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Term Life Insurance

Simplify your Life

Now, you can protect all your clients, faster and with highly competitive rates from a top life insurance company.

Utilizing our innovative paperless process, Lincoln TermAccel® Level Term makes it simple for you to insure younger, middle market clients. And our streamlined Tele-App process for affluent, older clients makes it more convenient and efficient to offer Lincoln LifeElements® Level Term when larger face amounts are needed.

Choose the product that’s right
for your client

Lincoln TermAccel®  Level Term
for the middle Market     

Get highly competitive rates and quicker policy issuance with Lincoln's fully electronic process.

  • Highly competitive rates, especially for ages 30-50 with face amounts $250,000 - $500,000
  • Fully-electronic, streamlined Tele-App process required — at no cost
  • No labs for qualifying clients
  • Quick, automated underwriting – qualifying policies have issued in as little as two days!

Lincoln LifeElements®  Level Term
for affluent clients

Offer affluent clients faster turnaround along with highly competitive rates and Lincoln concierge underwriting.

  • Electronic, streamlined LincXpressSM Tele-App process available, with faster turnaround times and less hassle
  • Highly competitive rates, especially for ages 45 and up with face amounts $500,000 and above
  • No labs for qualifying clients through the Tele-app process
  • Tele-app paper submissions or full application also accepted


Because life can change quickly, protect them just as fast.

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 LincXpressSM 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.