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Simplifying life for you and your clients

Save time and give your clients excellent customer service without having to manage their experience.

Along with providing life insurance solutions to meet your clients' needs, Lincoln is committed to continually enhancing the experience to make the process as smooth as possible. The streamlined electronic ticket submission process with client interview helps reduce turnaround times and ensure in-good-order ticket, enabling faster policy issue for term and permanent life insurance products.

Choose the product that's right for your clients' needs

Temporary Death Benefit Protection

LINCOLN TERMACCEL^® LEVEL TERM* Competitive rates for ages 30 – 60 with face amounts of $250,000 – $1,000,000 for 10-, 15-, 20-, or 30-year terms Fully automated underwriting with no APS required The opportunity to waive labs for qualifying clients Guaranteed convertibility to a Lincoln permanent life policy¹	LINCOLN LIFEELEMENTS^® LEVEL TERM Competitive rates — especially for cases involving: - Ages 30+ with coverage amounts of $1 million and above - Ages 55+ with coverage amounts of $500,000 and above Streamlined automated underwriting and the opportunity to waive labs for qualifying clients through LincXpress ticket submission² Guaranteed convertibility to a Lincoln permanent life policy¹

LINCOLN TERMACCEL^® LEVEL TERM*

Competitive rates for ages 30 – 60 with face amounts of $250,000 – $1,000,000 for 10-, 15-, 20-, or 30-year terms
Fully automated underwriting with no APS required
The opportunity to waive labs for qualifying clients
Guaranteed convertibility to a Lincoln permanent life policy¹

LINCOLN LIFEELEMENTS^® LEVEL TERM

Competitive rates — especially for cases involving:
- Ages 30+ with coverage amounts of $1 million and above
- Ages 55+ with coverage amounts of $500,000 and above
Streamlined automated underwriting and the opportunity to waive labs for qualifying clients through LincXpress ticket submission²
Guaranteed convertibility to a Lincoln permanent life policy¹

Lifetime Guaranteed Death Benefit Protection

LINCOLN LIFEGUARANTEE^® UL*

Choice of guaranteed death benefit period
Guaranteed premiums
A choice of optional policy enhancements that provide financial protection from either long-term care or permanent chronic illness expenses³
The opportunity to waive labs for qualifying clients through LincXpress ticket submission

LINCOLN LIFEGUARANTEE^® SUL*

A survivorship universal life policy that’s payable on the second death and guaranteed to be there for your beneficiaries to provide estate liquidity, or a family or charitable legacy.
The opportunity to waive labs for qualifying clients through LincXpress ticket submission

LINCOLN VULONE*

A death benefit guaranteed for life — regardless of market performance¹⁰
More than 75 diverse investment options to align with diversification objectives¹¹
Access to cash value⁷
A choice of optional policy enhancements that provide financial protection from either long-term care or permanent chronic illness expenses³
The opportunity to waive labs for qualifying clients through LincXpress ticket submission

LINCOLN SVULONE*

Lifetime guaranteed protection for two lives with a death benefit paid upon the second death
A death benefit guaranteed for life — regardless of market performance¹⁰
More than 75 diverse investment options to align with diversification objectives¹¹
Access to cash value⁷
A choice of optional policy enhancements that provide financial protection from either long-term care or permanent chronic illness expenses³
The opportunity to waive labs for qualifying clients through LincXpress ticket submission

Extended Guaranteed Death Benefit Protection

LINCOLN WEALTHPRESERVE^® IUL A guaranteed death benefit for up to 40 years or to age 90⁴ A choice of two indexed account options and the protection of a guaranteed 1% floor⁵ Optional policy enhancements that provide financial protection from expenses due to permanent chronic illness or terminal illness³ The opportunity to waive labs for qualifying clients through LincXpress ticket submission

LINCOLN WEALTHPRESERVE^® IUL

A guaranteed death benefit for up to 40 years or to age 90⁴
A choice of two indexed account options and the protection of a guaranteed 1% floor⁵
Optional policy enhancements that provide financial protection from expenses due to permanent chronic illness or terminal illness³
The opportunity to waive labs for qualifying clients through LincXpress ticket submission

Short-term Guaranteed Death Benefit Protection

LINCOLN WEALTHACCUMULATE^® IUL*

Significant growth opportunities with choices to help increase wealth over time
Access to cash value to supplement retirement income⁷
Downside protection to help shield from market losses⁸
The option to have your premiums returned if the market underperforms⁹
The opportunity to waive labs for qualifying clients through LincXpress ticket submission

LINCOLN WEALTHADVANTAGE^® IUL (NY only)

A flexible solution for tax-efficient estate and legacy planning, supplemental retirement income opportunities, or business protection needs⁷
The opportunity to waive labs for qualifying clients through LincXpress ticket submission

LINCOLN ASSETEDGE VUL

Guaranteed death benefit protection
More than 75 diverse investment options to align with diversification objectives¹¹
Offers four indexed accounts and a Fixed Account option
Access to cash value⁷
A choice of optional policy enhancements that provide financial protection from either long-term care or permanent chronic illness expenses³
The opportunity to waive labs for qualifying clients through LincXpress ticket submission

For financial professional or broker use only. Not for use with the public.

*Product not available in New York.
¹Ask 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.
²Automated Underwriting and the opportunity to waive labs for qualifying clients will apply to LincXpress Tele-App cases for ages 18-60 with a face amount of $1 million or less.
³Additional living benefits are offered through riders, are subject to eligibility, and may have additional costs. Limitations and exclusions may apply. For additional details, please contact your financial professional.
⁴Minimum premium requirement must be met to maintain the Extended No-Lapse Minimum Premium Rider. Only available with death benefit option 1 and maximum issue age of 79.
⁵Policy charges remain in effect and could reduce your policy value. In New York, the current account cap is 8.25% and guaranteed to be no less than 2% in all years.
⁶Minimum premium must be met. Available at an additional cost.
⁷Distributions are through loans and withdrawals, which will reduce a policy’s cash value and death benefit. Loans are not considered income and are not taxable while withdrawals are tax-free up to the policy’s cost basis, provided the policy is not a MEC.
⁸Policy charges remain in effect and could reduce your policy value.
⁹Subject to availability and certain requirements.
¹⁰The ONE Rider is issued automatically at no additional charge. To maintain the guaranteed death benefit protection, automatic rebalancing is required and the use of the money market investment option is limited to the right-to-examine period, or as an account from which to transfer funds for the dollar cost averaging (DCA) program. We reserve the right to establish investment restrictions in the future under limited conditions as described in the prospectus. If the no-lapse benefit expires or terminates, the account value must be sufficient to keep the policy in-force, or additional premiums will be required to avoid a policy lapse. Paying only the premium required to satisfy the no-lapse guarantee may lessen the potential for buildup of the policy’s account value. As long as the requirements of the rider are met, it will not terminate while the policy is in-force. The no-lapse guarantee is in effect if either of the rider’s reference values, less indebtedness, is greater than zero.
¹¹Diversification does not assure a profit or protect against loss.