Price alone doesn’t always make the sale. Competitive rates can only make a difference if they are backed by effcient, customer-focused underwriting.

Here are 10 important reasons why you should think Lincoln for Life — and for underwriting.

1. Industry leading underwriting -customer-focused underwriter teams who really know your business
2. No MD exams up to $50 million face amount, up to age 69 – paramed exam only
3. Exams and blood, HOS, EKG good for one year, up to issue age 69 - treadmills good for two years
4. Table reduction program - Table 3 to standard up to age 70
5. Liberalized routine APS ordering guidelines
6. Family history of cancer does not exclude insured from preferred or preferred best risk classifcation
7. Nontobacco rate for cigar, pipe, or chewer – even if insured tests positive for nicotine
8. No PHI under $1 million, up to age 69
9. Half the requirements for SUL - no treadmills for SUL on face amounts up to $20 million
10. Up to eight weeks of foreign travel can still qualify for preferred and preferred plus