Lincoln leading-edge underwriting
Get the underwriting advantages you need from a team that goes above and beyond the standards others strive to achieve.
We are here for you with:
Competitive advantages
• NEW! Significantly improved hepatitis C guidelines and ratings. Most will qualify for standard; some preferred
• Table reduction program available for all medical impairments: Table three to standard to age 70 — up to $10 million
• Competitive preferred and preferred plus guidelines
• Nontobacco rates available for cigar, pipe, and chewing tobacco users
• NEW! Significantly improved hepatitis C guidelines and ratings. Most will qualify for standard; some preferred
• Table reduction program available for all medical impairments: Table three to standard to age 70 — up to $10 million
• Competitive preferred and preferred plus guidelines
• Nontobacco rates available for cigar, pipe, and chewing tobacco users
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.
Foreign national coverage
• More than 90 countries approved for preferred and preferred plus classes
• Term coverage available for U.S. citizens and permanent U.S. residents
• Table reduction program available to make best offers
• Autobind capacity of $25 million and jumbo limit of $35 million
LincXpress ®
• Streamlined, no-cost, Tele-App process for electronic ticket and paper ticket submissions
• Opportunity to waive labs for qualifying clients
• eDelivery for faster policy delivery