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 —
Lincoln LifeElements® Level Term —
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: Subject to underwriting limits
|Term Duration||15/20/30 years||10/15/20/30 years|
|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
|Payable all years
|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.