What is “Real-Time Offer”?
To improve turnaround times for life insurance ticket submissions, Real-Time Offer will immediately communicate an underwriting approval decision to clients that have been approved lab-free by Lincoln’s automated underwriting process.
A Quick, User-Friendly Process
Here’s a workflow example of how the Real-Time Offer works:
What You Need to Know
- Available for life insurance ticket submissions only:
- Lincoln TermAccel®
- LincXpress® submissions (single-life only): Lincoln LifeElements® Term, IUL, VUL
- Ages: 18-60
- Face Amounts: $2.5 million and less
- Underwriting criteria:
- Only available for cases assessed through the automated underwriting proces
- Client must be approved lab-fre
- Good Health Statement and Insurability Supplement is not required for cases approved via Real-Time Offer
Full Official Announcement PDF
Presubmission Qualification Guidelines PDF
