Lincoln Financial Group, an A+ rated company founded in 1905, has some of the most competitive underwriting tables for a variety of health conditions, making them the best life insurance for some with substandard medical profiles. They also have a deep selection of riders to help you personalize your policy.
Lincoln doesn’t allow customers to change any of their information online, making them a tough sell for people who hate paper forms and customer service calls. For everyone else, Lincoln offers competitive underwriting on a range of health conditions and a wide selection of riders to personalize your coverage.
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Each insurer approaches health conditions differently. One insurer might ignore a heart attack from a few years ago, whereas a different insurer might rate you as a higher risk for the same thing. Here are the details of how Lincoln Financial treats a variety of common health conditions from an underwriting perspective.
|Recent Weight Loss||Excellent|
|Former Tobacco Use||Excellent|
|High Blood Pressure||Fair|
Excellent - Above average; company provides excellent coverage for clients with this condition.
Good - Spot on; company doesn’t look at this condition unfavorably in underwriting.
Fair - Could use some work; clients with this condition may be issued a lower health rating, and subsequently higher rates than other insurers.
After you're a policyholder
Quote for: $500,000, 20-year term life insurance policy for healthy, nonsmoking individuals, in California, monthly premiums
|Company||Plan||Male - Age 30||Male - Age 40||Male - Age 50||Female - Age 30||Female - Age 40||Female - Age 50|
|Mutual of Omaha||Term Life Answers||$21.66||$33.47||$85.53||$23.41||$28.66||$64.09|
|Pacific Life||Pacific PROMISE Term||$20.84||$29.59||$77.09||$19.18||$26.68||$61.67|
|Protective||Custom Choice UL||$20.37||$28.91||$76.82||$17.93||$25.25||$55.75|
|Protective||Classic Choice Term||$20.21||$28.38||$75.68||$17.63||$25.94||$55.47|
|Prudential||Return of Premium Term||$101.00||$143.62||$291.99||$88.12||$130.04||$253.37|
|SBLI||Level Premium Term||$21.32||$40.05||$96.06||$24.48||$34.71||$65.87|
Annual Payment Discount
Payment methods available
Check; Auto bank draft (for monthly payments only); Credit and debit card (only for first payment)
Is coverage available without a medical exam?
What is the rule for converting the policy?
The policy is convertible until the earlier of the end of the term or to age 70
Is temporary coverage available?
Yes, up to $3,000,000
Riders are additions to your overall life insurance policy that turn a basic life insurance policy into something that covers more circumstances.
Child Protection Rider
Provides life insurance coverage for all eligible children.
Disability Income Rider
If you become totally disabled as a result of a qualifying event, you will not have to pay premiums for a fixed period of time.
Accelerated Death Benefit Rider
Allows you to receive a portion of the death benefit if you are diagnosed with a qualifying terminal illness.
Accidental Death Benefit Rider
Pays an additional death benefit on top of the base policy's death benefit if the death resulted from qualifying accidental injuries.
This policy, like all term life policies offered on our site, provides life coverage for a specific period of time (the term). The key features of this policy are standard across all the term policies we offer:
The review on this page is only for this company's term life insurance products.