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