Lincoln Financial gives you the product depth to serve clients who need real coverage — high face amounts, sophisticated business planning structures, and premium market underwriting that rewards healthy clients. Through The Life GA, you get contracted and trained to compete at the top of the market.
✦ High face amount term — millions in coverage
✦ Buy-sell & key man business planning
✦ Competitive preferred market underwriting
✦ 175+ years of financial strength
Who You're Writing This For
Lincoln is the carrier for the cases most agents refer out or walk away from. With The Life GA, you keep that business.
Business Planning
Business owners need life insurance structured around their company — not just their family. Lincoln's term and UL products are built for buy-sell funding and key person protection, with the face amounts to actually cover what a business is worth.
High Net Worth Families
Wealthy families need coverage that matches their actual financial exposure — income replacement at executive comp levels, mortgage protection on high-value real estate, and estate liquidity planning that works at scale.
Executive Benefits
Companies use permanent life insurance to reward and retain key executives — COLI, BOLI, split-dollar arrangements, and deferred compensation plans funded through life insurance. Lincoln has the product shelf and financial strength these clients require.
Wealth Accumulation
For clients who've maxed their 401k and IRA and need another vehicle — Lincoln's UL and IUL products provide tax-advantaged accumulation with flexible access to cash value and a death benefit that protects the legacy they're building.
Why Lincoln Financial
When your client is funding a buy-sell agreement or buying $5M in coverage to protect their family, they need to know the carrier will be there to pay. Lincoln's track record, ratings, and financial strength are part of your sale.
Lincoln's preferred and preferred plus underwriting classes reward healthy clients with significantly better rates — making you competitive on the cases where price matters most.
From 10-year term to survivorship UL to indexed products — Lincoln's shelf covers every sophisticated planning need your high-net-worth clients bring to the table.
Lincoln has dedicated business market resources — illustration specialists, case designers, and business planning tools that help you close the complex cases.
In the high-net-worth market, carrier credibility matters. Lincoln Financial is a name business owners and executives already know and trust.
Product Lines
Lincoln's product shelf is built for agents who serve clients with real financial complexity.
High face amount term with competitive preferred market rates. 10, 15, 20, and 30-year options. The workhorse for income replacement, mortgage protection, and buy-sell funding.
Flexible permanent coverage with adjustable premiums and death benefit. Ideal for long-term estate planning, executive benefits, and clients who need permanent coverage with flexibility.
Index-linked growth with downside floor protection. Tax-advantaged accumulation for clients who've maxed traditional retirement vehicles and want another bucket.
What We Provide
High-net-worth and business market cases require a different level of support. We're built for it.
Marketing targeting business owners, CPAs, and financial advisors — the referral network that feeds Lincoln cases.
Get appointed with Lincoln and writing business quickly. We handle the paperwork so you can focus on the cases.
Buy-sell, key man, COLI, split-dollar — we train you to speak the language of business owners and their advisors.
Complex cases need experienced illustration support. We help you design and present the right structure for each client.
A real person who knows Lincoln's product shelf and can help you navigate the complex cases from quote to close.
Build a referral network with CPAs, attorneys, and financial advisors who regularly send business planning cases your way.
Compensation
Lincoln's comp structure rewards the agents who close the big cases — with override opportunities for agency owners.
Independent agents writing Lincoln through The Life GA receive top street-level commissions across term, UL, and IUL products. High face amounts mean meaningful commissions on every case you close.
Agency owners earn override compensation above street level on every Lincoln policy their producers write. In the premium market, where case sizes are larger, those overrides add up fast.
Exact comp details shared on your onboarding call. Schedule yours →
Get Contracted
If you've been walking away from high-net-worth clients, business owners, or large cases because you didn't have the right carrier — that stops now. Book a 30-minute call and we'll walk you through Lincoln's product shelf, comp, and how to start closing bigger business.
Schedule a 30-Min Call