Lincoln TermAccel SM

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1 Build your business with Lincoln TermAccel SM From competitive pricing to an efficient online eticket process and streamlined turnaround times it s easy to see how Lincoln TermAccel SM Level Term is built with your business in mind. Lincoln TermAccel insurance offers clients Affordable protection for ages , 20- or 30-year terms with face amounts from $100,000 to $500,000 Easy and paperless online eticket process Quick approval process means cases are issued in half the time Guaranteed premiums that stay the same for the length of the term Flexibility to convert to any qualifying Lincoln permanent life insurance policy for the same death benefit amount with no new underwriting required* Three simple steps to fuel sales Fully electronic process from quote to underwriting to policy issue Quote and esubmission Run quote via ipipeline s LifePipe TM Complete eticket and solicitation forms will prepopulate Agent licensing and appointment validation check Client and agent esignatures Submit eticket to Lincoln Underwriting and Tele-App interview Automated review of ID check, MVR, RX and MIB Short Tele-App interview completed by dedicated internal Lincoln team member Lincoln orders vitals and physical measurements (height, weight, blood pressure, fluids) APS required Electronic policy issue and delivery If accepted, policy issued (preferred plus through Table 4) edelivery of policy and return of delivery requirements back to Lincoln Place policy in-force Guarantee good order process and eliminate the paper and administrative hassle with quick and efficient esubmission. *Convertible prior to the end of the level premium payment period (15, 20 or 30) or prior to insured s attained age 70, whichever comes first. Conversions allowed to any qualifying Lincoln permanent life policy available at time of conversion from this term life insurance plan. Insurance products issued by: The Lincoln National Life Insurance Company For agent or broker use only. t for use with the public. Page 1 of 2

2 Lincoln TermAccel SM is the streamlined solution you and your middle-market clients need. Contact your Lincoln representative today! ipipeline is not an affiliate of Lincoln Financial Group. t a deposit t FDIC-insured t insured by any federal government agency t guaranteed by any bank or savings association May go down in value 2015 Lincoln National Corporation LincolnFinancial.com Lincoln Financial Group is the marketing name for Lincoln National Corporation and its affiliates. Affiliates are separately responsible for their own financial and contractual obligations. LCN POD 5/15 Z01 Order code: TO-PROC-FLI001 Lincoln TermAccel SM Level Term is issued on policy form TRM5065/ICC15TRM5065 with endorsement END7013, data pages TA5165, and state variations by The Lincoln National Life Insurance Company, Fort Wayne, IN, and distributed by Lincoln Financial Distributors, Inc., a broker-dealer. The Lincoln National Life Insurance Company does not solicit business in the state of New York, nor is it authorized to do so. All guarantees and benefits of the insurance policy are subject to the claims-paying ability of the issuing insurance company. They are not backed by the broker-dealer and/or insurance agency selling the policy, or any affiliates of those entities other than the issuing company affiliates, and none makes any representations or guarantees regarding the claims-paying ability of the issuer. Products, riders and features are subject to state availability. Limitations and exclusions may apply. t available in New York. Check state availability. For agent or broker use only. t for use with the public. Page 2 of 2

3 TermAccel Frequently Asked Questions QUESTION ANSWER Program: What is TermAccel? How do I access TermAccel? What are the advantages of this program? Where is TermAccel currently available? Will the program be expanded in the future? TermAccel is Lincoln s new Term Product which offers competitive coverage for the lower face amounts ($100-$500k), durations of 15, 20, 30 years and lower age categories (18-50). This is a fully underwritten and automated offering, utilizing e- signature and e-delivery. Application fulfillment will be handled in house with a dedicated TeleApp team designed to handle this line of business. In order to access TermAccel you will need to run a quote via ipipeline Life Pipe. This is an Accelerated, Balanced and Consistent offering. The advantages of this program include simplicity, an ability to offer a quick and efficient process as well as providing competitive pricing and features. This streamlined approach can be described as: 1. Run the quote; 2. Complete the ticket; 3. Adopt an Electronic signature; 4. Deliver electronic policy. Additionally this automated process will provide a consistent and predictable experience with proactive communications to the distributor at multiple stages throughout the process. TermAccel will be available in all states except NY. We are planning to roll out to NY in the future. Product: Is term conversion available?. As we offer an industry leading full suite of permanent solutions, conversion may be to any permanent life plan made available by Lincoln for the purposes of conversion from this term life insurance plan at the time of conversion. LCN: (updated 7/1/15) Page 1 of 6 For Agent/Broker Use Only. t for Use with the General Public.

4 QUESTION Is TermAccel available to replace existing coverage? Is backdating allowed? Are face amount decreases allowed? ANSWER, TermAccel is available for clients replacing existing coverage through Lincoln or any other carrier. Backdating is allowed, however backdating to save age in order to qualify for this program is not allowed., face amount decreases are allowed at the end of 3 rd policy year but the face amount cannot be decreased below $100k. Process: What is the anticipated turnaround time with this new process? Will this process work if the owner and insured are different? Are multiple owners allowed? Why is an electronic signature required up front? What if my client does not have an address? We expect the time between a ticket submission to Lincoln and placement of the policy inforce to average less than 20 days. For a given case, the timeline is primarily dependent upon the customer s availability for completing our TeleApp Interview and the Vitals and Physical Measurements (height/weight/blood pressure/fluids). Clients who complete these steps in a timely fashion will experience significantly shorter turnaround times., the process works if the owner and insured are different. After ticket submission additional owners cannot be added (as the solicitation becomes void). TermAccel allows one trust as owner and up to three trustee signatures maximum. Multiple trusts as owners are not allowed. By collecting the signature upfront we ensure the application is collected in good order and avoid any potential delays throughout the process. Initial MIB, Rx and MVR screens will inform our underwriting decision and avoid unnecessary interviews and medical testing for individuals who are not likely to qualify for this product. Traditional e-signature and face-to-face options are available. Your client needs to agree to an electronic process in order to qualify for this program. An is required to continue the application. LCN: (updated 7/1/15) Page 2 of 6 For Agent/Broker Use Only. t for Use with the General Public.

5 QUESTION What is the agent s responsibility? Are there situations where we would ever use paper applications? How will policies be delivered? What if I am not registered to receive electronic policies? Need Help / Contact Us How and when will I receive status information on a TermAccel case? Why is the TeleApp interview required? ANSWER The agent plays an important role in this simple process, specifically assisting in: 1. Pre-qualifying the client; 2. Running a quote; 3. Completing the ticket; 4. Preparing the client for the Tele App Interview; 5. Preparing the client for the Exam; 6. Delivering the policy., paper applications will not be able to be submitted through this process. Policies will be delivered electronically, as Lincoln will not be generating paper policies. We strongly suggest that you follow the electronic path. If you choose to print the policy please note you will need to or fax the delivery requirement back to Lincoln. If you are not registered to receive electronic policies, you will need to contact the TermAccel team to register. There are multiple ways to contact the team: termacceluwnb@lfg.com New Business Associate Queue Number: Fax Number: TermAccel has been built with multiple communication touch points to ensure a streamlined process as well as proactive communication. These touch points include: agent validation confirmation; status of the ticket; status of the tele app interview; auto ordering of Vitals and Physical Measurements and case approval or declination. Additionally, status of the case will be available on LFD LFN LFA.com. TermAccel is designed to be quick and efficient and the answers obtained through the interview will populate the required application package. Completing the interview eliminates delays in the process and reduces the effort required by the advisor. LCN: (updated 7/1/15) Page 3 of 6 For Agent/Broker Use Only. t for Use with the General Public.

6 QUESTION What can the client expect during the TeleApp interview? Do I need to initiate the TeleApp Interview? Who handles the exam? Can I use my current exam company and set it up myself? Can we use an exam from another company? If my client is not approved, will you share the exam? Can I submit a dual submission for TermAccel and other products? Which payment and payor options are available? Is temporary insurance available? ANSWER The interview is expected to take between minutes. Preparation is key to ensure that the process goes smoothly. To prepare for the interview we have created a worksheet to assist your client. Some of the items the client should be prepared to discuss include: medical history including ; symptoms and conditions in the last 10 years; doctor visits; hospital and medical facilities visits; employment and income; tobacco and alcohol use; hobbies/avocations; and beneficiaries., you will not need to initiate the interview. Lincoln s in-house team of TeleApp associates will contact your client directly upon receipt of the ticket and preliminary review. Initial contact will typically occur within 1-2 business days. Lincoln will order both the Vitals and Physical Measurements. You will not be able to use your current exam company or set up exams. Clients can securely access lab results at no cost through the designated online lab service website for Lincoln ordered labs. The online portal provides clients with their results faster and in a consumerfriendly format that provides greater detail and information on each result. Information will be provided to the client directly about viewing their lab results online. In order to deliver a streamlined experience, this process has been directly integrated with our partner exam vendor(s) and is not compatible with other company s exams., we can share our Part II of the application if your client is declined or approved at a rate other than applied., dual submissions are allowed. It is highly recommended that you submit the TermAccel application first, as the medical information and labs collected during the TermAccel process can be leveraged for other life product submissions, making it easier on your client. Because of the automated nature of TermAccel, the process cannot use information from other product submissions. There are multiple payment options available. These include: - Monthly and Quarterly payments Electronic Funds Transfer (EFT) only; - Semiannual and annual payments - Direct bill or EFT., temporary insurance is available. Payment must be made via EFT. LCN: (updated 7/1/15) Page 4 of 6 For Agent/Broker Use Only. t for Use with the General Public.

7 QUESTION Can payments with the ticket be accepted? Underwriting: Which clients qualify? Are flat extra ratings allowed? Will the same Underwriting and New Business team process TermAccel? What materials are available to pre-qualify the clients? ANSWER, payments with the ticket will not be accepted. Only payments for Temporary Insurance Agreement (TIA) are accepted. TermAccel is available for ages with a face amount ranging from $100 - $500k. The product is available in durations of 15, 20 and 30 years. The rate classes available are Preferred Plus n Tobacco/Preferred n Tobacco/Preferred Tobacco/ Standard n Tobacco and Standard Tobacco/ Tables B-C-D., up to $5 extra per thousand.. TermAccel will be processed by one dedicated team located in Greensboro, NC. A Pre-Qualification brochure is available to determine which client best qualifies for TermAccel. What are the UW requirements for TermAccel? The Underwriting requirements include a MVR, MIB and Rx checks. Additionally there will be blood and urine testing; height, weight, blood pressure and pulse. A TeleApp interview will be required as well. Do you require an APS? What type of factors may result in my client not being approved for TermAccel?, an APS is not required. There could be a number of factors and some of these may include: adverse driving record; use of certain high-risk medications (as determined by Lincoln); any medical condition(s) with adverse risk that exceeds the tolerance for this product. Are informals/trials/quick quotes allowed?, these will not be allowed. If my client is not approved for TermAccel can they apply for Life Elements Level Term? In rare cases someone who is declined for the TermAccel product could be accepted for LifeElements as this product allows for higher table ratings and the collection of additional evidence such as an APS. Your client may apply for a LifeElements policy if they are declined for TermAccel. (LifeElements is still subject to minimum face amount requirements of $250k). They will need to complete a full application for consideration. Clients with complex medical histories who are likely to receive high table ratings are not ideal candidates for the TermAccel process and should strongly consider beginning with the LifeElements product. LCN: (updated 7/1/15) Page 5 of 6 For Agent/Broker Use Only. t for Use with the General Public.

8 QUESTION Is the Table Reduction Program (TRP) available on TermAccel business? Is TermAccel available for Foreign Nationals or Premium Financing? Will Lincoln allow the same criteria for cigar and pipe smokers on TermAccel as on the rest of the Lincoln portfolio? Can I speak with an underwriter if I want to negotiate an underwriting offer for TermAccel business? Compensation: How will I be compensated? Can more than one agent be on the case? ANSWER, the Table Reduction Program is not available., neither is allowed under this offering., refer to Standard Tobacco/n Tobacco Guidelines., given the automation and guidelines required to make this product available at an affordable cost to your client, we will not negotiate underwriting decisions. Compensation structure remains the same as Lincoln LifeElements Level Term., up to four agents may be on each case. Lincoln TermAccel level term life insurance is issued on policy for TRM5064/ICC14TRM5065 and state variations by The Lincoln National Life Insurance Company, Fort Wayne, IN. Lincoln TermAccel level term life insurance is issued on data pages TA , TA and TA The Lincoln National Life Insurance Company is not authorized nor does it solicit business in the state of New York. Contractual obligations are backed by the claims-paying ability of The Lincoln National Life Insurance Company. Lincoln Financial Group is the marketing name for Lincoln Financial Corporation and its affiliates. Affiliates are separately responsible for their own contractual obligations. Products and features subject to state availability. LCN: (updated 7/1/15) Page 6 of 6 For Agent/Broker Use Only. t for Use with the General Public.

9 Lincoln TermAccel SM Tele-App interview instructions Dear valued prospective Lincoln TermAccel SM Level Term client: Please complete the worksheet below prior to your Tele-App interview. Preparing for your interview helps ensure it will go smoothly. The worksheet is for your use only and should not be returned to Lincoln. What you need to do A highly trained Lincoln professional will call you to schedule an appointment for your telephone interview. The interview may take 20 to 30 minutes. Because the nature of the questions is personal (relating to your health history and financial information), we encourage you to schedule the telephone interview for a place and time that allows you the privacy you need. Lincoln is committed to keeping the personal information of our clients confidential and secure. Be ready to provide the following details: Your name, gender, birth date, address, Social Security number (SSN), and the Social Security numbers or tax I.D. numbers (TIN) of the individuals/entities that will be the beneficiary(ies). We will also ask about your source of premium, citizenship and financial information. Your existing life insurance policy and annuity contract information. We ll verify company names, coverage amounts, issue dates, and if you re replacing the policies, we ll need the policy numbers. This includes any previous coverage for which you applied and may have been declined, rated, postponed, or offered. Your medical history including diagnoses, symptoms and conditions for which you are or have been treated in the last 10 years. Be sure you are prepared to give detailed information about your health and recent physician visits. We will want to know about any symptoms, treatments, and any testing or follow up that occurred. Be ready to provide your doctor s name, address, phone number, specialty, date and reason for last visit, and any testing or treatment performed. You may be asked about any medications you take, as they relate to your medical history. The names and dosages of any medications you are currently taking. Have prescription bottles handy to make it easier. After your interview, you ll be contacted by a paramed service to schedule your exam. Thank you for applying for Lincoln TermAccel. We look forward to talking with you. Preinterview worksheet Important numbers Your Social Security number Financial information Your annual earned income Your total household income Your net worth (assets minus liabilities) Insurance products issued by: The Lincoln National Life Insurance Company Page 1 of 4

10 Beneficiary(ies) Use a separate sheet of paper if there is not enough room in the space provided. Name birth Address Phone number SSN or TIN Relationship Trust name Trustee name trust Share percentage Primary beneficiary (1) Primary beneficiary (2) Contingent beneficiary Third party designation (to receive grace period of lapse notices) Name Address Phone number Existing insurance information List every life insurance policy and annuity contract you currently have in-force and any life insurance or annuity you ve applied for, but have not yet been issued. Use a separate sheet of paper if there is not enough room in the space provided. Company name Policy number (if available) Issue date Face amount Replacing Physical stature Height Weight Social habits Tobacco use (types, including e-cigarettes ) Alcohol use (number of drinks per week) Hobbies/avocations (Include activities such as racing, scuba diving, parachuting, hang gliding, mountain climbing.) Activity Amateur or professional Certifications/club affiliations/licenses Location of activity Maximum speeds, depths, heights attained Frequency of activity Page 2 of 4

11 Aviation Type of aircraft flown Are you a student pilot? License(s) held Total hours flown solo Total hours expected to fly in the next 12 months Are you instrument flight rated (IFR)? Medical history List any medical conditions you have or have ever been diagnosed with. Use a separate sheet of paper if there is not enough room in the space provided. Condition Symptoms Type and date of treatment Tests done and results last doctor visit Doctors visits Provide the following information about any doctors you ve seen in the last 10 years for a medical condition or follow up. Use a separate sheet of paper if there is not enough room in the space provided. Doctor s name City and state Specialty visit Reason for last visit Testing or treatment received Doctor s name City and state Specialty visit Reason for last visit Testing or treatment received Hospital and medical facilities Provide the following information about your hospital or medical facility admissions. Use a separate sheet of paper if you run out of space. Hospital/medical facility name and complete mailing address Name of doctor consulted Admission date(s) Reason for admission(s) Treatment date(s) Page 3 of 4

12 If you have any of the conditions listed, please be prepared to provide the following information. Asthma Have you been diagnosed Frequency of symptoms Do you require oral steroids? with status asthmaticus? Crohn s disease Did you require surgical treatment? Did you require hospitalization for this condition? Did you require steroids or immunosuppressants? Diabetes Provide most recent A1C result. Complications from diabetes? Type of treatment Hypertension (high blood pressure) Did you require hospitalization for this condition? Complications from high blood pressure? Type of treatment Multiple sclerosis Do you have limitations on activities of daily living? Complications from multiple sclerosis? Type of treatment Seizure disorder Did you require hospitalization for this condition? Frequency of seizures/date of last seizure Type of treatment Sleep apnea Did you require surgical treatment? If CPAP is required? How often? Did you have follow-up sleep studies? Ulcerative colitis Did you require surgical treatment? Dates of colonoscopies Did you require steroids or immunosuppressants? t a deposit t FDIC-insured t insured by any federal government agency t guaranteed by any bank or savings association May go down in value 2015 Lincoln National Corporation LincolnFinancial.com Lincoln Financial Group is the marketing name for Lincoln National Corporation and its affiliates. Affiliates are separately responsible for their own financial and contractual obligations. LCN POD 4/15 Z01 Order code: TO-PHI-FLI001 Important information: Lincoln TermAccel SM Level Term is issued on policy form TRM5065/ICC15TRM5065 with endorsement END7013, data pages TA5165, and state variations by The Lincoln National Life Insurance Company, Fort Wayne, IN. The Lincoln National Life Insurance Company does not solicit business in the state of New York, nor is it authorized to do so. All guarantees and benefits of the insurance policy are subject to the claims-paying ability of the issuing insurance company. They are not backed by the broker-dealer and/or insurance agency selling the policy, or any affiliates of those entities other than the issuing company affiliates, and none makes any representations or guarantees regarding the claims-paying ability of the issuer. Products, riders and features are subject to state availability. Limitations and exclusions may apply. t available in New York. Page 4 of 4

13 Lincoln TermAccel SM Presubmission underwriting information Determine if your client is a good candidate for Lincoln TermAccel SM Level Term Underwriting decisions are based on the information your clients provide during their Tele-App interview phone call. Give your clients a copy of our Tele-App worksheet to help ensure their interview goes smoothly. te that the proposed insured must be a U.S. citizen or a green card holder. The guidelines listed are not meant to be all inclusive. Due to the complexity of individual medical histories, there are conditions, not listed, that 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 the following: 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 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 *To calculate BMI, visit Insurance products issued by: The Lincoln National Life Insurance Company For agent or broker use only. t for use with the public. Page 1 of 2

14 Help your clients get more with Lincoln TermAccel SM. Contact your Lincoln representative today! t a deposit t FDIC-insured t insured by any federal government agency t guaranteed by any bank or savings association May go down in value 2015 Lincoln National Corporation LincolnFinancial.com Lincoln Financial Group is the marketing name for Lincoln National Corporation and its affiliates. Affiliates are separately responsible for their own financial and contractual obligations. LCN POD 4/15 Z01 Order code: TO-PRE-FLI002 Lincoln TermAccel SM Level Term is issued on policy form TRM5065/ICC15TRM5065 with endorsement END7013, data pages TA5165, and state variations by The Lincoln National Life Insurance Company, Fort Wayne, IN. The Lincoln National Life Insurance Company does not solicit business in the state of New York, nor is it authorized to do so. All guarantees and benefits of the insurance policy are subject to the claims-paying ability of the issuing insurance company. They are not backed by the broker-dealer and/or insurance agency selling the policy, or any affiliates of those entities other than the issuing company affiliates, and none makes any representations or guarantees regarding the claims-paying ability of the issuer. Products, riders and features are subject to state availability. Limitations and exclusions may apply. t available in New York. Check state availability. For agent or broker use only. t for use with the public. Page 2 of 2