A man reading a little girl a book.

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).

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

Added value

  • Travel assistance provides covered persons with a wealth of services when on a trip more than 100 miles from home, including emergency medical assistance, lost/stolen travel document help, or even return of vehicle.*
  • 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 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.

The Travel ConnectSM program is not available to insured employees and dependents of policies issued in the state of New York.

Employee Assistance Program services are provided by ComPsych® Corporation, Chicago, IL. TravelConnectSM travel assistance services are provided by On Call International, Salem, NH. On Call International must coordinate and provide all arrangements in order for eligible services to be covered. ComPsych and On Call International are not Lincoln Financial Group companies and Lincoln Financial Group does not administer these services. Each independent company is solely responsible for its own obligations. Coverage is subject to contract language that contains specific terms, conditions, and limitations which can be found in the program description.

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 Liberty Life Assurance Company of Boston (Boston, MA). In New York, insurance products (policy series GL1101) are issued by Lincoln Life & Annuity Company of New York (Syracuse, NY) or Liberty 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.