Company of Boston (Dover, NH). In New York, insurance products (policy series GL1101) are issued by Lincoln Life & Annuity Company of New York (Syracuse, NY) or Lincoln Life Assurance Company of Boston. All are Lincoln Financial Group® companies. Product availability and/or features may vary by state. Limitations and exclusions apply.

Lincoln Financial Group is the marketing name for Lincoln National Corporation and its affiliates.

Affiliates are separately responsible for their own financial and contractual obligations.