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About Hugh Terry & The Digital Insurer

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Services of interest

Arthur D. Little

Arthur D. Little has been at the forefront of innovation since 1886. We are an acknowledged thought leader in linking strategy, innovation and transformation in technology-intensive and converging industries. We enable our clients to build innovation capabilities and transform their organizations. ADL is present in the most important business centers around the world. We are proud to serve most of the Fortune 1000 companies, in addition to other leading firms and public sector organizations. For further information, please visit

Lincoln Financial Group’s new underwriting engine delivers instant life insurance quotes

In View Summary

Lincoln Financial Group provides advice and solutions around retirement, insurance and wealth protection to help support its customers in their lifestyle, savings and income goals and enable them to manage their expenses. The group has more than 17 million customers and manages an AuM of $260bn.

The group has launched a new online underwriting tool which helps in providing accurate, real-time underwriting quotes. The self-service tool is called Spectra and it leverages existing automated underwriting guidelines to provide advisors quotes on behalf of clients covering more than 200 medical, vocational and occupational risks, without the need to email or call a Lincoln underwriter.

Advisors can access Spectra 24X7 for instantaneous quotes on insurance products for clients.  It has a simple and intuitive user interface which makes it easy to access and has tracking capabilities to 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.

“The new Spectra self-service tool represents Lincoln’s continuous focus on advancing the life insurance business model and offering superior digital customer experience. 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,” said Heather Milligan, Senior Vice President, Lincoln Financial Group.

Recently, Lincoln has rolled out a mobile platform for customers to review their underwriting medical exam and laboratory results, the expansion of its automated underwriting technology, and the launch of a unified life insurance application and case tracker for advisors.

Reported Benefits

Benefits to Customers:

  • Improved turnaround time
  • Improved customer journey

Benefit to the Insurer:

  • Real-time decision making
  • Improved customer experience and engagement

The Digital Insurer's View

Today’s customer needs everything in an instant, and insurance is no different. Lincoln’s new underwriting platform helps both agents and customers transact. For agents, it helps in tracking the customer’s policies and to give them advice on their next steps. For customers, it allows them ease and convenience when it comes to making an insurance purchase.


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