Affiliation options & benefits

Our affiliation with Lincoln Financial offers two ways to access the company, neither of which is captive: affiliated and independent.

An affiliated contract includes access to  benefits including medical, dental, disability, life, 401(k), and a pension plan. Here is a closer look at the benefits available:

  • Major medical
  • Dental
  • Life insurance
  • Supplemental life for you, spouse, children
  • FICA match
  • Long-term disability coverage
  • Vision coverage
  • Health care expense account
  • Office space and staff support
  • Annualization
  • E&O coverage discount
  • 401(k) -with employer match
  • Money purchase retirement plan - 5%
  • Excess benefit plan
  • Deferred compensation plan
  • Employee assistance program

If these benefits and options are not important, you may prefer an independent contract, which provides a higher cash payout than an affiliated contract.

Regardless of the way you choose to affiliate with us, our compensation is extremely competitive with flexible payouts.

Value-added programs and services

Through our affiliation with Lincoln, we offer a multitude of marketing materials and marketing  programs to assist producers in gaining access to specialty markets.

  • Competitive Services - When you need responsive, fair, and accurate intelligence on potential product solutions for your clients, the Lincoln Financial Network (LFN) Competitive Services Unit can help. They provide industry-leading intelligence support through competitive case analysis, product positioning, and training – all of which will lead to better solutions for you and your clients. An emphasis is placed on complex, high profile cases with large premiums that require advanced competitive intelligence solutions.
  • LifeComp® - LifeComp is a proprietary marketing and administrative system that offers a family of unique business insurance and executive benefit plans for closely-held business owners and their selected key employees. LifeComp's complete plan administration package ensures proper plan accounting and long-term achievement of plan objectives. LifeComp plans are available through a network of specially trained representatives.
  • LifeLINC®- LifeLINC3 is a conceptual marketing program that repositions certain assets that the client will not need for the future into a vehicle that will provide their family with more spendable income at their death. LifeLINC enables a person to use annuity, CD, and IRA assets that they will not need during life to maximize the transfer of wealth to their family after death; preserving the value of these assets for the next generation.
  • P.A.R.- Professional Analysis and Review (P.A.R) is a marketing program designed to aid agents in making sure their clients have the best possible life insurance solutions available. P.A.R helps the agent perform a thorough review to ensure that the policies that a client owns still meet the needs of the client.

3 LifeLNC is not to be used in conjunction with securities related recommendations.


Our PREMIER PARTNERS program recognizes our top advisors, providing them rewards and recognition for a job well done.

  • Ambassador Benefit - Our Ambassador Benefit provides direct, two-way communication between top advisors and specially selected and appointed key employees who help resolve escalated situations. Ambassadors provide timely and pertinent information and respond to your urgent issues when you call.
  • Underwriting/New Business Priority Service- As a PREMIER PARTNERS member with Lincoln Financial, you will work within your customer-focused, dedicated team of underwriters and new business staff who are familiar with your achievement of PREMIER PARTNERS status. You will have access to the underwriters for case discussions  and our commitment to follow the Lincoln  Financial  philosophy of  "responsibly aggressive" underwriting. Your cases will receive higher prioritization and attention within the team, and as an added benefit, all of your policies will be mailed via Fed Ex.
  • Concierge Desk- To ensure first-class treatment in their business relationship with Lincoln Financial, Partners  have access to a representative dedicated  to answering questions directly related to PREMIER PARTNERS program  benefits and qualification.
  • Image Builder Funds - Image Builder funds provide reimbursement to assist PREMIER PARTNERS members in maintaining a high profile in their communities and are awarded based on the Partner's membership level. Eligible expense reimbursements include, but are not limited to: advertising, hardware/software purchases, industry dues, tuition reimbursement for industry courses,and travel expenses to field meetings.
  • Stock Options- One of the most significant benefits of being a PREMIER PARTNERS member is the opportunity to receive Lincoln Financial Group stock options. Options are generally vested over a three-year period  based on the Partner  re-qualifying for the program.

Honors meetings

At Lincoln Financial, your income opportunities are open-ended. So, too, are the opportunities to earn the distinction and recognition that you r professional excellence deserves. We recognize the significant sales efforts of our top producers with meaningful incentive programs that will help build your business through informative agendas and  networking opportunities.

Life and annuity producers can qualify for two trips:

  • Summit - Held at a first-class international destination such as Africa, China, and a Mediterranean cruise.
  • Convention - Held at a luxurious U.S. resort, such as Grand Wai lea Resort Hotel and Spa, Maui, H I; Wyndham Rio Mar Beach Resort and Spa, Rio Grande, Puerto Rico; and Loews Portofino Bay Hotel, Orlando, FL.  This is an annual trip based on calendar year production qualification.

Producers who are also affiliated with our broker-dealer, Lincoln Financial Securities Corporation, may also qualify for the following trips:

  • Elite Escape - Held at a first-class resort such as Four Seasons Resort,  Whistler,  British Columbia; Sundance Resort, Sundance, UT; and The Sanctuary at Kiawah Island Golf Resort, Kiawah Island, SC.
  • Exchange - Held at a luxurious U.S. resort  such as Green  Valley Ranch, Las Vegas, Nevada; Baltimore Marriott Waterfront, Baltimore,MD; and Grand Hyatt Washington, Washington, DC.

Training meetings

In addition to training done by Advisors Financial Group, Lincoln offers a variety of training meetings designed to keep you at the forefront of industry information and trends, such as:

Planning Forum - This is a broad-based training meeting designed uniquely by the field, for the field. Attendance helps you to keep current on Lincoln and the industry, to grow your practice by learning from the best practices of many of our most successful associates, and to network with you r peers.

Fall Focus - If you meet certain qualification levels within the PREMIER PARTNERS® program, you will be invited to attend Fall Focus, our most advanced training program. Choose from a variety of 10-hour, small group seminars, each concentrating on a single topic of interest. This is a terrific opportunity to grow your practice in a specific area, through in-depth, focused training.

PREMIER PARTNERS® Symposium - If you are a member  of the PREMIER PARTNERS program, you have the opportunity to attend  the PREMIER PARTNERS Symposium, a three-day meeting that features Lincoln's latest products, programs, and practices to help you better prepare you r clients to face a number of financial planning challenges.

Professional software

In today's business environment, you have to be equipped to deliver top-notch support to your clients with up-to-date back office systems and analysis tools. The staff at Advisors Financial Group, combined with  the Lincoln platform  for cutting-edge technology, offers the latest and the best in case design support. The areas our systems encompass include:

  • Sales system
  • Needs analysis
  • Financial planning
  • Product  illustrations
  • Presentation graphics 
  • Advanced sales

Additionally, other industry-leading software  programs - such as Financial Profiles, Impact Technologies, Virtual Sales Assistant, and others - a re available for free or at a deep discount.


Why Join Advisors Financial Group?

At Advisors Financial Group, we're looking for professionals who are looking to build their financial services practice on an entrepreneurial platform. We want to partner with people who pursue professional development on a continuing basis, and will develop financial solutions in areas such as wealth protection  and accumulation, retirement planning, business owner succession. estate planning, insurance analysis, and investment allocation.

If you want to take your business to the next level, consider an affiliation with Advisors Financial Group. You'll be glad you did.