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Lincoln Financial
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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 application submission process with Tele-app helps reduce turnaround times and ensure in-good-order applications, enabling faster policy issue for term and permanent UL and Indexed UL 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 Tele-App2
  • Guaranteed convertibility to a Lincoln permanent life policy1
Lifetime Guaranteed Death Benefit Protection

LINCOLN LIFEGUARANTEE® UL*

  • A lifetime guaranteed death benefit with competitive level-pay pricing
  • Guaranteed premiums and a strong rate of return on the death benefit
  • 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 Tele-App 

LINCOLN LIFEGUARANTEE® SUL

  • is 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 Tele-App 
Extended Guaranteed Death Benefit Protection

LINCOLN WEALTHPRESERVE® IUL

  • A guaranteed death benefit for up to 40 years or to age 904
  • A simple policy design with one indexed account linked to S&P 500 Index performance, an 8.75% cap guaranteed for 10 years, 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 Tele-App

LINCOLN WEALTHPRESERVE® SIUL

  • Offers cash value growth potential linked to three indexed accounts, the downside protection of a 1% floor, and the ability to protect legacy assets from tax exposure and market risk.8
  • Optional Extended No-Lapse Minimum Premium Rider extends the 10-Year No-Lapse Minimum Premium included with the policy6
  • The opportunity to waive labs for qualifying clients through LincXpress Tele-App 
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 Tele-App

LINCOLN WEALTHADVANTAGE® IUL

  • A flexible solution for tax-efficient estate and legacy planning, supplemental retirement income opportunities, or business protection needs.7
  • The opportunity to waive labs for qualifying clients through LincXpress Tele-App