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Lincoln PROTerm Information
Lincoln MoneyGuard
& Term Appointment Packet
- become contracted to sell Lincoln MoneyGuard, Annuities & Term products
Lincoln
Life Cover Sheet - general info
Brochure PROTerm
Q&A Underwriting
Guidelines
Lincoln PROTerm is Return of Premium term insurance to age
98 that provides 100% return of eligible premiums at the end
of the initial term period and offers generous surrender values
along the way.
Lincoln PROTerm offers:
- Competitive Surrender Values
- $65 Commissionable Policy Fee
- 15-, 20-, 25- and 30- Year Guarantees
- Maximum Issue Age up to Age 65
- Competitive Premiums in All Rate Classes
Eligible premiums include base policy premiums, the policy
fee and ROP rider premiums. Eligible premiums do not include
premiums for additional raiders, such as Waiver of Premium
and Children's Term Insurance Rider.
Lincoln PROTerm is NOT AVAILABLE in all states:
PROTerm can be sold if you already have a Lincoln Term appointment.
Lincoln PROTerm consists of a base policy and an ROP rider
that, when combined, guarantee that total premius remain level
throughout the initial term period. The ROP rider can only
be removed after one year and is strongly discouraged because
the base policy's premiums may not be level without the rider.
Premiums for the base policy and ROP rider are fully guaranteed.
e-Ticket and TeleApp will be available for your Lincoln PROTerm
business
Lincoln PROTerm initial premiums can be paid with Visa, MasterCard
or American Express. Credit card payments are not accepted
for renewal premiums and a completed credit card authorization
form (# L01-0157-G).
Lincoln PROTerm new business applications are the same applications
used for Lincoln FTO, STO and LifeStyle Select.
Lincoln PROTerm offers competitive rates along with some
of the most generous return factors and is competitive against
other ROP products.
Lincoln Life's Financial Strength Ratings
| A.M. Best |
A+ (2nd highest of 15 rankings) |
| "Excellent financial strength...strong
ability to meet their ongoing obligations to policyholders." |
| Fitch |
AA (3rd highest of 24 rankings) |
| "...high ratings reflect the company's
long-standing strong competitive position." |
| Moody's |
Aa3 (4th highest of 21 rankings) |
| "...offers excellent financial security." |
| Standard & Poor's |
AA- (4th highest of 21 rankings) |
| "...a recognized leader in the high
income market." |
Lincoln PROTerm Information
Brochure PROTerm
Q&A Underwriting
Guidelines
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