Lincoln – TermAccel and LincXpress Face Amounts Increased and Lab Free Considerations


Effective on March 28, 2022

Over the last several years, Lincoln’s Underwriting & New Business department has significantly ramped up new technological capabilities to improve the speed, accuracy, and efficiency of their processes, from new business submission all the way through policy delivery.


Product Update

  • The maximum face amount for Lincoln TermAccel cases will increase to $2.5 million (up from $1 million)

Process Updates

  • For all LincXpress (Term, UL, IUL, VUL) and Lincoln TermAccel ticket submissions ages 18-60:
    • Automated Underwriting and Lab-Free consideration will be expanded to face amounts through $2.5 million (up from $1 million), and
    • Medical Claims Data (Dx) will now be leveraged on cases through $2.5 million to enable quicker underwriting decisions while reducing the need for Attending Physician


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