Lincoln Financial Group Bolsters Suite of Protection-Focused Life Insurance Offerings

New Indexed Universal Life insurance product offers affordable death benefit protection with cash accumulation potential

Lincoln Financial Group today expanded its suite of protection-focused life insurance offerings, introducing Lincoln WealthPreserve® Indexed Universal Life (IUL).

Lincoln WealthPreserve IUL offers affordable death benefit protection, providing beneficiaries the financial security of an asset that transfers to them income tax-free, while providing the flexibility to meet life's changing needs.

"IUL policies are seeing strong interest among consumers, because of their unique ability to capture upside performance with downside protection," said Stafford Thompson, Jr., Senior Vice President of Life Product Management, Lincoln Financial Group. "We believe IUL is an underutilized asset to address a client's wealth transfer and death benefit protection needs. The addition of WealthPreserve IUL to our product suite, combined with our industry-leading variable life product and LifeGuarantee® Universal Life solutions, offers clients a broad range of protection options to choose from to meet their specific needs and goals."

Lincoln WealthPreserve IUL also offers tax-deferred cash growth potential, through the policy's one-year point-to-point capped index account tied to the performance of the S&P 500 Index¹, that can be accessed tax-efficiently as a source of supplemental income for retirement or other needs². It provides a guaranteed one percent minimum interest rate, meaning even in a declining market, policy owners will experience a positive return³, and in the first ten years of the policy, the growth cap is guaranteed to be no less than 8.75 percent.

"In financial planning, protecting family assets continues to increase in importance, and life insurance can play a critical role in meeting those needs as part of a well-rounded financial portfolio," said Andy Bucklee, Senior Vice President of Insurance Solutions Distribution, Lincoln Financial Distributors. "However, there is no ‘one size fits all' solution, which is why Lincoln provides its advisors a diverse portfolio of protection products, to ensure they can offer their clients the best option for themselves and their families."

Lincoln WealthPreserve IUL is available with the new Lincoln LifeAssure^SM Accelerated Benefits Rider (ABR), also introduced today. The LifeAssureABR is offered at no upfront cost, providing access to the death benefit as a source of supplemental funds in the event of permanent chronic or terminal illness.

Enhanced Customer Experience

To enhance the customer experience, Lincoln WealthPreserve IUL, along with other fixed and term products, offers a telephone application (Tele-App) process that allows clients to submit a brief paper or electronic questionnaire (e-ticket) with basic information and then complete a simple phone interview with Lincoln at a time convenient for their schedules. As part of the Tele-App process, underwriting labs can be waived for qualifying clients.

For more on Lincoln WealthPreserve IUL, visit www.LFG.com/lifeinsurance.

Not available in NY.

Disclosure

1. Excluding dividends.
2. Loans and withdrawals reduce the policy's cash surrender value and death benefit.
3. Policy charges remain in effect and could reduce your policy value.

Lincoln WealthPreserve® IUL (2017) is issued on policy form ICC17UL6082/UL6082, with optional rider forms ABR-7027/ICC15ABR-7027 and ICC17ABR-7044/ABR-7044, and state variations by The Lincoln National Life Insurance Company, Fort Wayne, IN, and distributed by Lincoln Financial Distributors, Inc., a broker-dealer. The Lincoln National Life Insurance Company does not solicit business in the state of New York, nor is it authorized to do so.

All guarantees and benefits of the insurance policy are subject to the claims-paying ability of the issuing insurance company. They are not backed by the broker-dealer and/or insurance agency selling the policy, or any affiliates of those entities other than the issuing company affiliates, and none makes any representations or guarantees regarding the claims paying ability of the issuer. Products, riders and features are subject to state availability. Limitations and exclusions may apply. Not available in New York.

The S&P 500 Index is a product of S&P Dow Jones Indices LLC ("SPDJI"), and has been licensed for use by The Lincoln National Life Insurance Company. Standard & Poor's®, S&P® and S&P 500® are registered trademarks of Standard & Poor's Financial Services LLC ("S&P"); Dow Jones® is a registered trademark of Dow Jones Trademark Holdings LLC ("Dow Jones"); and these trademarks have been licensed for use by SPDJI and sublicensed for certain purposes by The Lincoln National Life Insurance Company. The Lincoln National Life Insurance Company's product is not sponsored, endorsed, sold or promoted by SPDJI, Dow Jones, S&P, their respective affiliates, and none of such parties make any representation regarding the advisability of investing in such product nor do they have any liability for any errors, omissions, or interruptions of the S&P 500 Index.

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 LNC and its affiliates. The company had $253 billion in assets under management as of December 31, 2017. Lincoln Financial Group is a committed corporate citizen and was named one of the Forbes Best Employers for 2017, is a member of the Dow Jones Sustainability Index North America, and received a perfect score of 100 percent on the 2018 Corporate Equality Index. Learn more at: www.LincolnFinancial.com. Follow us on Facebook, Twitter, LinkedIn, and Instagram. Sign up for email alerts at http://newsroom.lfg.com.

LCN-2023874-020918