Our digital options are created to reduce the amount of time it takes to issue a policy and exceed your customers’ expectations. Let’s look at some ways you can help your clients explore life products with ease.

Preferred methods

Spectra Online Quick Quote Tool

  • 24/7 online access to generate real-time quick quotes
  • Increased accuracy based on Lincoln’s Underwriting Rule Book with over 220 impairments available for a range of quotes
list of options icon Quick Quote Options

To help better understand your Quick Quote options, use this as a guide:


Specific impairment scenarios for simple quick-hit quotes

Only 14 impairments available from multiple carriers


Mildly complex scenarios with known diagnosis (single or multiple)

Over 200 impairments available for Lincoln quotes

Used for determining if PNT classes are available for tobacco use, build, cholesterol, family history, blood pressure and mildly complex medical histories, avocations and occupations

Range of possible ratings even with incomplete details of impairment(s)


Complex scenarios where diagnosis is uncertain or workup is incomplete

Multiple impairments with additive risk

Cases declined or highly rated by other carriers

Electronic capabilities are not available in New York.