Underwriting and New Business

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2021: The Year of Acceleration

Hear from Heather Milligan, SVP and Head of Underwriting and New Business, on what you can look forward to in 2021, including:

  • Enhanced digital capabilities
  • Electronic health record integration
  • Underwriting enhancements
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NEW! VUL Underwriting Upgrade

Effective immediately, Lincoln is offering an enhanced underwriting program to provide even more value with our suite of Lincoln VULONE product solutions. Click here to view the program. (PDF)

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Professional Advantage Program

Lincoln's Professional Advantage Program can issue a Lincoln life insurance policy up to $20 million with no exams or labs.

Digital First Strategy

Our digital-first strategy

Lincoln has the tools to allow you to do business virtually, from submission to policy delivery.
Visit our GO Digital page for more information.

Recent highlights

  • eInterview launch for Life and MoneyGuard®
  • eNIGO agent to client workflow
  • Use of electronic health records (EHR)
  • Case status communication preferences


  • What sets us apart
  • Underwriting guidelines
Large Underwriting Team

Large case underwriting team

Get big deals done with up to $60 million autobind, up to $65 million jumbo and access to reinsurance capacity for coverage in excess of $100 million.

Meet the team. (PDF)

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When to think Lincoln

Lincoln’s Underwriting team is leading-edge in medical and financial underwriting – look to us for:

  • All medical impairments – including diabetes, melanoma, hepatitis C and prostate cancer
  • Financial evaluation of your business insurance cases – including key person coverage
  • An experienced underwriting department with a breadth and depth of knowledge

And, we’ve recently updated our rating guidelines for all ages and improved our preferred and preferred plus build guidelines!