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This document is dated January 13, 2009. It may not be accurate after such date and LNC does not undertake to update or keep it accurate after such date.

Distinguished Financial Planner Joins Lincoln Financial Network, Level Four

PHILADELPHIA, January 13, 2009 — Lincoln Financial Network (LFN), the retail sales and financial planning division of Lincoln Financial Group, announced today that Kristine Stewart, CFP®, ChFC, has joined Level Four Advisory Services, LLC, and Lincoln Financial Securities as a financial advisor and registered representative, respectively in the Crestview, Fla., office. She will provide retirement, estate and business succession planning and related insurance and investment services.

"Kristine brings with her a wealth of knowledge and professional expertise that will undoubtedly enable us to continue to provide our clients with the highest quality service. We look forward to her contributions to the continued success of both organizations," said Level Four Group President and Founding Partner Jake Tomes.

Previously, Stewart worked at H&R Block Financial Advisors, Inc., in Melbourne, Fla.

"We are thrilled that Kristine has chosen to partner with our organizations. She represents precisely the type of high quality financial services professional that is the cornerstone of the aggressive growth model for both Lincoln Financial Network and Level Four Group," said Chris Flint, head of recruiting for Lincoln Financial Network.

Level Four Advisory Services, an SEC registered investment adviser, has penetrated traditional financial services communities by establishing retail operations in select markets across the country. These offices are strategically placed to compete with traditional wirehouse and bank advisors in an independent environment.

About Lincoln Financial Network
Lincoln Financial Network is the marketing name for the retail sales and financial planning affiliates of Lincoln Financial Group and includes Lincoln Financial Securities Corp. and Lincoln Financial Advisors Corp., both members of FINRA and SIPC. Consisting of more than 7,000 independent representatives, career agents, and full-service financial planners throughout the United States, Lincoln Financial Network professionals can offer planning and advisory services, retirement services, life products, annuities, investments, and trust services to affluent individuals, business owners, and families.

About Lincoln Financial Securities Corporation
An affiliate of Lincoln Financial Group, Lincoln Financial Securities Corporation (LFS) has served investors for more than 30 years. LFS professionals provide effective, long-term financial solutions to individuals and small businesses, offering a wide array of securities, variable insurance products, and advisory services. Additional information about Lincoln Financial Securities Corporation, a member of FINRA and SIPC, can be found at www.lfsecurities.com.

About Lincoln Financial Group
Lincoln Financial Group, headquartered in Philadelphia, is the marketing name for Lincoln National Corporation (NYSE:LNC) and its affiliates. Through its affiliated companies, Lincoln Financial Group offers: annuities; life, group life and disability insurance; 401(k) and 403(b) plans; savings plans; mutual funds; managed accounts; institutional investments; and comprehensive financial planning and advisory services. Affiliates also include: Delaware Investments, the marketing name for Delaware Management Holdings, Inc. and its subsidiaries; and Lincoln UK. For more information, including a copy of our most recent SEC reports containing our balance sheets, please visit www.LincolnFinancial.com.



For more information:

Media Contacts:
Jeff VanPelt
603 226-5216
E-mail: MediaRelations@LFG.com

Jake Tomes, Level Four Group, LLC
972 665-0878
E-mail: jtomes@levelfourgroup.com

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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.