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Term Life Insurance by Top
Rated Companies
More term companies
equals the best opportunity to obtain the lowest term quote!
Offering the Largest Selection of
Top-Rated Companies Instantly!
Why is this important?
Personalized
Tele-Application for All Companies, Right Over the
Phone!
For the serious shopper who would like a seasoned
professional to assist them-
"how term life insurance
works", "return of premium term life insurance",
"no exam term life insurance" and "what is term life
insurance" will be explained on this page.
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Lincoln National
Products |
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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?
-
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
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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
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