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Asset Allocation Strategy Questionnaire

for Lincoln Life Variable Life Insurance Policies

In addition to long-term death benefit protection, variable life insurance may provide access to additional cash benefits. In what time frame would you anticipate taking cash distributions from your policy value?

Risk aversion refers to the investor's perception of and attitudes toward the uncertainties involved in investing. For instance, over the long run, riskier investments have the potential to give investors higher returns than less risky investments do. However, an investor must feel comfortable taking on greater risk of losses for the potential of achieving greater returns.
With this in mind, which of the following statements is most consistent with your investment attitudes?

Investment decisions are generally determined by a risk-return tradeoff. Return is the amount earned on an investment. Risk is the possibility of loss of the value of your portfolio.
How would you respond to the following statement?

Protecting the portfolio of funds that support my life insurance policy from loss is more important to me than achieving high returns.

The following graph shows a range of potential gains and losses of five hypothetical portfolios over a one-year period. In which of these portfolios would you prefer to invest?

The following table shows the probable ending values of a $50,000 net premium in five hypothetical portfolios and held for a 3-year period. The portfolio with the highest most likely value could have the lowest ending value. Which of the five hypothetical portfolios would you be most comfortable accepting?

Portfolio	An ending value with a 1 out of 20 chance of doing worse than:	Most likely ending value:
Portfolio A	$52,000	$61,400
Portfolio B	$50,300	$64,200
Portfolio C	$48,000	$66,900
Portfolio D	$45,400	$69,700
Portfolio E	$43,300	$70,600

Inflation can reduce the purchasing power of your money. However, by keeping pace with inflation, investors can maintain the buying power of their money over time.
Which of the following choices best reflects your attitude toward inflation and risk?

The table below shows the risk and return characteristics of five portfolios. The portfolio with the highest most likely gain is also at risk of losing the most. In which portfolio would you want to invest?

The graphs below represent three different portfolios in which your money can be invested. The graphs show the returns from month to month over 10 years. Which investment would you choose?