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Temporary, affordable protection

Offer your clients the affordability and flexibility they want—with the convenience of a simple application process.

There are a number of life events that trigger the need for life insurance coverage or additional financial protection, such as a job change or loss, a change in marital status, the birth of a child, a home purchase or health concerns. It can even be used to help business owners protect their business investment. Lincoln has the term insurance solutions to meet those needs.

Choose the product that’s right
for your client

Lincoln TermAccel^®Level Term — for younger, middle market clients Highly competitive rates, especially for ages 30-50 with face amounts $250,000 - $500,000 Fully electronic process, automated underwriting No labs for qualifying clients	Lincoln LifeElements^® Level Term — for affluent clients Highly competitive rates, especially for ages 45 and up with face amounts $500,000 and above Streamlined Tele-App process for electronic or paper ticket submissions No labs for qualifying clients

Lincoln TermAccel^®Level Term —
for younger, middle market clients

Highly competitive rates, especially for ages 30-50 with face amounts $250,000 - $500,000
Fully electronic process, automated underwriting
No labs for qualifying clients

Lincoln LifeElements^® Level Term —
for affluent clients

Highly competitive rates, especially for ages 45 and up with face amounts $500,000 and above
Streamlined Tele-App process for electronic or paper ticket submissions
No labs for qualifying clients

For business owner clients

Help your clients protect their business investment. If a business owner or key employee unexpectedly passes away, life insurance can be a valuable tool to help a business:

Replace lost revenue
Recruit and train a replacement who is equally skilled
Maintain business continuity for clients, creditors and employees
Fund a buy-sell agreement

Click here to learn more about business planning strategies funded by life insurance.

Compare policy details

	Lincoln TermAccel^® Level Term	Lincoln LifeElements^® Level Term
Face Amounts	Minimum: $100,000 Maximum: $500,000	Minimum: $250,000 Maximum: Subject to underwriting limits
Term Duration	15/20/30 years	10/15/20/30 years
Ages	18-50	18-80
Underwriting	Automated. No paper applications. No attending physician statement (APS) required. Up to a Table D rating	Full underwriting. Paper applications allowed. Up to a Table H rating
Policy Fee	Payable all years $100,000-$249,999: $80 $250,000-$500,000: $90	Payable all years $90
Prepay Discount	No	Yes
Banding	Band 1: $100,000-$249,999 Band 2: $250,000-$499,999 Band 3: $500,000	Band 1: $250,000-$499,999 Band 2: $500,000-$999,999 Band 3: $1,000,000 +

Lincoln TermAccel^® Level Term and LincXpress^SM for Lincoln LifeElements^® Level Term is not available in New York. Rates for Lincoln LifeElements^® Level Term in New York vary from the national version.