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Term Life Insurance

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

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
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.