With New Online Underwriting Tool Lincoln Financial Group Can Deliver Instant Life Insurance Quotes

RADNOR, Pa.–([1])–Life insurance applicants can now receive an accurate, real-time underwriting quote from their advisor through Lincoln Financial Group’s (NYSE: LNC) new online self-service tool, Spectra. Spectra leverages Lincoln’s industry-leading automated underwriting guidelines to provide advisors quotes on behalf of clients covering more than 200 medical, avocational and occupational risks, without the need to email or call a Lincoln underwriter.

“The new Spectra self-service tool represents Lincoln’s continuous focus on advancing the life insurance business model and offering a superior digital customer experience,” said Heather Milligan, Senior Vice President, Underwriting & New Business, Lincoln Financial Group. “Spectra is a leading-edge capability combining technology, data and underwriting best practices to make it faster and more convenient to receive a life insurance quote, and help clients make informed decisions on their coverage.”

On behalf of the clients, advisors can access Spectra 24 hours a day, 7 days a week for instantaneous quotes on all permanent and certain term life insurance products. The simple and intuitive user interface makes it easy to enter data and the tracking capabilities allow advisors and underwriters to link the quote to formal case submissions. The tool can also provide a range of quotes if the full details of a client’s impairments are not known.

Lincoln is committed to investing in data, tools and technologies that enhance the customer experience and make it easier , and quicker, for customers to buy life insurance. Other recent examples of that commitment include a mobile platform for customers to review their underwriting medical exam and laboratory results[2], the expansion of its automated underwriting technology, and the launch of a unified life insurance application and case tracker for advisors[3].

About Lincoln Financial Group

Lincoln Financial Group provides advice and solutions that help empower people to take charge of their financial lives with confidence and optimism. Today, more than 17 million customers trust our retirement, insurance and wealth protection expertise to help address their lifestyle, savings and income goals, as well as to guard against long-term care expenses. Headquartered in Radnor, Pennsylvania, Lincoln Financial Group is the marketing name for Lincoln National Corporation (NYSE:LNC) and its affiliates, including The Lincoln National Life Insurance Company, Fort Wayne, IN, and Lincoln Life & Annuity Company of New York, Syracuse, NY. The company had $260 billion in assets under management as of June 30, 2019. Lincoln Financial Group is a committed corporate citizen included on major sustainability indices including the Dow Jones Sustainability Index North America and FTSE4Good. Dedicated to diversity and inclusion, Lincoln was recognized by Forbes as one of the Best Large Employers, Best Employers for Diversity, and Best Employers for Women. Lincoln also earned perfect 100 percent scores on the Corporate Equality Index and the Disability Equality Index. Learn more at: www.LincolnFinancial.com[4]. Follow us on Facebook[5], Twitter[6], LinkedIn[7], and Instagram[8]. Sign up for email alerts at http://newsroom.lfg.com[9].

LCN: LCN-2696198-082119


  1. ^ (www.businesswire.com)
  2. ^ mobile platform for customers to review their underwriting medical exam and laboratory results (cts.businesswire.com)
  3. ^ expansion of its automated underwriting technology, and the launch of a unified life insurance application and case tracker for advisors (cts.businesswire.com)
  4. ^ www.LincolnFinancial.com (cts.businesswire.com)
  5. ^ Facebook (cts.businesswire.com)
  6. ^ Twitter (cts.businesswire.com)
  7. ^ LinkedIn (cts.businesswire.com)
  8. ^ Instagram (cts.businesswire.com)
  9. ^ http://newsroom.lfg.com (cts.businesswire.com)

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