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Term life insurance and AD&D

Term life and accidental death and dismemberment insurance from Lincoln helps 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 withdraw a percentage of their life insurance coverage when diagnosed as terminally ill, reducing the death benefit by the amount withdrawn.
  • Portability lets employees keep their coverage, even if they leave their company.
  • Conversion allows employees to convert all or part of their coverage to an individual life policy if they leave their company, without Evidence of Insurability (EOI).

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
  • Optional 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

Added value

  • Travel assistance services provide emergency travel arrangements and free emergency medical help whenever insured employees and their dependents travel more than 100 miles from home.
  • Every Lincoln term life policy includes support services for employees, their families and beneficiaries, such as will preparation, memorial planning, and legal and financial information.

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, employer or funeral home.
  • Our LINKS 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.

Employee assistance services are provided by ComPsych® Corporation, Chicago, IL. TravelConnectSM travel assistance services are provided by UnitedHealthcare Global, Baltimore, MD. The TravelConnectSM program is not available to insured employees and dependents of policies issued in the state of New York. ComPsych® and UnitedHealthcare Global are not Lincoln Financial Group® companies. Coverage is subject to actual contract language. Each independent company is solely responsible for its own obligations.

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. In New York, insurance products (policy series GL1101) are issued by Lincoln Life & Annuity Company of New York (Syracuse, NY). Both 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.