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Lincoln LifeElements ®
Level Term

This term policy is appealing to affluent clients, middle age and above , who want significant coverage with attractive rates . It features a simple application process , fully automated underwriting and the ability to convert to a Lincoln permanent life policy.1 There’s no lab work for clients who meet certain qualifications2, and clients can customize their policies by adding features to meet their individual needs.

Consider Lincoln LifeElements   for clients ages 45 and above who may need financial protection for a certain number of years to cover mortgage costs or children’s educations. It’s also solid solution for business owners who want coverage in the event of death of a key employee or to fund a business transition plan.

Easy Sales Process*

Step 1: Ticket Submission and Tele-App
  • Submit an eticket
  • When case is deemed 'in good order', an email will be sent to the client with a link to schedule their Tele-App interview. If no appointment is scheduled within 24-48 hours, Lincoln will call the client to schedule. A phone interview, in English only, will be conducted with a dedicated Lincoln team member.
Step 2: Underwriting
  • Lincoln confirms client identification through Rx, MVR, and MIB query
  • Labs waived for qualifying clients, or Lincoln orders vitals and physical measurements (height, weight, blood pressure, fluids)
Step 3: eDelivery
  • If accepted, eDelivery of policy—providing same-day access for client delivery

*Paper ticket submissions also available

Compare policy details

  Lincoln LifeElements® Level Term
Face Amounts Minimum: $250,000
Maximum: Subject to underwriting limits
Term Duration 10/15/20/30 years
Ages    18-80
Underwriting Full underwriting. Paper applications allowed.
Up to a Table H rating
Policy Fee Payable all years
Prepay Discount Yes
Banding Band 1: $250,000-$499,999
Band 2: $500,000-$999,999
Band 3: $1,000,000 +

1Convertible prior to the end of the level premium payment period (10, 15, 20 or 30 years) or prior to insured’s attained age 70, whichever comes first. 
2Depending on health history, there is no lab work required for qualified applicants.