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A simple process for applying for life insurance

Expect the convenience of a simplified experience when you purchase a Lincoln life insurance policy—regardless of your age or the amount of financial protection you want.

Our application interview process makes life easy


Expect a simple process.
Just meet with your financial professional and Lincoln does the rest.


Participate in one convenient, confidential online or phone interview.

Lincoln will collect your application information at a time that fits your schedule.


Your application moves through underwriting.

A dedicated team of Lincoln underwriting specialists will take it from there.


You may be eligible for lab-free consideration.

Lincoln waives lab work for the healthiest individuals, ages 18 to 60, who want coverage of $1 million or less.


Choose eDelivery.

If you want to receive your policy faster, ask your financial professional about eDelivery.