LifeElements® Term

Term Options: 10, 15, 20 and 30 Years

Issue Ages: (Age Nearest Birthday)

  • 10 Year: 18-80
  • 15 Year: 18-75 (18-70 Tobacco Classes)
  • 20 Year: 18-70 (18-65 Tobacco Classes)
  • 30 Year: 18-55 (18-50 Tobacco Classes)

Minimum Face Amount: $250,000

Conversion Option Available

Riders Available: Accelerated Benefit Rider, Children’s Level Term Insurance Benefit Rider, Waiver of Premium Benefit Rider

Special Feature: Non Tobacco rates for Non Cigarette nicotine users

Sales Tools

AudienceDocumentUpdatedLink
Advisor Use OnlyForms06/09/2026Click Here
Advisor Use OnlyMulti-Carrier Underwriting Guide06/10/2026Click Here

Product Resources

AudienceDocumentUpdatedForm NumberLink
Consumer UseConsumer Brochure11/17/2025LE-CLT-FLI001Click Here
Advisor Use OnlyLife Insurance Suite At-A-Glance11/12/2025LIF-SPEC-FLI001Click Here
Advisor Use OnlyRider Reference Guide11/17/2025LCN-7944670Click Here
Advisor Use OnlyAdvisor Guide11/17/2025LCN-5052655Click Here
Advisor Use OnlyLincXpress Tele-App Process Microsite11/17/2025UW-LX-IDE001Click Here
Advisor Use OnlyForeign National Guidelines11/17/2025UW-FN-PDC001Click Here
Advisor Use OnlyLincXpress Lab-Free Underwriting Pre-Qualification Guidelines11/17/2025UW-NOLAB-FLI001Click Here
Advisor Use OnlyFinancial Underwriting Guidelines11/17/2025UW-FIN-FLI001Click Here
Advisor Use OnlySpecimen Policy (10 Year)11/17/2025TRM6063Click Here
Advisor Use OnlySpecimen Policy (15 Year)11/17/2025TRM6063Click Here
Advisor Use OnlyTerm Products State Availability11/17/2025LLA0805-0070Click Here
Advisor Use OnlySpecimen Policy (20 Year)11/17/2025TRM6063Click Here
Advisor Use OnlySpecimen Policy (30 Year)11/17/2025TRM6063Click Here

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