March 16, 2016 – Vol. 14, Issue 04
Effective March 14, 2016, Lincoln is pleased to announce pricing improvements to
Lincoln LifeElements ® Level Term (2014) which solidify key competitiveness at ages
45 and above with face amounts of $500,000 and above.
Highlights
Goals of the reprice include being a “top 3 carrier” in the following core cells with the lowest price in an increased number of scenarios:
• $1 million of death benefit at ages 45+ for all term periods
• $500,000 of death benefit at ages 45+ for 15/20/30 year term periods
• $500,000 of death benefit at ages 55+ for 10 year term period
Transition Guidelines
All states will be automatically approved at rollout, with the exception of New York which is not included in the 03/14/16 reprice.
• New applications received on or after March 14, 2016 and applications currently in underwriting that are issued on or after
March 14, 2016 will automatically receive the new lower premiums if applicable. A request to use the lower rates will not be required. o
If the application had been submitted with premium using the previously higher rates, the difference will be automatically refunded. o
As of April 13, 2016 (30 days after rollout), the new Lincoln
LifeElements ® Level Term (2014) - 03/14/16 reprice will automatically be used for all cases.
• For policies already issued, Lincoln will accept a written request to change to Lincoln LifeElements ® Level Term (2014) - 03/14/16 reprice.
• For policies already placed , Lincoln will not allow rewrites to the new
Lincoln LifeElements ® Level Term (2014) - 03/14/16 reprice.
For Agent/Broker use only. Not for use with the public.
Lincoln Life Leader – March 16, 2016
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Illustration Availability
Illustrations for Lincoln LifeElements ® Level Term (2014) – 03/14/2016 will be run on the current version of the Lincoln
DesignIt SM platform (v32.0 C). If you have an active internet connection, the software automatically updated to include the new product on March 14, 2016.
If you need to download the Lincoln DesignIt SM platform, it is available on the Lincoln producer websites or from Field
Office Technicians.
Reference Materials
The following pieces are available from the Lincoln Producer websites.
Technical Training Guides
Lincoln LifeElements ® Level Term (2014) Product Reference Guide
Specimen Contracts
Lincoln LifeElements ® Level Term (2014) 10 Year Policy
Lincoln LifeElements ® Level Term (2014) 15 Year Policy
Lincoln LifeElements ® Level Term (2014) 20 Year Policy
Lincoln LifeElements ® Level Term (2014) 30 Year Policy
Available Riders
The following riders are available on Lincoln LifeElements ® Level Term (2014):
• Accelerated Death Benefit Rider
• Children’s Term Insurance Rider
• Waiver of Premium Rider
Marketing Materials
The updated marketing materials for Lincoln LifeElements ® Level Term can be viewed on the various Lincoln websites and are available for order from the Lincoln Literature Fulfillment Center.
Name of Piece Order Code
Lincoln LifeElements ® Level Term Advantages Flier TO-ADV-FLI022
Lincoln LifeElements ® Level Term Client Guide and Fact Sheet
Lincoln LifeElements ® Level Term Competitive Ladders
TO-CLT-BRC002
TO-COMP-FLI001
TO-RATE-FLI004 Lincoln LifeElements ® Level Term Client Rate Mailer
For Agent/Broker use only. Not for use with the public.
Lincoln Life Leader – March 16, 2016
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Lincoln is pleased to extend the VUL Dollar Cost Averaging Fixed Account Enhanced Interest Rate Program. This program includes a 10% Fixed Account enhanced current interest rate to help with short-term returns while the client transfers funds into variable investment options using a 12-month Dollar Cost Averaging (DCA) program. This annual effective rate is paid on the declining balance in the Fixed Account so the amount of interest earned will be less. These fixed rates do not reflect performance of the variable investment options selected by the client.
The DCA Fixed Account Enhanced Interest Rate program is available on:
• New Lincoln VUL applications signed up to and including June 30, 2016 – Applications must be received by
July 14, 2016.
• The enhanced program applies to all currently available Lincoln VUL products, except in New York where it is only available on Lincoln AssetEdge ® VUL (2015) .
For complete details on the program eligibility and how to apply, click here to view the comprehensive Q&A document.
Reminder:
• There is a minimum DCA transfer amount based on premiums directed to the Fixed Account during the DCA period, including modal, lump sum and 1035 premiums. Also, large unplanned subsequent payments may require an increased transfer amount. The minimum DCA transfer amount is the greater of $50 or 5% of premiums for monthly transfers and $150 or 15% of premiums for quarterly transfers.
• The initial premium payment must be sufficient to cover policy charges and fund the DCA transfer amount or the DCA Program will terminate and may not be reinstated.
• If there is an external 1035 Exchange , it is critical that enough money is received with the application in order to process DCA. If there is a delay in receiving funds from the 1035 Exchange such that the DCA Fixed Account runs out of money, DCA will terminate and may not be reinstated.
For Agent/Broker use only. Not for use with the public.
Lincoln Life Leader – March 16, 2016
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Lincoln Marketing is pleased to announce the launch of a new video to save you time and enhance your clients’
MoneyGuard ® experience. The video gives clients valuable insight into some key health-related topics:
• If they’re a good candidate for a MoneyGuard ® policy
• What health-related issues could influence underwriting approval
• When it’s a good idea to postpone the application process for a short time period http://marketingmedia.lfg.com/lfg/DOCS/lfd/emailMarketing/2016/OMC/Videos/4764719943001.html
In addition to the educational video just described above, below are some additional resources that can help your clients determine if they’re a good fit for a Lincoln MoneyGuard ®
Presubmission client guide policy. All of these materials are client-approved.
Medication guidelines
MGR-QUA2-FLI007
< https://fulfillment.lfg.com/CF/LFG/EF/44240/MGR-
MGR-MED2-FLI003
< http://fulfillment.lfg.com/servepdf.aspx?sku=MGR-
QUA2-FLI007_Z02_VIEW.PDF
>
California version (presubmission client guide)
MGR-CA-FLI007
< https://fulfillment.lfg.com/CF/LFG/EF/44969/MGR-CA-
FLI007_Z02_VIEW.PDF
MED2-FLI003 >
Height and weight guidelines
MGR-BLD2-FLI001_Z03
< http://fulfillment.lfg.com/servepdf.aspx?sku=MGR-BLD2-
FLI001 >
For Agent/Broker use only. Not for use with the public.
Lincoln Life Leader – March 16, 2016
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As a committed partner and industry leader, it’s important to Lincoln to openly communicate all actions we take that relate to our industry, our partners or policyholders. Earlier this week Lincoln communicated to our brokers in the
Executive Benefits space an increase of current cost of insurance (COI) rates on some Universal Life Bank Owned Life
Insurance (general account) policies issued prior to 2007. While it is unlikely that these changes impact our partners in the
Individual Life market, we are sharing this information to ensure transparency.
For 110 years, Lincoln Financial Group has fulfilled the long-term promises we’ve made to our partners’ clients, including the banks that rely on us for funding solutions for executive benefit plans. Prudent management of our business, including ongoing and thorough reviews, and adapting to conditions has been core to this track record, remains so and will continue to remain so to uphold future responsibilities. In light of the current economic and market environment, these particular Bank Owned Life Insurance policies necessitate a change based on current expectations of future costs associated with providing this coverage.
These changes are made following an in-depth actuarial analysis along with a rigorous review process and thoughtful consideration of their impact on our distribution partners and policyholders. The change enables us to continue to provide this competitive coverage with financial integrity.
Products impacted by these changes are as follows:
Product Name Original Issuing Company Product Type
ESP3
ESP4
ESP6
ESP7
Jefferson Pilot
Jefferson Pilot
Jefferson Pilot
Jefferson Pilot
UL
UL
UL
UL
ESP100
ULBOLI
Jefferson Pilot
Jefferson Pilot
LCUL LC Lincoln National Life Insurance Company
If you have any questions, please contact your Lincoln representative.
UL
UL
UL
For Agent/Broker use only. Not for use with the public.
Lincoln Life Leader – March 16, 2016
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Release of Lincoln LifeElements ® Level Term
(2014)- 03/14/16 which reflects new rates.
All states will be automatically approved at rollout, with the exception of New York which is not included in the 03/14/16 reprice.
View State Availability Grids
Products and features subject to state availability. Guarantees are subject to the financial strength of the insurer. Lincoln Financial Group is the marketing name for The Lincoln National Corporation and its affiliates.
Insurance policies are issued by The Lincoln National Life Insurance
Company, Fort Wayne, IN. The Lincoln National Life Insurance Company
(Lincoln) does not solicit business in the state of New York, nor is it authorized to do so. Contractual obligations are subject to the claimspaying ability of The Lincoln National Life Insurance Company.
Insurance policies sold in New York are issued by Lincoln Life & Annuity
Company of New York, Syracuse, NY. The contractual obligations are subject to the claims-paying ability of Lincoln Life & Annuity Company of New York (Lincoln).
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.
Variable products are sold by prospectus. For more information about the variable products, including fees and charges, refer to the prospectus. Variable products are distributed by Lincoln Financial
Distributors and offered through broker dealers with effective selling agreements.
Only registered representatives can sell variable products.
©2016 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:1444904-031516
View index of past Lincoln Life Leader articles
For Agent/Broker use only. Not for use with the public.
Lincoln Life Leader – March 16, 2016
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