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Lincoln Financial

  Lincoln National Life Insurance Company was founded in Fort Wayne, Indiana on June 12, 1905.  

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In its first six years in operation, The Lincoln National Life Insurance Company assumed a respected position of expertise among fellow insurers and regulators. In 1911, Lincoln Life reported $6.5 million of life insurance in force with $250,000 in premium income and $750,000 in assets.

The company underwent the most dramatic transformation in the last 20 years. Lincoln National Corporation realigned its business operations, divested its property casualty and reinsurance operations, acquired Delaware Investments and added life and annuity operations from CIGNA and Aetna. In 2006, Lincoln merged with Jefferson Pilot Financial, solidifying the company as one of the largest, most enduring and fiscally sound financial services organizations in the United States.

Lincoln Financial Insurance Brokerage Products And Services

  Lincoln Financial offers a wide range of products and services designed to fit your client.

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Affordable life insurance protection from a name you can trust

Is Lincoln LifeElementsSM Level Term right for you?

  • Do you have a temporary need for insurance protection?
  • Are you looking for affordable death benefit protection?
  • Do you have the need for short-term protection with the potential to convert to long-term protection in the future?

If you answered "yes" to any of these questions, Lincoln LifeElementsSM Level Term may be right for you.

What is Lincoln LifeElementsSM Level Term?

Lincoln LifeElementsSM Level Term is a term insurance policy with guaranteed level premiums for your choice of 10, 15, 20, or 30 years. (30-Year Term is not available in Maryland)

That means that you pay the same low rate every year, and your premium is guaranteed not to change during the selected premium period. Plus, your policy is guaranteed not to be cancelled as long as you continue to pay premiums to keep it in-force.

Renewing your policy

After the selected term period, you can elect to continue coverage up until age 95. Premiums will increase annually based on your initial underwriting classification.

Covering your changing needs

Before the end of your level term period, or to attained age 70, whichever is earlier, you can convert

Lincoln LifeElementsSM Level Term policy to a permanent life insurance policy that Lincoln makes

available, without going through the underwriting process again.

Product Specifications:

Level Premium Guarantee Period:

Guaranteed Level Premium Periods: 10, 15, 20, or 30 years.  The premium scale will be guaranteed for the entire level premium period: 10, 15, 20 or 30 years. After the level premium period, premiums will increase annually until age 95. (30-Year Term is not available in Maryland)

Minimum Face Amount: $250,000

Maximum Face Amount: Subject to individual consideration.

Policy Fees: $125 annually, payable in all years.

Issue Ages        

  Nationwide Washington Maryland
10-Year Term: Non Tobacco Classes 18 - 75 18 - 70 18 - 75
10-Year Term: Tobacco Classes 18-75 18 - 70 18 - 70
15-Year Term: 18 - 60 18 - 65 18 - 60
20-Year Term: Non Tobacco Classes 18 - 60 18 - 60 18 - 50
20-Year Term: Tobacco Classes 18 - 60 18 - 60 19 - 40
30-Year Term: Non Tobacco Class 18 - 50 18 - 50 Not Available
30-Year Term: Tobacco Class 19- 45 18 - 45 Not Available
(30-Year Term is not available in Maryland)

Supplemental Benefits:

Waiver of Premium Rider: Available at an additional cost, waives premium payments during the disability period of an insured who becomes totally disabled. Not available with the Disability Income Rider
Children's Level Term Insurance Rider: Available at an additional cost, provides level term coverage for all children of the insured.
Accelerated Benefit Rider: Pays out a portion of the death benefit if you were to develop a terminal illness likely to result in death within 6 months.

Important disclosures. Please read.

Lincoln LifeElementsSM Level Term is issued on policy form TRM5065 and state variations by The Lincoln National Life Insurance Company, Fort Wayne, IN.   Contractual obligations are backed by the claims-paying ability of The Lincoln National Life Insurance Company.

Lincoln Financial Group is the marketing name for Lincoln National Corporation and its affiliates.

Product and features are subject to state availability.

This material was prepared to support the promotion and marketing of a life insurance product. Lincoln Financial Group affiliates, their distributors, and their respective employees, representatives, and/or insurance agents do not provide tax, accounting, or legal advice. Any tax statements contained herein were not intended or written to be used, and cannot be used for the purpose of avoiding U.S. federal, state, or local tax penalties. Please consult your own independent advisor as to any tax, accounting, or legal statements made herein.

Universal Life


Term Life

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Fixed Annuities

Discover the security of a trusted retirement planning tool - a Lincoln Fixed Annuity.

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Lincoln National Life Insurance Company
Address1 1300 S. Clinton St.
Address2 -
City Fort Wayne
State IN
Zip 46802
Phone Number 800-454-6265
Fax Number -

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A Tale Of Two Agents

Captive Agent

An agent working exclusively for a single firm. He or she is obliged to submit business only to that firm, or at least give that firm first rights of refusal on the case.

Captive agents that are non-established are usually paid on a combination of salary and commissions earned from selling the policy contract. Also, the firm usually provides its captive agents with an allowance for office expenses as well as employee benefits such as pensions, life insurance, and health insurance. 

The established captive agent is usually paid exclusively on a commission basis.  This type of agent will tend to have more in-depth knowledge of that firm's policies, however, he or she will hardly ever be equipped to offer the industries' best price on any particular product offering.

Independent Agent Broker

Simply said, independent agents are appointed to sell policies from many insurers. The agent is independent from all insurers thus, the independent brokerage agent's responsibility is solely focused on evaluating the client's needs and the pricing of the product chosen.

While searching for the brokerage market's best place for a client's business, independent agents pay all their own expenses and keep their own records and earn their income from brokerage commissions on the policies they sell.

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