Our Commitment


  • 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