Nothing beats feeling secure. Your clients want to be able to protect what matters most in a way that fits their evolving needs. Our products offer them even more.

Who are these clients?

These clients are interested in securing their family's future and reducing their loved ones' financial worries. They are thinking about their children, household expenses and/or their spouse's lifestyle.

  • These clients may be paying off student loans or credit card debt.
  • They may be at the start of their career and building a family. 
  • They may be thinking about the future of their business.
  • They may be looking to add more protection than just their emergency fund.

Questions to start the conversation

  1. Would your family be able to maintain their standard of living without your income or business?
  2. Without your income, would your plan for your family’s education change?
  3. Are you looking to grow your savings while providing protection for your family?

Solutions to consider

  • For temporary protection
  • For permanent protection

For temporary protection

Explore Lincoln TermAccel® Level Term for competitive premiums, a streamlined purchase process, fully automated underwriting with the opportunity to waive labs for qualifying clients and the ability to convert to a Lincoln permanent life policy.1

Lincoln LifeElements® Level Term offers competitive premiums, faster turnaround times with the LincXpress® process, concierge underwriting with the opportunity to waive labs for qualifying clients and the ability to convert to a Lincoln permanent life policy.1

For permanent protection

For clients looking for flexibility with their guaranteed protection, consider Lincoln LifeGuarantee® UL or Lincoln LifeGuarantee® SUL.

For clients looking for guaranteed lifetime protection with growth opportunity, Lincoln VULONE or Lincoln SVULONE2 provides market-driven growth potential and a choice of more than 75 investment options.

For clients looking for market participation through an index account with extended guaranteed protection, Lincoln WealthPreserve® IUL offers them market-loss protection and the flexibility to meet their changing needs.  Add optional riders for additional protection, including long-term care expense protection.

Business insurance solutions

Let us help you identify, design, implement and administer life insurance solutions for your business owner clients.

Compare our life insurance offerings

Global clients

Help Foreign National clients diversify their global portfolios.

Learn more about our foreign national expertise

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1 Ask your representative what opportunities may apply. Convertible to the end of the level premium payment period prior to insured’s attained age 70, whichever comes first.

2 Lincoln VULONE 2019

Lincoln TermAccel® Level Term (2019) policy form TRM6069; Lincoln LifeElements® Level Term (2019) policy form TRM6063; Lincoln LifeGuarantee® UL (2019) policy form ICC19UL6080/UL6080; Lincoln LifeGuarantee® SUL (2019) policy form ICC19SUL6084/SUL6084; Lincoln VULONE (2019) policy form ICC19-VUL686/ICC19ONER-686/19-VUL686/ONER-686; Lincoln SVULONE (2019) policy form ICC19-SVUL687/ICC19ONER-687, 19-SVUL687/ONER-68; Lincoln WealthPreserve® 2 IUL (2020) is issued on policy form ICC20UL6091/UL6091, and state variations by The Lincoln National Life Insurance Company, Fort Wayne, IN, and distributed by Lincoln Financial Distributors, Inc., a broker-dealer. The Lincoln National Life Insurance Company does not solicit business in the state of New York, nor is it authorized to do so.

All guarantees and benefits of the insurance policy are subject to the claims-paying ability of the issuing insurance company. They are not backed by the broker-dealer and/or insurance agency selling the policy, or any affiliates of those entities other than the issuing company affiliates, and none makes any representations or guarantees regarding the claims-paying ability of the issuer.

Lincoln variable universal life insurance is sold by prospectuses. Carefully consider the investment objectives, risks, and charges and expenses of the policy and its underlying investment options. This and other important information can be found in the prospectus for the variable universal life policy and the prospectus for the underlying investment options. Prospectuses are available upon request and should be read carefully before investing or sending money. For current prospectuses, please call 800-444-2363 or go to

With variable products, policy values will fluctuate and are subject to market risk and to possible loss of principal.

Products, riders and features are subject to state availability. Limitations and exclusions apply.

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.