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This document is dated October 8, 2009, 2009. 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 Enhances Group Dental Coverage, Launches Customized Flexibility in Benefits

PHILADELPHIA, October 8, 2009 — The Insurance Solutions division of Lincoln National Corporation (NYSE:LNC) today announced the enhancement of its Dental coverage with the launch of new benefit features. These features are available on the Lincoln DentalConnectSM PPO plan, which includes more than 58,000 unique providers and over 105,000 provider locations, offering even greater choices for affordable, local dental care.

Earlier this year, coverage for dental implants and posterior composite fillings were added as optional benefits. This month, Lincoln — already a leader in the group ancillary market — is further solidifying its position with new product enhancements, which offer a virtually unlimited array of benefit plan options for employer groups. The Lincoln DentalConnectSM product now delivers expanded options to plan sponsors — from low-cost coverage options to plans offering the most comprehensive benefits. These new benefits are available to employers through PPO plans, traditional fee-for-service plans, and scheduled benefit plans.

"The differing plans, features and benefits allow the flexibility to create a customized design that will best suit a particular plan sponsor's specific needs," said Dave Swanson, Vice President, Product Development for Group Protection. "We also can better match current plan designs, minimizing disruption to members."

The types of services covered include preventive, diagnostic, basic, major and orthodontic. The plans also offer ease of administration through Lincoln's industry-leading "I-TeamSM (Implementation Team)", which delivers fast, accurate and error-free implementation.

"This enhanced benefit flexibility gives employers an advantage in being able to offer an extremely valuable dental benefit for their employees, which will help them to attract and retain employees," said Swanson, "while our comprehensive, updated provider/location listing helps ensure skilled dentists are always available within each local area. We're committed to making quality dental care accessible to our customers."

To review the expanded panel of dental providers and/or additional information about Lincoln's full portfolio of employee benefit products" including Lincoln DentalConnectSM — visit www.LincolnFinancial.com/dentist.

Group insurance products are issued by The Lincoln National Life Insurance Company (Fort Wayne, IN), which does not solicit business in New York nor is it authorized to do so. In New York, group insurance products are issued by Lincoln Life & Annuity Company of New York (Home Office: Syracuse, NY). Both are Lincoln Financial Group Companies. The group insurance division of Lincoln Financial markets ancillary (non-medical) group and voluntary insurance products including life and AD&D, long-term and short-term disability and dental, programs through a national distribution system consisting of 41 sales offices with two home offices in Omaha, NE and Atlanta, GA.

Product availability and/or features may vary by state. Products are subject to exclusions and limitations -please contact your Lincoln Financial sales representatives for complete details.

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 $181 billion as of June 30, 2009. 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. 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:
Heidi St. Jean
860 466-1759
E-mail: MediaRelations@LFG.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.