Lincoln LifeStratos SM Level Term is term insurance for those seeking a policy with a death benefit of $5 million or greater. - fact sheet

Lincoln LifeElements SM Level Term is an affordable term insurance policy with guaranteed level premiums for your clients' choice of 10, 15, 20, or 30 years. Streamlined underwriting process and a number of riders to choose from - fact sheet

Lincoln GTO Term Insurance - a competitive term life rate policy AVAILABLE. Offer your clients a low-cost term insurance policy from a HIGHLY rated insurance carrier

Lincoln GTO Term is available in all 50 states except NY. In NY, Lincoln Life & Annuity Company of New York offers the GTO product to residents of New York. Most competitive term rates in NY and all other states.

Van Albanese CLU, ChFC (MoneyGuard/Term New Business Applications & Tracking):
1-877-341-3342 & fax: (315) 655-4784
link to Lincoln National Life forms

Premiums To Age 95

After the guaranteed level premium period, premiums will increase annually to age 95. For premiums after the guaranteed level premium period, please refer to a sales proposal or consult your general agent.

Illustrations

The GTO has been filed as a non-illustrated policy form with the states that have adopted the NAIC Illustration Regulation. This means that you can quote any rate found in this rate card to your client without providing an illustration. However, our illustration software can still provide you with a Guaranteed Maximum Premium Proposal, if desired

Minimum face amount $100,000

GTO premiums are separated into three face amount rate bands:

Band 1: $100,000-$249,999
Band 2: $250,000-$999,999
Band 3: $1,000,000 and higher

Premium Payment Frequency

Premiums may be paid annually, semi-annually, quarterly or monthly. Non-annual modal premiums include an additional cost which takes into consideration addtional administrative processing, the time value of money and lapse assumptions related to non-annual modal premium payments. the totaly yearly premium will be higher if a non-annual mode is selected by the policyholder

Modal Factors:
Semi-Annual .510; Quarterly .295; Monthly PAC .087

Additional Product Features:

• Waiver of Premium Rider
• Childrens Term Insurance Rider
• Accelerated Death Benefit Rider

Client Product Specifications:

• Receive Cash Quickly - beneficiaries will receive the cash quickly, and in most cases income tax-free. Guaranteed level premiums for your choice of 10,15, 20, 25 and 30 years.
• Low Rate - pay the same rate every year during the guaranteed period.
• Guaranteed Premium - premium is guaranteed not to change during the selected term period and your policy can never be canceled as long as you continue to pay premiums to keep it in force. Premiums will increase annually based on your initial underwriting classification.
• Renew Policy Up To Age 95 - after the selected term period, you can elect to continue coverage, regardless of your health, up until age 95.
• Covert GTO Policy to a Cash Value Policy - before the end of your selected premium term period, and up to age 70, you can exchange your Lincoln GTO policy for certain individual cash value permanent life insurance products specificed by Lincoln Life.
• Fast Issue Time - if you're a healthy non-smoker and live a reasonably healthy lifestyle, changes are you'll qualify for Lincoln GTO. On average, it takes about one month for your policy to be issued. It's the easy, convenient way to secure your family's future.
• GTO Policy Form - LBT-100 Series

Lincoln Life's Financial Strength Ratings