Competitive Advantages

• No Resting EKG requirement for all ages and face amounts
• Enhanced financial underwriting guidelines for Business
  Insurance, including consideration up to 20x income for
  Key Person coverage
•  Improved guidelines for more competitive offers for
  clients with history of breast cancer, prostate cancer,
  asthma, ulcerative colitis, and atrial fibrillation
• Table reduction program available for all medical
  impairments: Table three to standard to age 70—
  up to $10 million
• Nontobacco rates available for cigar, pipe, and chewing
  tobacco users
• Significantly improved hepatitis C guidelines and ratings
  Most will qualify for standard; some preferred

Medical strength

• Preferred plus available for treated hypertension
• Preferred consideration for clients with certain types of cancers: prostate, testicular, thyroid, uterine, and cervical
• Preferred classes available to clients with a family history
  of cancer
• Personal history of diabetes may be eligible for preferred
  classes for ages 70 and up
• Cardiac—Up to four tables’ worth of favorable profile credits available. Standard rates may be available over age 70 with a history of coronary artery disease

LincXpress® Tele-App

• Streamlined, no-cost, Tele-App process for electronic ticket and paper ticket submissions
• Dedicated, in-house, Lincoln Tele-App team
• Automated underwriting and the opportunity to waive labs for qualifying clients
• eDelivery for faster policy delivery—at no cost

Quick Quote Tools

• Instantaneous, online, quick quoting tools available for UL, IUL, VUL and Lincoln LifeElements® Level Term:

– Spectra provides accurate Lincoln quotes for mildly
complex scenarios with over 200 impairments. Accessible through your Lincoln producer website

– XRAE is available for simple quotes on specific impairment scenarios. Accessible at Lincoln.XRAE.com

Special considerations for non-cigarette tobacco-using clients.

Do any of your clients suffer from high life insurance premiums simply because they enjoy cigars or pipes? Lincoln‘s dedicated customer-focused underwriting takes a client’s entire risk profile into account, which could result in a better rating and lower rates.

Lincoln offers the standard nonsmoker risk classification to tobacco-using individuals who

• Meet all standard criteria per underwriting guidelines
• Use chewing tobacco, pipe, or cigars
• May test positive for nicotine by urine sample
• Have not used cigarettes or vaped, using nicotine, or nicotine liquid, or flavored liquids, the past 12 months

Note: Marijuana is not considered a tobacco product and can qualify for nontobacco rates.

Large case capacity

Lincoln has the right products and resources to place your large cases.

Lincoln provides:

• A no-risk guarantee for reinsurance capacity review
• Access to reinsurance capacity for coverage amounts in excess of $100 million
•  An impressive $60 million autobind and $65 million jumbo limit
• Strong collaboration with our reinsurance partners on facultative submissions and complex
  case design

Significantly improved hepatitis C guidelines and ratings. Most will qualify for standard; some preferred

• More than 90 countries approved for preferred and preferred plus classes
• Term coverage available for U.S. citizens and permanent U.S. residents
• Autobind capacity of $25 million and jumbo limit of $35 million