Lincoln Financial term (TermAccel): the digital path and where it lands on price

Lincoln Financial's term products come up when agents want a large-carrier name with a digital application path.

Where it fits. Healthy to moderately rated clients; the digital path aims at quick decisions for qualifying applicants. Competitive on price at many age and face combinations.

Underwriting. Accelerated underwriting for qualifying cases, full underwriting otherwise. Some conditions are treated favorably; ask the case desk.

Process. Online application with a client-facing portion, decisions faster on the digital path, standard timelines when records are needed.

Conversion and riders. Confirm the conversion window and any available riders; these change by product version.

Client conversation. A well-known name with strong ratings.

Where does Lincoln fall in your term comparisons, and are you using the digital path?