Get Term Insurance
LINCOLN LIFEELEMENTS® LEVEL TERM (2010)
affordable life insurance protection from a name you can trust
Is Lincoln LifeElements®Level Term (2010) right for you?
Do you have a temporary need for insurance protection?
Are you looking for affordable death benefit protection?
Do you have the need for short-term protection with the potential to convert to long-term protection in the future?
If you answered "yes" to any of these questions, Lincoln LifeElements® Level Term (2010) may be right for you.
How Do I Get Term Insurance?
What is Lincoln LifeElements® Level Term (2010)?
Lincoln LifeElements®Level Term (2010) is a term insurance policy with guaranteed level premiums for your choice of 10, 15, 20, or 30 years.
That means that you pay the same low rate every year, and your premium is guaranteed not to change during the selected premium period. Plus, your policy is guaranteed not to be cancelled as long as you continue to pay premiums to keep it in-force.
Renewing your policy
After the selected term period, you can elect to continue coverage up until age 95. Premiums will increase annually based on your initial underwriting classification.
Covering your changing needs
Before the end of your level term period, or to attained age 70, whichever is earlier, you can convert your Lincoln LifeElements® Level Term (2010) policy to a permanent life insurance policy that Lincoln makes available, without going through the underwriting process again.
Product Specifications:
Level Premium Guarantee Period:
Guaranteed Level Premium Periods: 10, 15, 20, or 30 years. The premium scale will be guaranteed for the entire level premium period: 10, 15, 20 or 30 years. After the level premium period, premiums will increase annually until age 95.
Minimum Face Amount: $250,000
Maximum Face Amount: Subject to individual consideration.
Policy Fees: $125 annually, payable in all years.
Issue Ages
10-Year Term: Non Tobacco Classes
Nationwide 18 - 75
Washington and New York 18 - 70
10-Year Term: Tobacco Classes
Nationwide 18-75
Washington and New York 18 - 70
15-Year Term:
Nation Wide 18 - 60
Washington and New York 18 - 65
20-Year Term: Non Tobacco Classes
Nationwide 18 - 60
Washington and New York 18 - 60
20-Year Term: Tobacco Classes
Nationwide 18 - 60
Washington and New York 18 - 60
30-Year Term: Non Tobacco Class
Nationwide 18 - 50
New York and Washington 18 - 50
30-Year Term: Tobacco Class
Nationwide 19- 45
New York and Washington 18 - 45
Supplemental Benefits:
Waiver of Premium Rider: Available at an additional cost, waives premium payments during the disability period of an insured who becomes totally disabled.
Children's Level Term Insurance Rider: Available at an additional cost, provides level term coverage for all children of the insured.
Accelerated Benefit Rider: Pays out a portion of the death benefit if you were to develop a terminal illness likely to result in death within 6 months.
If you are interested in learning more about term insurance, please Contact Us!
affordable life insurance protection from a name you can trust
Is Lincoln LifeElements®Level Term (2010) right for you?
Do you have a temporary need for insurance protection?
Are you looking for affordable death benefit protection?
Do you have the need for short-term protection with the potential to convert to long-term protection in the future?
If you answered "yes" to any of these questions, Lincoln LifeElements® Level Term (2010) may be right for you.
How Do I Get Term Insurance?
What is Lincoln LifeElements® Level Term (2010)?
Lincoln LifeElements®Level Term (2010) is a term insurance policy with guaranteed level premiums for your choice of 10, 15, 20, or 30 years.
That means that you pay the same low rate every year, and your premium is guaranteed not to change during the selected premium period. Plus, your policy is guaranteed not to be cancelled as long as you continue to pay premiums to keep it in-force.
Renewing your policy
After the selected term period, you can elect to continue coverage up until age 95. Premiums will increase annually based on your initial underwriting classification.
Covering your changing needs
Before the end of your level term period, or to attained age 70, whichever is earlier, you can convert your Lincoln LifeElements® Level Term (2010) policy to a permanent life insurance policy that Lincoln makes available, without going through the underwriting process again.
Product Specifications:
Level Premium Guarantee Period:
Guaranteed Level Premium Periods: 10, 15, 20, or 30 years. The premium scale will be guaranteed for the entire level premium period: 10, 15, 20 or 30 years. After the level premium period, premiums will increase annually until age 95.
Minimum Face Amount: $250,000
Maximum Face Amount: Subject to individual consideration.
Policy Fees: $125 annually, payable in all years.
Issue Ages
10-Year Term: Non Tobacco Classes
Nationwide 18 - 75
Washington and New York 18 - 70
10-Year Term: Tobacco Classes
Nationwide 18-75
Washington and New York 18 - 70
15-Year Term:
Nation Wide 18 - 60
Washington and New York 18 - 65
20-Year Term: Non Tobacco Classes
Nationwide 18 - 60
Washington and New York 18 - 60
20-Year Term: Tobacco Classes
Nationwide 18 - 60
Washington and New York 18 - 60
30-Year Term: Non Tobacco Class
Nationwide 18 - 50
New York and Washington 18 - 50
30-Year Term: Tobacco Class
Nationwide 19- 45
New York and Washington 18 - 45
Supplemental Benefits:
Waiver of Premium Rider: Available at an additional cost, waives premium payments during the disability period of an insured who becomes totally disabled.
Children's Level Term Insurance Rider: Available at an additional cost, provides level term coverage for all children of the insured.
Accelerated Benefit Rider: Pays out a portion of the death benefit if you were to develop a terminal illness likely to result in death within 6 months.
If you are interested in learning more about term insurance, please Contact Us!