Determine if your client is a good candidate for Lincoln TermAccel® Level Term
Underwriting decisions are based on the information your clients provide during their online or phone interview. Give your clients a copy of our interview preparation worksheet to help ensure their interview goes smoothly. The proposed insured must be a U.S. citizen or hold a green card.
The guidelines listed aren’t meant to be all inclusive. Due to the complexity of individual medical histories, certain conditions (not listed) could still result in a decline decision. Underwriting makes decisions based on the information provided in the client interview. If you have any questions regarding qualifications based on medical history, contact your Lincoln representative.
Disqualifying conditions include:
- Alzheimer’s disease, dementia or taking medication for memory loss
- Amyotrophic lateral sclerosis (ALS), also known as Lou Gehrig’s disease
- Aneurysm
- Cancer history within 10 years, excluding basal cell or squamous cell carcinoma of the skin
- Cardiomyopathy
- Carotid artery disease
- Chronic kidney failure
- Cirrhosis of the liver
- Congestive heart failure
- Coronary artery disease
- Diabetes with a diagnosis prior to age 25
- Dialysis treatment
- Down syndrome
- Height and weight: If body mass index (BMI) is less than 16 or greater than/equal to 44*
- Hepatitis C
- HIV/AIDS
- Huntington’s disease
- Implantable defibrillator
- Muscular dystrophy
- Organ transplant recipient
- Oxygen use for any reason
- Undiagnosed medical condition that’s currently being evaluated
- Untreated severe sleep apnea