Bell & Associates | Life Insurance Specialists

800.308.BELL


01/23/2012

Big Product Changes Coming to Lincoln Financial Group Products

With the new year, Lincoln Financial Group is making quite a few changes to their UL and Term product line up. 

Effective February, 21st 2012 the following changes will be taking effect:
 - Lincoln Life Elements Level Term products - Reduced policy fees
 - Lincoln Life Guarantee UL (2012) - New Product!
 - Lincoln Life Guarantee SUL (2012) - New Product!
 - Lincoln Life Guarantee Plus UL - CLOSED to new sales
 - Lincln Duration Guarantee UL - CLOSED to new sales

Below is a link to Lincoln Financial's Lincoln Leader newsletter for January 2012.  The new product information is included along with some additional product and company information.  Please review and contact Bell & Associates regarding the transition rules for all new products and pricing.

Lincoln Leader - January 2012


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Additional Coverage with Accelerated Underwriting:

  • Available to individuals who have been fully underwritten for term insurance within the past 5 years
  • No new medical exam required
  • Available up to age 60 and $1,000,000 DB
  • Access to some of the most competitive term products in the marketplace

Unique Indexed Annuity:


  • 12% commission available
  • Extremely liquid
  • Up to 60% of Asset Value after just 30 days penalty free!
  • Built-in Accelerated Care Benefits
  • "A" rated AM Best

Simplified Issue IUL Program:


  • No medical exam (phone underwriting)
  • Targets age 40-60 clients looking for tax-free retirement income
  • Uses #1 selling indexed UL product in the country!
  • Up to $1,000,000 of coverage available!