Temporary, affordable protection
Your clients want affordability and flexibility and a simple, convenient application process. Term insurance is designed to meet those needs.
Several life events drive the need for life insurance protection, including: a job change or loss, debt accumulation, change in marital status, birth of a child, the purchase of a home, or health concerns.
Get to know your clients
Younger, cost-conscious clients
They're at the start of their career and building a new family. They may live for the present and underestimate their protection needs. Despite significant earnings, they have limited disposable income.
Older, affluent clients
These budget-minded and disciplined savers may have life insurance but tend to be underinsured. They’re often focused on managing other priorities and significant career and family obligations.
Solutions to consider
- For middle market clients
- For affluent clients
Explore Lincoln TermAccel® Level Term and find competitive premiums, a streamlined purchase process, fully automated underwriting and the ability to convert to a Lincoln permanent life policy*.
Lincoln LifeElements® Level Term offers competitive premiums, faster turnaround times with the LincXpress® Tele-App process, concierge underwriting with the opportunity to waive labs for qualifying clients and the ability to convert to a Lincoln permanent life policy.*
How much life insurance does my client need?
Use this life insurance calculator to help address your client's needs and their financial situation.
Will your client's savings last a lifetime?
Our life expectancy calculator can help determine how much they'll need to provide for their family and themselves.