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PRESS RELEASES

This document is dated May 20, 2013. It may not be accurate after such date and LNC does not undertake to update or keep it accurate after such date.
   
 

Lincoln Financial Group Expands Fund Options For Variable Annuities
Added flexibility with Lincoln's ChoicePlus AssuranceSM, American Legacy®

RADNOR, PA, May 20, 2013 — Lincoln Financial Group (NYSE:LNC) today introduced several new investment options for its variable annuity product lines. These new options further expand Lincoln's investment choices for advisors who prefer to work with clients in constructing a customized portfolio.

The new investment options, which seek to reduce exposure to market risks, include seven new options for Lincoln ChoicePlus AssuranceSM products and four new options for American Legacy® products.

"Advisors are focused on creating better outcomes for their clients, that's why Lincoln remains committed to providing choice and control in its investment lineup," said Daniel Hayes, Vice President, Funds Management, Lincoln Financial Group. "The expansion of our risk-managed fund options enables advisors to do what they do best, which is provide guidance for their clients, keep them focused on long-term goals and help them maximize their retirement income."

The new options for ChoicePlus AssuranceSM invest in underlying funds that are managed by several well-known asset managers, including BlackRock, Dimensional, Fidelity, MFS and SSgA.

The new American Legacy® funds now allow advisors and their clients to build their own portfolio with Lincoln's primary living benefit riders. These selections can be combined with a fixed income option, in accordance with Lincoln's investment guidelines, to create a diversified portfolio.

The ChoicePlus AssuranceSM and American Legacy® risk-managed fund lineups are made up of asset allocation options, as well as individual asset class options, including large, mid and small-cap funds, as well as domestic and international market exposure.

All of the new funds are now available to Lincoln's national network of distribution partners.

Disclosures

THE AMERICAN FUNDS MANAGED RISK FUNDS, LVIP AMERICAN PROTECTED ALLOCATION FUNDS, LVIP PROTECTED PROFILE FUNDS, AND LVIP RISK PORTFOLIO MANAGEMENT FUNDS ARE NOT GUARANTEED OR INSURED BY LINCOLN OR ANY OTHER INSURANCE COMPANY OR ENTITY, AND SHAREHOLDERS MAY EXPERIENCE LOSSES. THE STRATEGIES USED BY THESE FUNDS ARE SEPARATE AND DISTINCT FROM ANY ANNUITY OR INSURANCE CONTRACT RIDER OR FEATURES.

Variable annuities are long-term investment products designed for retirement purposes and are subject to market fluctuation, investment risk, and possible loss of principal. Variable annuities contain both investment and insurance components and have fees and charges, including mortality and expense, administrative, and advisory fees. Optional features are available for an additional charge. The annuity's value fluctuates with the market value of the underlying investment options, and all assets accumulate tax-deferred. Withdrawals of earnings are taxable as ordinary income and, if taken prior to age 59 1/2, may be subject to an additional 10% federal tax. Withdrawals will reduce the death benefit and cash surrender value.

Investors are advised to consider the investment objectives, risks, and charges and expenses of the variable annuity and its underlying investment options carefully before investing. The applicable variable annuity prospectus contains this and other important information about the variable annuity and its underlying investment options. Please call 888-868-2583 for a free prospectus. Read it carefully before investing or sending money. Products and features are subject to state availability.

Lincoln ChoicePlus AssuranceSM variable annuities (contract form 30070-B and state variations) and American Legacy® variable annuities (contract forms 30070-A, 30070-B and state variations) are issued 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.

Contracts sold in New York (contract forms 30070BNYA, 30070BNYC, 30070BNYAL, 30070BNYN, NY28618-A, 30294-NY, 30070ANYFA1, 30070BNYFA3, and 30070BNYFA1) are issued by Lincoln Life & Annuity Company of New York, Syracuse, NY, and distributed by Lincoln Financial Distributors, Inc., a broker-dealer.

All contract and rider guarantees, including those for optional benefits, fixed subaccount crediting rates, or annuity payout rates, are subject to the claims-paying ability of the issuing insurance company. They are not backed by the broker-dealer or insurance agency from which this annuity is purchased, 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.

There is no additional tax-deferral benefit for an annuity contract purchased in an IRA or other tax-qualified plan.

Lincoln Investment Advisors Corporation (LIAC) serves as the investment advisor to the LVIP Protected Profile Funds and the LVIP Protected American Allocation Funds. LIAC is the subsidiary of The Lincoln National Life Insurance Company responsible for analyzing and reviewing the investment options within Lincoln variable products and providing recommendations regarding these options to Lincoln senior management.

About Lincoln Financial Group
Lincoln Financial Group is the marketing name for Lincoln National Corporation (NYSE:LNC) and its affiliates. With headquarters in the Philadelphia region, the companies of Lincoln Financial Group had assets under management of $186 billion as of March 31, 2013. Through its affiliated companies, Lincoln Financial Group offers: annuities; life, group life, disability and dental insurance; employer-sponsored retirement plans; savings plans; and comprehensive financial planning and advisory services. For more information, including a copy of our most recent SEC reports containing our balance sheets, please visit www.LincolnFinancial.com.

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For more information:


Media Contacts:
Jay Russo
860-466-1324
E-mail: Jay.Russo@LFG.com

LCN 1305-2080862



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Hello future.
Lincoln Financial Group is the marketing name for Lincoln National Corporation and insurance
company affiliates, including The Lincoln National Life Insurance Company, Fort Wayne, IN,
and in New York, Lincoln Life & Annuity Company of New York, Syracuse, NY. Variable products
distributed by broker/dealer-affiliate Lincoln Financial Distributors, Inc., Radnor, PA. Securities
and investment advisory services offered through other affiliates. Explore Lincoln.



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