TermAccel®
Now you have an opportunity to penetrate new markets, increase sales — and get paid faster. With incredibly low prices and streamlined turnaround times, Lincoln TermAccel® offers advantages for the clients you serve:
- Easy and paperless Tele-App electronic ticket process with automated underwriting
- Lab-free underwriting with the opportunity to waive lab work if your client meets certain qualifications
- Quick approval process means cases are issued in a fraction of the time
- Guaranteed premiums that stay the same for the length of the term
Flexibility to convert to a qualifying Lincoln permanent life insurance policy for the same death benefit amount with no new underwriting required
Term Options: 10, 15, 20 and 30 Years
Issue Ages: 18-60 (Age Nearest Birthday)
Face Amounts: $100,000 to $2,500,000
Conversion Option Available
Riders Available: Accelerated Benefit Rider, Children’s Level Term Insurance Benefit Rider, Waiver of Premium Benefit Rider
Special Features: Non Tobacco rates for Non Cigarette nicotine users
Lab-free Qualification Guidelines:
- Clients ages 18–60
- Face amount: $100,000 to $1,000,000
- No major medical conditions
- Within height/weight limits
- Meets the preferred plus criteria
Nonmedical Conditions that Prompt Full Underwriting:
- Use of tobacco/nicotine products in 36 months
- History of drugs or alcohol abuse
- Parent or sibling death from cardiovascular disease or stroke before age 65
- Bankruptcy in the last 5 years
- History of DUI or distracted driving convictions in the last 5 years
- History of multiple motor vehicle violations in the last 3 years
- Felony conviction in the last 9 years and/or currently on probation or parole
- Hazardous sports activity (vacation participation or club activity is usually fine)
- Any private aviation
- Submission of a prior trial (informal) or formal application to Lincoln Financial Group within the last 12 months
Sales Tools
Audience | Document | Updated | Link |
---|---|---|---|
Producer Use Only | Forms | 01/09/2024 | Click Here |
Producer Use Only | Multi-Carrier Underwriting Guide | 04/05/2024 | Click Here |
Producer Use Only | Non-iPipeline User Training Video | 12/06/2023 | Click Here |
Producer Use Only | iPipeline User Training Video | 12/06/2023 | Click Here |
Product Resources
Audience | Document | Updated | Form Number | Link |
---|---|---|---|---|
Producer Use Only | Life Insurance Suite At-A-Glance | 12/05/2023 | LIF-SPEC-FLI001 | Click Here |
Producer Use Only | Rider Reference Guide | 12/05/2023 | LIF-RIDER-FLI001 | Click Here |
Producer Use Only | Producer FAQs | 12/06/2023 | LCN-4885933 | Click Here |
Producer Use Only | Foreign National Guidelines | 12/05/2023 | UW-FN-PDC001 | Click Here |
Producer Use Only | Underwriting Age and Amount Requirements Grid | 12/05/2023 | LCN-3667305-071221 | Click Here |
Producer Use Only | Producer Guide | 12/06/2023 | LCN-3602855 | Click Here |
Producer Use Only | Financial Underwriting Guidelines | 12/18/2023 | UW-FIN-FLI001 | Click Here |
Producer Use Only | Term Products State Availability | 12/06/2023 | LLA0805-0070 | Click Here |
Consumer Use | Consumer Guide | 12/06/2023 | TA-CLT-FLI003 | Click Here |
Consumer Use | Tele-App Phone Interview Prep | 12/06/2023 | UW-PREP-FLI001 | Click Here |
Dedicated Team
2024 fmiAgent Point Awards
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