Market Overview

Lincoln Financial Group Makes It Easier for Customers to Apply for Lincoln MoneyGuard II


New application process simplifies forms, shortens interviews and
increases flexibility when adding a linked benefit solution to a
financial plan.

Lincoln Financial Group (NYSE:LNC) has announced a more streamlined and
customizable application process for its Lincoln MoneyGuard® II
policies. The enhancements make it simpler and faster for customers to
get the important protections of MoneyGuard, a flexible universal
life insurance solution offering multiple benefits that can be utilized
based on a client's needs, including a death benefit, reimbursement of
long-term care (LTC) expenses or return of premiums options.

The new application process improves the customer experience with new
forms for non-medical information that advisors can complete on behalf
of clients and with greater efficiency. The enhanced process also now
captures medical information earlier to determine underwriting
eligibility of the applicant sooner.

"As a leader in linked benefit solutions, we continue to invest in this
business to help ensure we're delivering the best-possible experience to
our customers and meet their ever-changing needs," said Heather
Milligan, Senior Vice President, Underwriting & New Business, Lincoln
Financial Group. "The redesigned application package and process
transforms the sale and purchase of the product, making it smarter,
faster and more customizable with forms that are easier to complete,
shorter interviews and greater flexibility in how customers submit

Providing Customers Choice and Control

Based on preference, customers can choose to complete the medical
portions of their application over the phone with a Lincoln
representative, or by completing the paper forms with their advisor.

The new application process is the latest example of Lincoln's ongoing
commitment to enhancing the customer experience. Additional examples
include Lincoln's new online
customer service chat capabilities
and digital claims experience.

For additional information about the product, visit

Issued by The Lincoln National Life Insurance Company, Fort Wayne, IN,
on Policy Form LN880/ICC13LN880 with the following riders: form LR880
and state variations/ICC15LR880 Rev; form LR881/ICC13LR881; form

All guarantees and benefits of the insurance policy are the
responsibility 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 and features, including benefits, terms, and definitions, may
vary by state.

Product not available in New York.

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. The company had $256 billion in assets
under management as of June 30, 2018. Lincoln Financial Group is a
committed corporate citizen and was named one of the Forbes Best
Employers for 2018, 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:
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