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

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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.

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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.*

   
 

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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.

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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.