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Partner with us

Gain personalized attention and support before, during and after the sale. For over 50 years, we have been evaluating and evolving our process to make doing business with our highly experienced teams even easier.

Industry-leading underwriting

 At Lincoln Financial, we realize that the quality of our underwriting, from medical enhancements to customer service, is critical to your success. We are here for you with:

Streamlined applications
  • eNIGO offers you a faster, more efficient way to satisfy not-in-good-order requirements
  • LincXpress® Tele-App eTicket now available for all VUL and SVUL cases
  • eApp online application now available for IUL cases
  • One exam process for all life products
  • One application for all submission methods and life products
  • Voice signature capabilities
  • Case tracker gives you faster notification of status

See the LincXpress® process

Leading-edge underwriting
  • No labs or exams with an Executive Physical for personal or business coverage up to $20 million
  • Dedicated teams—including a Foreign National team
  • No resting EKGs required for any age or face amounts
  • Nontobacco rates available for cigar, pipe, and chewing tobacco users
  • Improved guidelines for clients with a history of atrial fibrillation, asthma, sleep apnea, ulcerative colitis, dysplastic nevus, prostate and breast cancer
  • Significantly improved hepatitis C guidelines and ratings1

Watch the doctor discuss medical advancements and the advantages of working with Lincoln Financial’s underwriting team

Jordan Carreira, Vice President of Lincoln Life Underwriting
Hear from the Office of the Chief

Find new opportunities to win more cases and expand into new markets.

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Grow your business in new markets

Our dedicated specialists and experienced financial service professionals give you the support, planning tools, and resources you need to identify opportunities and build your practice.

Explore Lincoln tool and resources

Life is what you make it

Living benefits may help your clients do more during their lifetimes.

Learn about living benefits

1 Most will qualify for standard; some preferred.

 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.