Temporary, affordable protection

Your clients want affordability and flexibility and a simple, convenient application process. Term insurance is designed to meet those needs.

Several life events drive the need for life insurance protection, including: a job change or loss, debt accumulation, change in marital status, birth of a child, the purchase of a home, or health concerns.

Get to know your clients

Younger, cost-conscious clients

They're at the start of their career and building a new family. They may live for the present and underestimate their protection needs. Despite significant earnings, they have limited disposable income.

Older, affluent clients

These budget-minded and disciplined savers may have life insurance but tend to be underinsured. They’re often focused on managing other priorities and significant career and family obligations. 


Solutions to consider

  • For middle market clients
  • For affluent clients

Explore Lincoln TermAccel® Level Term and find competitive premiums, a streamlined purchase process, fully automated underwriting and the ability to convert to a Lincoln permanent life policy*.

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


How much life insurance does my client need?

Use this life insurance calculator to help address your client's needs and their financial situation.

Try our life insurance calculator.

Will your client's savings last a lifetime?

Our life expectancy calculator can help determine how much they'll need to provide for their family and themselves.

Try our life expectancy calculator.

*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.

For Financial Professionals only.