term life insurance you can afford, and we're not pushy!

   888.587.8511  
 Term Life Insurance Quotes		  

 

Term Life Insurance Quotes
 
Term Life Insurance Definitions helps the buying public to become more knowledgeable of term life insurance and  permanent life insurance.

 Apply!   
       
Mon.-Fri. 9-5 ET
 Toll Free 888.587.8511 
Help: Contact Us

 Policy Owner Service Phone Numbers >>

America’s Top Rated Term Life Insurance Companies
American General | American Mayflower | Banner | Chase | Empire General | F & G | First Colony | Genworth | ING | Jefferson-Pilot | Lincoln Benefit | Lincoln National | North American | Protective | Prudential | RBC - Liberty Life | SBLI | Security Mutual | Transamerica | Union Central | U.S. Financial | West Coast | William Penn

Affordable buy online in 10 minutes from a  top rated carrier!

get a quote Health Insurance Quotes!

get a quote Disability Insurance Quotes!


Offering The Best Policy Language For Physicians From Top Rated Disability Insurance Companies!

get a quote Long Term Care Insurance Quotes!
Available From Top Rated Long Term Care Insurance Companies!



 
   


Term Life Insurance by Top Companies
 For the serious shopper who would like a seasoned professional to assist them-
Term Life Insurance Quotes     Term Life Insurance No Exam

 Offering the Largest Selection of Top-Rated Companies Instantly!  Why is this important?
 Personalized Tele-Application for All Companies, Right Over the Phone!
 More companies allows for the best opportunity to obtain the lowest term life insurance quote!

Lincoln National Products
 



Note:  Lincoln Financial Group and Jefferson Pilot Financial have Merge
Term Life America Insurance is proud to offer the Lincoln Financial Group. Solid resources backed by a combination of innovative products and service beyond expectations.


Products

Lincoln GTO... there are Great Term Options
Lincoln National Life Insurance Company's GTO is a fully guaranteed individual term life insurance providing competitive death benefit protection. With GTO, you pay the same low rate every year. Your premium is guaranteed not to change during the selected term period and your policy can never be cancelled as long as you continue to pay premiums to keep it in force.

What are the product's specifications?

  • Receive cash quickly - Your beneficiaries will receive the cash quickly, and in most cases, income tax-free. Guaranteed level premiums for your choice of 10, 15, 20, 25 and 30 years 1.
     

  • Low Rate - You pay the same low rate every year during the guaranteed period.
     

  • Guaranteed Premium - Your premium is guaranteed not to change during the selected term period and your policy can never be canceled as long as you continue to pay premiums to keep it in force. Premiums will increase annually based on your initial underwriting classification.
     

  • Renew your policy up to age 95 - After the selected term period, you can elect to continue coverage, regardless of your health, up until age 95.
     

  • Convert your GTO policy to a cash value policy - Before the end of your selected premium term period, and up to age 70, you can exchange your Lincoln GTO policy for certain individual cash value permanent life insurance products specified by Lincoln Life.
     

  • Fast issue time - If you're a healthy non-smoker and live a reasonably healthy lifestyle, chances are you'll qualify for Lincoln GTO. On average, it takes about one month for your policy to be issued. It's the easy, convenient way to secure your family's future.

 

GTO Policy Form LBT-100 Series

Lincoln National Life - GTO 10, 15, 20, 25, 30 Underwriting Guidelines
Classes Preferred Best Non-Tobacco (PBNT)
Preferred Non-Tobacco (PNT)
Standard Plus Non-Tobacco (SPNT)
Standard Non-Tobacco (SNT)
Preferred Tobacco (PT)
Standard Tobacco (ST)
Substandard ratings will also be available through 200% additional mortality. A Non-Tobacco user is anyone who has not used tobacco or nicotine-based products in the last 3 years (5 years for PBNT).
Re-entry Re-entry is available at the end of the select period. The policyholder's attained age at re-entry must not exceed the oldest issue age on the plan used for re-entry. A re-entry will be treated as a lapse and a new issue with full first year and renewal commissionspayable on the re-entered policy. The re-entered policy will be fully underwritten at the company's expense. The policyholder may choose to change the level premium period at re-entry. The policyholder's rate class at re-entry will be based on their health at re-entry (i.e., their rate class may change).

In NJ, the GTO 30 does NOT have a re-entry option.
Tobacco Definition Preferred Best Non-Tobacco
no tobacco or nicotine-based products used in the past five years

Preferred Non-Tobacco
no tobacco or nicotine-based products used in the past three years.

Special Underwriting
Features		 Preferred Best Non-Tobacco:

Cholesterol:

  • Cholesterol/HDL Ratio: 5.0
  • Cholesterol treatment: no
  • Cholesterol level with an HDL ratio of 4.5 or less must not exceed 250, otherwise 220

    Blood Pressure: untreated 140/85

    Family History (includes parents and siblings):

  • Coronary Artery Disease: No occurences prior to age 60
  • Internal Cancer or Melanoma: No occurence prior to age 60

    Aviation: No

    Avocation (hazardous): No

    Driving:

  • Moving violations: No more than 2 in the past 3 years
  • DUI/ reckless driving: None in the past 5 years

    US Residency: US resident for the past 3 years

    Citizenship: Must be a US citizen or have a permanent visa/ green card

    Travel: No travel to underdeveloped/ politically unstable countries

    Military (actiive): No

    Preferred Non-Tobacco:

    Cholesterol:

  • Cholesterol/HDL Ratio: 6.0
  • Cholesterol level with an HDL ratio of 4.5 or less must not exceed 275, otherwise 250

    Blood Pressure: untreated 150/90; treated 140/90

    Family History (includes parents and siblings):

  • Coronary Artery Disease: No deaths prior to age 60
  • Internal Cancer or Melanoma: No deaths prior to age 60

    Aviation: No

    Driving:

  • Moving violations: No more than 2 in the past 3 years
  • DUI/ reckless driving: None in the past 5 years

    US Residency: US resident for the past 3 years

    Citizenship: Must be a US citizen or have a permanent visa/ green card

    Travel: No travel to underdeveloped/ politically unstable countries

    Preferred Tobacco:

    Cholesterol:

  • Cholesterol/HDL Ratio: 6.0
  • Cholesterol level must not exceed 250

    Blood Pressure: untreated 150/90

    Family History (includes parents and siblings):

  • Coronary Artery Disease: No occurences prior to age 60
  • Internal Cancer or Melanoma: No deaths prior to age 60

    Aviation: No

    Driving:

  • Moving violations: No more than 2 in the past 3 years
  • DUI/ reckless driving: None in the past 5 years

    US Residency: US resident for the past 3 years

    Citizenship: Must be a US citizen or have a permanent visa/ green card

    Travel: No travel to underdeveloped/ politically unstable countries


    •


       
    HTML Comment Box is loading comments...


    TermLifeAmerica.com- Lewis Fink is licensed as an insurance agent offering Life Insurance in the following states: Alabama - AL    , Arkansas - AR, California - CA, Colorado - CO, Connecticut - CT, Delaware - DE, District of Columbia - DC, Florida - FL, Georgia - GA, Idaho - ID, Illinois - IL, Indiana - IN, Iowa - IA, Kansas - KS, Kentucky - KY, Louisiana - LA, Maine - ME, Maryland - MD, Massachusetts - MA, Michigan - MI, Mississippi - MS, Missouri - MO, Montana - MT, Nebraska - NE, New Mexico - NM, New Jersey - NJ, New York - NY, North Carolina - NC, North Dakota - ND, Ohio - OH, Oklahoma - OK, Pennsylvania - PA, Rhode Island - RI, South Carolina - SC, South Dakota - SD, Tennessee - TN, Texas - TX, Utah - UT, Vermont - VT, Virginia - VA, and Wisconsin - WI.  


    Not all insurance products from all insurance companies are available in all states.

    <Return To Previous Page>