Our Commitment
Service
- A management and staff team with over 163 years of experience
- We order your exams
- Obtain your APSs
- Shop your life case
- Follow your pending business until placed
- In house compliance officer
Advanced Sales Help
- Thoroughbred management team each have different areas of expertise
- Advanced sales hotline- nationwide expertise to call on for advanced help*
- Investment sales desk- analyze brokerage accounts, help with investment case design, product choice, product comparisons or just answer investment related questions*
- Competitive Services Group - fair and balanced comparison of different companies products and ratings*
- Life sales desk- run illustrations, help with life marketing programs*
Marketing Programs That Help You Sell
- LifeComp- split dollar proposal and administrative system
- Lifelinc- wealth transfer marketing program
- PAR- Professional Analysis and Review of life insurance
- Premium Finance; not available for variable products
- Private finance- private split dollar for estate planning and private split dollar for cash accumulation
- Business Killers Workshop- seminar that helps business owners understand the 6 planning mistakes that can “kill” their business
- Life settlements
- Structured Settlements- structure annuities for settlement of civil suites and annuities that can defer capital gains on the sale of a business
- Captive Insurance Company
- Eagil Exchange
- Financial Profiles
- Annuity Arbitrage
- Asset Diversification Strategy*
Introduction To Marketing Partners & Local Alliances
- Property and casualty agencies
- Community Banks- a broker dealer compliant program that allows you to split a securities commission with a bank
- CPA program- allows split commission on life cases and advisory fees with CPA firms
- Market Access
- Relationships with local attorneys that can help with estate and business insurance**
Choice of contracts
- Offer you a non-captive benefits contract
- Independent contract
- Over 30 major life carriers
- Competitive compensation
Joint work opportunities
- If you have a specialty or niche that other agents can benefit from, we will promote you for joint work, mostly through CE meetings
Continuing Education and Licensing
- CE Meetings 8 times a year, either in classroom or webinar
- “What's new in our industry” Seminars
- Our pledge, “To help expand your knowledge base and grow your business.”
- Complimentary access to ExamFX for insurance and securities exam preparation.
Benefits of Lincoln Being Your Primary Carrier
Premier Partners Program® ***
- Specialized service
- Stock options
- Convention trips
Competitive Underwriting
- Table shaving
- Guarantee issue and simplified issue program
- Non-cigarette tobacco users get standard non-tobacco rates
- No MD exams
- Use of exam, blood and urinalysis up to 12 months old
Competitive Products
- Guaranteed UL, SUL and VUL**
- Index Universal Life
- Competitive term at higher face amounts
- Lincoln MoneyGuard solutions- a hybrid product
- Fixed and Long Term Care Annuities
- Fixed Indexed and Variable annuities** - patented I4Life distribution
Financial Planning
- Financial Profiles software is complimentary, but choice of eMoney, MoneyGuidePro, NaviPlan or Retirement Income Illustrator available through LFS.
- IAR's of LFS can conduct generic financial planning and educational seminars for members of the public, and may charge an attendance fee.
- IAR's of LFS can provide their clients a financial analysis and plan for a fee.
- IAR's of LFS can provide financial consultation services to a client for a fee.
Independent Full Service Broker Dealer
- Lincoln Financial Securities is our Broker Dealer and IA
- Advisory solution Custom Wealth Advantage powered by Envestnet
- National Financial Services is the clearing firm that custodies accounts
- Streetscape advisor portal available as well as app for mobile devices.
- MyStreetscape available for client access.
* Offered through Lincoln Financial Group, the marketing name for Lincoln National Corporation and its affiliates.
** Variable products offered through Representaives of Lincoln Financial Securities
*** Qualification Required. Historical benefits offered.
**** Lincoln MoneyGuard solutions are universal life policies with riders that accelerate the specified amount of death benefit to pay for covered long-term care expenses