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Go from selling to sold
faster than ever before

Simplifying life for you and your clients

Providing a superior customer experience is important to us, so we’ve simplified the experience of purchasing Lincoln permanent life insurance and Lincoln LifeElements® Level Term policies — for all ages and face amounts — with LincXpress® ticket submission.

You have two ticket submission options for the Life insurance product portfolio (Lincoln LifeElements® Level Term, UL, SUL, SIUL, IUL, VUL, SVUL):

  • eTicket submission
  • Paper ticket submission

Save time and give your clients excellent customer service without having to manage their experience.

Step 1: Ticket Submission and Client Interview
  • eTicket and paper ticket available
  • Online (eInterview) or phone (Tele-App) client interview for application completion
  • After the ticket has been received by Lincoln, an email will be sent to the client with a link to begin their online interview or schedule their phone interview.
  • If the client selects a phone interview, it will be conducted by a dedicated in-house Lincoln Tele-App team member. This interview is available in English only.
Step 2: Underwriting
  • Lincoln confirms client identification through Rx, Dx, MVR, and MIB query

  • Automated underwriting
    Product:     Single-life UL, IUL, VUL and Lincoln LifeElements® Level Term
    Coverage amounts: $2,500,000 or less
    Ages: 18–60
    OR 
    Traditional underwriting
    Product:     Single-life UL, IUL, VUL and Lincoln LifeElements® Level Term
    Coverage amounts: Over $2,500,000
    Ages: 61+

    Products: Lincoln SUL, SIUL, and SVUL
    Coverage amounts: All
    Ages: All

  • For clients ages 18-60 with face amounts $2,500,000 or less, based on information obtained from the client interview and query search, your client may qualify to have labs waived. If not, Lincoln will order lab work (physical measurements and fluid (blood/urine) exam).
  • A real-time offer may be available for qualifying clients.
Step 3: Policy Delivery
  • If approved, you choose how you want the policy delivered – eDelivery or digital PDF delivery

Benefits of eDelivery: 

  • provides same-day access for client delivery at no cost
  • 24/7 access to view policies
  • expedited compensation payouts