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This document is dated October 27, 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 Life and Disability Coverage, Launches Online Web-Based Tools

PHILADELPHIA, October 27, 2009 — The Insurance Solutions/Group Protection division of Lincoln National Corporation (NYSE:LNC) today announced the enhancement of its group Life and Disability insurance products with the launch of new online web-based tools. With enriched service capabilities, Lincoln's online evidence of insurability feature now offers a faster application submission process, while eliminating unnecessary paperwork.

"Our focus is on consistently improving our customer service," said Heidi Dross, Vice President, New Business — Administrative Risk Services for Group Protection. "These new web-based tools offer easy, confidential collection of required medical evidence while providing employers with an easy-to-access status report of all pending applications."

The plans also offer increased ease of administration through Lincoln's industry-leading "I-TeamSM (Implementation Team)," which delivers fast, accurate and error-free implementation.

"Lincoln's I-TeamSM creates such a seamless and streamlined process," said Dross, "With the addition of our new online evidence of insurability capability, connected into our reporting system, we can offer employers further simplification of the administration process and shortened time cycles for our Life and Disability product lines."

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.