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Lincoln’s Real-Time Offer Is Now Live

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