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Case consultation

To request underwriting review for a case, send the following to your Lincoln representative or email the information to BusinessInsuranceSolutions@LFD.com:

  • MultiLife Fact Finder (form LIF-QUES-FLI001)
  • Census Include the name, date of birth, gender, occupation, title, salary, smoker status, death benefit amount and premium amount for each participant. If you need a census template or additional instructions, contact your Lincoln representative.
  • Plan design and strategy You can discuss the details of the case with the Lincoln Business Insurance Solutions team to provide clarity on the purpose of the coverage, policy ownership, death benefit amounts and premium structure.
An outdoor photo of senior parents with their adult children and their spouses  Everyone is smiling and laughing
 

How to Request Underwriting

Let’s look at how you can request an underwriting review for your GI and SI cases.

Case consideration and offer process

The Lincoln Business Insurance Solutions team and experienced underwriters provide the resources and consultation to guide your GI/SI cases through this process from design to completion.

Icon of a person in a magnifying glass, representing case consultation Blueprint icon, representing design

Design

The Business Insurance Solutions team works with you to finalize the plan design to meet the needs of
your client.

Icon of paper with magnifying glass, representing case review

Final case review/offer

Our underwriting team will review your information. If no additional information is required and the case is suitable for Guaranteed Issue or Simplified Issue Underwriting, you will receive a written offer letter. The offer letter must be received prior to any application submission.

Icon of a group of people, representing the Business Insurance Solutions team

New business processing

The Business Insurance Solutions team continues to assist you to ensure the appropriate paperwork is completed and sent to the Lincoln New Business team.

Financial underwriting guideline considerations

  • There may be additional financial requirements specific to each plan. Your Lincoln Business Insurance Solutions team can provide more information.
  • Underwriters have discretion in determining the appropriate amount of coverage, depending on case specifications.
GraphicLine GraphicLine

©2022 Lincoln National Corporation

Lincoln Financial Group is the marketing name for Lincoln National Corporation and its affiliates, including The Lincoln National Life Insurance Company, Fort Wayne, IN, and Lincoln Life & Annuity Company of New York, Syracuse, NY. Variable products distributed by broker-dealer/affiliate Lincoln Financial Distributors, Inc., Radnor, PA. Securities and investment advisory services offered through other affiliates. Affiliates are separately responsible for their own financial and contractual obligations.

For financial professional use only. Not for use with the public.

LCN-3502107-032221
4/21 Z01
Order code: LIF-MULTI-IDE001

Polygon

Not a deposit

Not FDIC-insured

Not insured by any federal government agency

Not guaranteed by any bank or savings association

May go down in value

Lincoln Financial Group Logo
 
 

FAQs

We’ve collected the most frequently asked questions and answered them here.

Is it possible to have add-ons?

Yes. However, add-ons to existing groups require review. When requesting a participant addition, the case must still be reflective of the original offer letter (number of lives, plan design, etc.).

Is there anyone who will not qualify for GI/SI Underwriting?

Yes, GI/SI Underwriting is not available for:

  • Religious organizations
  • Unions, associations, fraternal organizations and government entities
  • Charities taking out policies on the lives of their members or donors
  • Professional athletes

Are reinstatements allowed?

Yes. Reinstatements of GI or SI business follow normal underwriting guidelines that apply to fully underwritten business.

What about increases?

A maximum yearly increase of 20% of the face amount initial specified amount, up to the amount stated in the offer letter, is allowed. Any lives not included in the original census applying for an increase must be documented.

To request an increase, submit:

  • A new GI or SI application from the policyowner
  • A copy of the original offer letter, stating increases are permitted
  • An underwriter must sign off to ensure that the change adheres to the program guidelines as specified in the original offer letter
 

Resources

Our MultiLife Business Solutions can help you identify and find solutions for your business clients’ targeted needs with a dedicated sales team to help guide you through the process.

This tool is designed to help you identify and gather information to facilitate Guaranteed Issue and Simplified Issue (GI/SI) Underwriting cases for businesses that want to cover multiple lives.

See how an executive bonus plan can be a simple way to provide enhanced benefits to a select group of key employees.

Learn about how you can offer a Lincoln life insurance policy up to $20 million with no exams or labs.

Reach success in Specialty Markets, a largely untapped area of growth. Explore the possibilities and see how our experience and products can give you an edge.

See how you can grow your business with Lincoln’s Specialty Markets sweet spots.

For full resources, visit LFG.com/SpecialtyMarkets

 

Questions?

For specialized case design, consultation and illustration support, contact your MultiLife Business Solutions team at 800-832-5372, option 2.

You may email the presale questionnaire and census to your Lincoln representative or send to BusinessInsuranceSolutions@LFD.com.

Michael Deaton

Business Insurance Consultant

Michael.Deaton@LFD.com

336-691-4923


Danielle Pagán

Business Insurance Consultant

Danielle.Pagan@LFD.com

571-733-4286

Jacob Fulkerson

Case Design

Jacob.Fulkerson@LFD.com

336-691-3235

 
 

FAQs

We’ve collected the most frequently asked questions and answered them here.

Is it possible to have add-ons?

Yes. However, add-ons to existing groups require review. When requesting a participant addition, the case must still be reflective of the original offer letter (number of lives, plan design, etc.).

Is there anyone who will not qualify for GI/SI Underwriting?

Yes, GI/SI Underwriting is not available for:

  • Religious organizations
  • Unions, associations, fraternal organizations and government entities
  • Charities taking out policies on the lives of their members or donors
  • Professional athletes

Are reinstatements allowed?

Yes. Reinstatements of GI or SI business follow normal underwriting guidelines that apply to fully underwritten business.

What about increases?

A maximum yearly increase of 20% of the face amount initial specified amount, up to the amount stated in the offer letter, is allowed. Any lives not included in the original census applying for an increase must be documented.

To request an increase, submit:

  • A new GI or SI application from the policyowner
  • A copy of the original offer letter, stating increases are permitted
  • An underwriter must sign off to ensure that the change adheres to the program guidelines as specified in the original offer letter
 

Resources

Our MultiLife Business Solutions can help you identify and find solutions for your business clients’ targeted needs with a dedicated sales team to help guide you through the process.

This tool is designed to help you identify and gather information to facilitate Guaranteed Issue and Simplified Issue (GI/SI) Underwriting cases for businesses that want to cover multiple lives.

See how an executive bonus plan can be a simple way to provide enhanced benefits to a select group of key employees.

Learn about how you can offer a Lincoln life insurance policy up to $20 million with no exams or labs.

Reach success in Specialty Markets, a largely untapped area of growth. Explore the possibilities and see how our experience and products can give you an edge.

See how you can grow your business with Lincoln’s Specialty Markets sweet spots.

For full resources, visit LFG.com/SpecialtyMarkets

 

Questions?

For specialized case design, consultation and illustration support, contact your MultiLife Business Solutions team at 800-832-5372, option 2.

You may email the presale questionnaire and census to your Lincoln representative or send to BusinessInsuranceSolutions@LFD.com.

Michael Deaton

Business Insurance Consultant

Michael.Deaton@LFD.com

336-691-4923


Danielle Pagán

Business Insurance Consultant

Danielle.Pagan@LFD.com

571-733-4286

Jacob Fulkerson

Case Design

Jacob.Fulkerson@LFD.com

336-691-3235

Case consultation

To request underwriting review for a case, send the following to your Lincoln representative or email the information to BusinessInsuranceSolutions@LFD.com:

  • MultiLife Fact Finder (form LIF-QUES-FLI001)
  • Census Include the name, date of birth, gender, occupation, title, salary,
    smoker status, death benefit amount and premium amount for each
    participant. If you need a census template or additional instructions, contact
    your Lincoln representative.
  • Plan design and strategy You can discuss the details of the case with the Lincoln Business Insurance Solutions team to provide clarity on the purpose of the coverage, policy ownership, death benefit amounts and premium structure.
An outdoor photo of senior parents with their adult children and their spouses  Everyone is smiling and laughing
 

How to Request Underwriting

Let’s look at how you can request an underwriting review for your GI and SI cases.

Case consideration and offer process

The Lincoln Business Insurance Solutions team and experienced underwriters provide the resources and consultation to guide your GI/SI cases through this process from design to completion.

Icon of a person in a magnifying glass, representing case consultation Blueprint icon, representing design

Design

The Business Insurance Solutions team works with you to finalize the plan design to meet the needs of your client.

Icon of paper with magnifying glass, representing case review

Final case review/offer

Our underwriting team will review your information. If no additional information is required and the case is suitable for Guaranteed Issue or Simplified Issue Underwriting, you will receive a written offer letter. The offer letter must be received prior to any application submission.

Icon of a group of people, representing the Business Insurance Solutions team

New business processing

The Business Insurance Solutions team continues to assist you to ensure the appropriate paperwork is completed and sent to the Lincoln New Business team.

Financial underwriting guideline considerations

  • There may be additional financial requirements specific to each plan. Your Lincoln Business Insurance Solutions team can provide more information.
  • Underwriters have discretion in determining the appropriate amount of coverage, depending on case specifications.
 
GraphicLine GraphicLine

©2022 Lincoln National Corporation

Lincoln Financial Group is the marketing name for Lincoln National Corporation and its affiliates, including The Lincoln National Life Insurance Company, Fort Wayne, IN, and Lincoln Life & Annuity Company of New York, Syracuse, NY. Variable products distributed by broker-dealer/affiliate Lincoln Financial Distributors, Inc., Radnor, PA. Securities and investment advisory services offered through other affiliates. Affiliates are separately responsible for their own financial and contractual obligations.

For financial professional use only. Not for use with the public.

LCN-3502107-032221
4/21 Z01
Order code: LIF-MULTI-IDE001

Polygon

Not a deposit

Not FDIC-insured

Not insured by any federal government agency

Not guaranteed by any bank or savings association

May go down in value

Lincoln Financial Group Logo
 
 

FAQs

We’ve collected the most frequently asked questions and answered them here.

Is it possible to have add-ons?

Yes. However, add-ons to existing groups require review. When requesting a participant addition, the case must still be reflective of the original offer letter (number of lives, plan design, etc.).

Is there anyone who will not qualify for GI/SI Underwriting?

Yes, GI/SI Underwriting is not available for:

  • Religious organizations
  • Unions, associations, fraternal organizations and government entities
  • Charities taking out policies on the lives of their members or donors
  • Professional athletes

Are reinstatements allowed?

Yes. Reinstatements of GI or SI business follow normal underwriting guidelines that apply to fully underwritten business.

What about increases?

A maximum yearly increase of 20% of the face amount initial specified amount, up to the amount stated in the offer letter, is allowed. Any lives not included in the original census applying for an increase must be documented.

To request an increase, submit:

  • A new GI or SI application from the policyowner
  • A copy of the original offer letter, stating increases are permitted
  • An underwriter must sign off to ensure that the change adheres to the program guidelines as specified in the original offer letter
 

Resources

Our MultiLife Business Solutions can help you identify and find solutions for your business clients’ targeted needs with a dedicated sales team to help guide you through the process.

This tool is designed to help you identify and gather information to facilitate Guaranteed Issue and Simplified Issue (GI/SI) Underwriting cases for businesses that want to cover multiple lives.

See how an executive bonus plan can be a simple way to provide enhanced benefits to a select group of key employees.

Learn about how you can offer a Lincoln life insurance policy up to $20 million with no exams or labs.

Reach success in Specialty Markets, a largely untapped area of growth. Explore the possibilities and see how our experience and products can give you an edge.

See how you can grow your business with Lincoln’s Specialty Markets sweet spots.

For full resources, visit LFG.com/SpecialtyMarkets

 

Questions?

For specialized case design, consultation and illustration support, contact your MultiLife Business Solutions team at 800-832-5372, option 2.

You may email the presale questionnaire and census to your Lincoln representative or send to BusinessInsuranceSolutions@LFD.com.

Michael Deaton

Business Insurance Consultant

Michael.Deaton@LFD.com

336-691-4923


Danielle Pagán

Business Insurance Consultant

Danielle.Pagan@LFD.com

571-733-4286

Jacob Fulkerson

Case Design

Jacob.Fulkerson@LFD.com

336-691-3235

Case consultation

To request underwriting review for a case, send the following to your Lincoln representative or email the information to BusinessInsuranceSolutions@LFD.com:

  • MultiLife Fact Finder
    (form LIF-QUES-FLI001)
  • Census Include the name, date of birth, gender, occupation, title, salary, smoker status, death benefit amount and premium amount for each participant. If you need a census template or additional instructions, contact your Lincoln representative.
  • Plan design and strategy You can discuss the details of the case with the Lincoln Business Insurance Solutions team to provide clarity on the purpose of the coverage, policy ownership, death benefit amounts and premium structure.
An outdoor photo of senior parents with their adult children and their spouses  Everyone is smiling and laughing
 

How to Request Underwriting

Let’s look at how you can request an underwriting review for your GI and SI cases.

Case consideration and offer process

The Lincoln Business Insurance Solutions team and experienced underwriters provide the resources and consultation to guide your GI/SI cases through this process from design to completion.

Icon of a person in a magnifying glass, representing case consultation Blueprint icon, representing design

Design

The Business Insurance Solutions team works with you to finalize the plan design to meet the needs of your client.

Icon of paper with magnifying glass, representing case review

Final case review/offer

Our underwriting team will review your information. If no additional information is required and the case is suitable for Guaranteed Issue or Simplified Issue Underwriting, you will receive a written offer letter. The offer letter must be received prior to any application submission.

Icon of a group of people, representing the Business Insurance Solutions team

New business processing

The Business Insurance Solutions team continues to assist you to ensure the appropriate paperwork is completed and sent to the Lincoln New Business team.

Financial underwriting guideline considerations

  • There may be additional financial requirements specific to each plan. Your Lincoln Business Insurance Solutions team can provide more information.
  • Underwriters have discretion in determining the appropriate amount of coverage, depending on case specifications.
 
GraphicLine

Lincoln Financial Group is the marketing name for Lincoln National Corporation and its affiliates, including The Lincoln National Life Insurance Company, Fort Wayne, IN, and Lincoln Life & Annuity Company of New York, Syracuse, NY. Variable products distributed by broker-dealer/affiliate Lincoln Financial Distributors, Inc., Radnor, PA. Securities and investment advisory services offered through other affiliates. Affiliates are separately responsible for their own financial and contractual obligations.

For financial professional use only.
Not for use with the public.

©2022 Lincoln National Corporation

LCN-3502107-032221
4/21 Z01
Order code: LIF-MULTI-IDE001

Lincoln Financial Group Logo
Polygon

Not a deposit

Not FDIC-insured

Not insured by any federal government agency

Not guaranteed by any
bank or savings association

May go down in value

 
 

FAQs

We’ve collected the most frequently asked questions and answered them here.

Is it possible to have add-ons?

Yes. However, add-ons to existing groups require review. When requesting a participant addition, the case must still be reflective of the original offer letter (number of lives, plan design, etc.).

Is there anyone who will not qualify for GI/SI Underwriting?

Yes, GI/SI Underwriting is not available for:

  • Religious organizations
  • Unions, associations, fraternal organizations and government entities
  • Charities taking out policies on the lives of their members or donors
  • Professional athletes

Are reinstatements allowed?

Yes. Reinstatements of GI or SI business follow normal underwriting guidelines that apply to fully underwritten business.

What about increases?

A maximum yearly increase of 20% of the face amount initial specified amount, up to the amount stated in the offer letter, is allowed. Any lives not included in the original census applying for an increase must be documented.

To request an increase, submit:

  • A new GI or SI application from the policyowner
  • A copy of the original offer letter, stating increases are permitted
  • An underwriter must sign off to ensure that the change adheres to the program guidelines as specified in the original offer letter

Resources

Our MultiLife Business Solutions can help you identify and find solutions for your business clients’ targeted needs with a dedicated sales team to help guide you through the process.

This tool is designed to help you identify and gather information to facilitate Guaranteed Issue and Simplified Issue (GI/SI) Underwriting cases for businesses that want to cover multiple lives.

See how an executive bonus plan can be a simple way to provide enhanced benefits to a select group of key employees.

Learn about how you can offer a Lincoln life insurance policy up to $20 million with no exams or labs.

Reach success in Specialty Markets, a largely untapped area of growth. Explore the possibilities and see how our experience and products can give you an edge.

See how you can grow your business with Lincoln’s Specialty Markets sweet spots.

For full resources, visit LFG.com/SpecialtyMarkets

 

Questions?

For specialized case design, consultation and illustration support, contact your MultiLife Business Solutions team at 800-832-5372, option 2.

You may email the presale questionnaire and census to your Lincoln representative or send to BusinessInsuranceSolutions@LFD.com.

Michael Deaton

Business Insurance Consultant

Michael.Deaton@LFD.com

336-691-4923


Danielle Pagán

Business Insurance Consultant

Danielle.Pagan@LFD.com

571-733-4286


Jacob Fulkerson

Case Design

Jacob.Fulkerson@LFD.com

336-691-3235

 
 

Case consultation

To request underwriting review for a case, send the following to your Lincoln representative or email the information to BusinessInsuranceSolutions@LFD.com:

  • MultiLife Fact Finder (form LIF-QUES-FLI001)
  • Census Include the name, date of birth, gender, occupation, title, salary, smoker status, death benefit amount and premium amount for each participant. If you need a census template or additional instructions, contact your Lincoln representative.
  • Plan design and strategy You can discuss the details of the case with the Lincoln Business Insurance Solutions team to provide clarity on the purpose of the coverage, policy ownership, death benefit amounts and premium structure.
An outdoor photo of senior parents with their adult children and their spouses  Everyone is smiling and laughing
 

How to Request Underwriting

Let’s look at how you can request an underwriting review for your GI and SI cases.

Case consideration and offer process

The Lincoln Business Insurance Solutions team and experienced underwriters provide the resources and consultation to guide your GI/SI cases through this process from design to completion.

Icon of a person in a magnifying glass, representing case consultation Blueprint icon, representing design

Design

The Business Insurance Solutions team works with you to finalize the plan design to meet the needs of
your client.

Icon of paper with magnifying glass, representing case review

Final case review/offer

Our underwriting team will review your information. If no additional information is required and the case is suitable for Guaranteed Issue or Simplified Issue Underwriting, you will receive a written offer letter. The offer letter must be received prior to any application submission.

Icon of a group of people, representing the Business Insurance Solutions team

New business processing

The Business Insurance Solutions team continues to assist you to ensure the appropriate paperwork is completed and sent to the Lincoln New Business team.

Financial underwriting guideline considerations

  • There may be additional financial requirements specific to each plan. Your Lincoln Business Insurance Solutions team can provide more information.
  • Underwriters have discretion in determining the appropriate amount of coverage, depending on case specifications.
GraphicLine GraphicLine

©2022 Lincoln National Corporation

Lincoln Financial Group is the marketing name for Lincoln National Corporation and its affiliates, including The Lincoln National Life Insurance Company, Fort Wayne, IN, and Lincoln Life & Annuity Company of New York, Syracuse, NY. Variable products distributed by broker-dealer/affiliate Lincoln Financial Distributors, Inc., Radnor, PA. Securities and investment advisory services offered through other affiliates. Affiliates are separately responsible for their own financial and contractual obligations.

For financial professional use only. Not for use with the public.

LCN-3502107-032221
4/21 Z01
Order code: LIF-MULTI-IDE001

Polygon

Not a deposit

Not FDIC-insured

Not insured by any federal government agency

Not guaranteed by any bank or savings association

May go down in value

Lincoln Financial Group Logo
 
 

FAQs

We’ve collected the most frequently asked questions and answered them here.

Is it possible to have add-ons?

Yes. However, add-ons to existing groups require review. When requesting a participant addition, the case must still be reflective of the original offer letter (number of lives, plan design, etc.).

Is there anyone who will not qualify for GI/SI Underwriting?

Yes, GI/SI Underwriting is not available for:

  • Religious organizations
  • Unions, associations, fraternal organizations and government entities
  • Charities taking out policies on the lives of their members or donors
  • Professional athletes

Are reinstatements allowed?

Yes. Reinstatements of GI or SI business follow normal underwriting guidelines that apply to fully underwritten business.

What about increases?

A maximum yearly increase of 20% of the face amount initial specified amount, up to the amount stated in the offer letter, is allowed. Any lives not included in the original census applying for an increase must be documented.

To request an increase, submit:

  • A new GI or SI application from the policyowner
  • A copy of the original offer letter, stating increases are permitted
  • An underwriter must sign off to ensure that the change adheres to the program guidelines as specified in the original offer letter
 

Resources

Our MultiLife Business Solutions can help you identify and find solutions for your business clients’ targeted needs with a dedicated sales team to help guide you through the process.

This tool is designed to help you identify and gather information to facilitate Guaranteed Issue and Simplified Issue (GI/SI) Underwriting cases for businesses that want to cover multiple lives.

See how an executive bonus plan can be a simple way to provide enhanced benefits to a select group of key employees.

Learn about how you can offer a Lincoln life insurance policy up to $20 million with no exams or labs.

Reach success in Specialty Markets, a largely untapped area of growth. Explore the possibilities and see how our experience and products can give you an edge.

See how you can grow your business with Lincoln’s Specialty Markets sweet spots.

For full resources, visit LFG.com/SpecialtyMarkets

 

Questions?

For specialized case design, consultation and illustration support, contact your MultiLife Business Solutions team at 800-832-5372, option 2.

You may email the presale questionnaire and census to your Lincoln representative or send to BusinessInsuranceSolutions@LFD.com.

Michael Deaton

Business Insurance Consultant

Michael.Deaton@LFD.com

336-691-4923


Danielle Pagán

Business Insurance Consultant

Danielle.Pagan@LFD.com

571-733-4286

Jacob Fulkerson

Case Design

Jacob.Fulkerson@LFD.com

336-691-3235

 
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