Kids pulling dad in wagon.

Protect the ones you love

Term Life insurance is temporary life insurance, with a guaranteed, income tax-free death benefit, that can make it simple to protect your loved ones for a specific period of time.

When you have short-term needs like covering your children’s education expenses or the mortgage, a Term Life insurance product might be a good solution.

Our Term Life insurance options offer convenient applications, quick processing and the opportunity to convert your policy to a Lincoln permanent policy.1

Choose the best Term Life insurance option for you:

Lincoln TermAccel® Level Term (2019) (not available in New York)
If you’re in good health and looking to get coverage for 10, 15, 20, or 30 years fast, TermAccel® is your solution. The process is fully automated and offers affordable coverage quickly.

Lincoln LifeElements® Level Term (2019) (not available in New York)
If you’re looking for a little more coverage for 10, 15, 20 or 30 years for your family, your business or both, Lincoln LifeElements® Level Term is your solution. It offers coverage amounts of $1 million and above with dedicated teams that specialize in large cases.


Understand the process

Our Term Life applications are automated, and you may not need a medical exam.

See how easy it can be to apply

Want your life insurance policy to do more?

Permanent Life insurance offers investment features as well as protection.

See your life insurance options

Are you a business owner?

Life insurance provides a creative way to attract and retain top talent.

See how businesses benefit from life insurance

1 Convertible prior to the end of the level premium payment period (10, 15, 20 or 30 years) or prior to insured’s attained age 70, whichever comes first. Ask your financial professional what opportunities may apply to you.

 In New York, Lincoln LifeElements® One-year Term and Lincoln LifeElements® Level Term (10-year) will only be available for contractual obligations. Lincoln Financial Group® affiliates, their distributors, and their respective employees, representatives, and/or insurance agents do not provide estate, tax, accounting, or legal advice. Please consult an independent professional as to any tax, accounting, or legal statements made herein.

It is possible coverage will expire when either no premiums are paid following the initial premium, or subsequent premiums are insufficient to continue coverage.