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PRESS RELEASES

This document is dated August 13, 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 Launches Next Generation Survivorship Variable Universal Life Solution
Guaranteed Lifetime Death-Benefit, Growth Potential, Two Individuals Insured in Single Policy

Radnor, PA, August 13, 2013 — Lincoln Financial Group (NYSE:LNC) today announced the launch of its next generation Lincoln SVULONE (2013), a survivorship variable universal life insurance product combining a guaranteed lifetime death benefit with the freedom to pursue market-driven growth potential that can help meet future liquidity needs.

"Lincoln focuses on continually providing a diverse mix of solutions to help advisors meet their clients' specific needs, and keep financial plans on track in any market environment," said Michael Burns, senior vice president, Life Solutions. "As the latest example, our enhanced SVULONE helps strengthen the position of advisors working with clients insuring two lives in the process of building a financial legacy, providing financial flexibility, and meeting a variety of financial planning needs ranging from estate tax funding to wealth transfer."

Lincoln SVULONE 2013 offers a new competitive pricing structure making it potentially suitable for various premium scenarios, including those in which premiums are paid in three years or less.

Lincoln SVULONE insures two individuals in a single policy. It provides an income tax-free guaranteed death benefit, regardless of market conditions or investment options selected, upon the second individual's death. Lincoln SVULONE also offers flexibility and the potential to enhance benefits based on positive market performance. If the policy's cash value reaches a pre-determined threshold, the client can choose to stop paying premium early, extend the guarantee duration, and/or access their excess policy cash value growth for income, without impacting the guaranteed death benefit.

Lincoln SVULONE offers the freedom to pursue growth potential with diverse investment options from the Lincoln Elite Series of Funds. Without impacting the death benefit, advisors can work with their clients to select from more than 70 investment choices from well-known fund managers to develop a policy portfolio that matches risk tolerance and investment objectives.

Lincoln SVULONE 2013 is also available, at additional cost, with a new optional Estate Protection Rider, which provides an additional insurance benefit for estate preservation.

Lincoln SVULONE 2013 is now available in most states to Lincoln's network of distribution partners.

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 $189 billion as of June 30, 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.

Disclosure
Lincoln SVULONE (2013) is issued on policy form LN697 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.

Lincoln variable universal life insurance is sold by prospectus. Carefully consider the investment objectives, risks, and charges and expenses of the policy and its underlying investment options. This and other important information can be found in the prospectus for the variable universal life policy and the prospectus for the underlying investment options. Prospectuses are available upon request and should be read carefully before investing or sending money. For a current prospectus, please call 800-444-2363 or go to www.LincolnFinancial.com.

Policy values will fluctuate and are subject to market risk and to possible loss of principal. Products, riders and features are subject to state availability. Limitations and exclusions may apply.

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For more information:


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

LCN 201308-2083747



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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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