Carrier Ratings

A+ (Excellent)

AM Best Rating

Analysis Report AM Best

AA- (Very Strong)

Standard & Poor Rating

Analysis Report Standard & Poor

Available Life Products

Term Life Insurance

Lincoln National offers guaranteed term insurance policies for 10 - 15 - 20 and 30 years. Premiums are guaranteed for the life of the term product.

Variable Life Insurance

For those of you who are more moarket savvy and prefer the ability to build wealth tied to the performance of the market, Lincoln financial offers Variable Universal Life that may suit your needs.

Universal Life Insurance

Lincoln National offers traditional flexible premium permanent universal Life Insurance.


Lincoln National offers this flexible universal life product which allows you to accumulate wealth within the S&P 500 without the negative risk assocated with the market.

Compare Quotes

No-Exam Options

Linolln National offers no exam term life insurnace for benefits amounts up to $2.5 million.

  • Available for people between the ages of 18 and 60
  • In order to qualify you must have no major medical conditions and be within healthy height/weight limits.
  • You must be a non smoker
  • Over the last 5 years you can not have been convicted of a DUI.
  • Over the last 3 years you can not have mulitple motor vehicle violations.
  • You must be 7 years removed from a felony conviction.
  • You may not engage in any hazardous sports.
  • If you are a private pilot you must be instrument qualified.
  • You can not have applied for coverage with another carrier within the last 6 months.

Available Riders


This rider pays you a portion of your death benefit if you become terminally ill.


When available, you may insure all of your children for up to $15,000 per child.


Where available, this rider credits the cost of your policy in the event of your Total Disability.

Conversion Options

Lincoln Financial allows you to convert your term life insurance policy at any point in time during your policy or your age of 70 whichever period comes first. You may choose to convert your policy into any of Lincoln Financials available permanent life policies.

Compare Quotes

Have Questions?

Ask Wandy!

Sometimes we want answers right away and we don’t want to speak to a live person. That’s why Wandy is here. Wandy is your virtual insurance agent and he’s here to help. Click here to visit with Wandy now.

Live Agent Support

You might not always want to do everything on your own. So if you’ve got questions, PolicyWand agents are here to help. Feel free to call or text at 321-521-4340 or you can chat with us by clicking here. Don’t worry, our agents aren’t commissioned so this won’t feel like a sales interaction. We’re simply here to help!

Life Insurance Calculator

Not sure how much life insurance you need? Try our EZ Calculator tool by clicking here. If you want a more custom life insurance evaluation you can click here for our more comprehensive calculator tool.