Lincoln Financial Life Insurance Review

This term policy is ideal for those in good health looking for quick coverage that does not require lab exams. The Lincoln TermAccel Level Term is available for 10, 15, 20 or 30 years, and coverage levels range from $100,000 to $2,500,000.

Premiums are fixed for the policy term's duration, and policyholders can convert their term policy to a permanent policy when the term policy expires. Policyholders can customize their policy with various riders, including an accelerated benefits rider, children's level term rider and waiver of premium rider.

This term policy is available for applicants up to age 60. Term options vary from 10, 15, 20 or 30 years with coverage levels of up to $2.5 million. Depending on your profile, you may not need lab work and a phone interview to qualify for coverage.

Premiums are fixed for the duration of the policy term, and if you elect to continue coverage at the end of the term, premiums will increase annually. You can also convert the policy to a permanent one when it expires. Available riders include accelerated benefits rider, children's level term rider and waiver of premium rider.

With this policy, you get a death benefit plus growth potential through your choice of two indexed accounts: the S&P 500 Traditional Indexed Account or Fidelity AIM Dividend Indexed Account with Fixed Bonus. Indexed accounts have downside protection to safeguard your investment from market losses. You can also add various riders to your policy to customize your coverage.

This policy offers a death benefit plus access to cash value and growth flexibility through six indexed accounts, including Fidelity AIM Dividend Indexed Account-Fixed Bonus, Fidelity AIM Dividend Indexed Account, S&P 500 Multiplier Indexed Account, S&P 500 Fixed Bonus Indexed Account, S&P 500 Traditional Indexed Account and S&P 500 Performance Trigger Indexed Account. You can add a chronic illness protection rider to this policy.

This policy offers a long-term death benefit guarantee for up to 40 or 90 years. You also get tax-advantaged cash value growth through five indexed accounts, including Fidelity AIM Dividend Indexed Account - Fixed Bonus, Fidelity AIM Dividend Indexed Account, S&P 500 Fixed Bonus Indexed Account, S&P 500® Traditional Indexed Account and S&P 500® Performance Trigger Indexed Account. You can add optional chronic illness protection to this policy for enhanced protection.

This policy offers coverage for up to two lives under a single policy. You also get growth opportunities for cash value through six indexed accounts, including Fidelity AIM Dividend Indexed Account - Fixed Bonus, Fidelity AIM® Dividend Indexed Account, S&P 500 Multiplier Indexed Account1, S&P 500 Fixed Bonus Indexed Account, S&P 500 Traditional Indexed Account and S&P 500 Performance Trigger Indexed Account.

This policy features a guaranteed death benefit for life and various investment options to grow your cash value. You can access your cash anytime and add a chronic illness rider or long-term care expense protection to your policy.

This policy offers tax-free death benefit protection and cash value growth with supplemental income potential. You can choose from up to 75 variable investment options, four indexed account options with downside protection and a fixed account that offers predictable growth. You can adjust your investments as needed throughout the policy term and include optional riders in your policy to customize your benefits.

This policy is similar to the Lincoln AssetEdge VUL (2022), offering a tax-free death benefit and income potential through policy loans. You also have access to 75 plus variable investment options, four indexed account options and a fixed account with predictable growth. You can include an accelerated benefits rider, chronic illness or long-term care to your policy.

This policy is available to individuals and business owners. With the Lincoln AssetEdge Exec VUL (2020), you get a tax-free death benefit, tax-efficient cash value growth and supplemental income. Policyholders also get 75 plus variable investment options, four indexed account options and a fixed account. This policy includes enhanced surrender value as an automatic rider that waives all surrender charges.