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This document is dated December 2, 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 Launches Lincoln Rollover Consulting

PHILADELPHIA, December 2, 2009 — Lincoln Financial Group (NYSE: LNC) recently announced the launch of Lincoln Rollover Consulting, a new educational service designed to support exiting or separated from service employees who participate in the Lincoln Alliance® retirement plan program. Lincoln Rollover Consulting is a multi-faceted service that offers comprehensive distribution option guidance and rollover education to help people make well-informed decisions regarding their retirement plan balances.

Between 2009 and 2013, an estimated $1.9 trillion will roll from defined contribution plans to IRAs and $1.3 trillion will transfer among existing IRA providers1. In today's economic environment, many employees have lost or changed jobs or are approaching retirement and are finding themselves faced with important decisions including what to do with the assets they've accumulated in their 401(k) or 403(b) plans.

"The regulations that apply to retirement distributions are complex and mistakes can have devastating consequences that can impact a participant's retirement as well as his or her estate plan," said Tom McGirr, Head of Lincoln Rollover Consulting, Retirement Solutions, Lincoln Financial Group. "Lincoln Rollover Consulting helps participants evaluate their retirement strategy to make sure they keep their retirement plan assets working hard for them."

Lincoln Rollover Consulting is delivered to participants through a team of dedicated, phone-based consultants who provide comprehensive distribution option guidance and rollover education to help plan participants make prudent, well-informed financial decisions. Lincoln Rollover Consultants help evaluate an individual's retirement strategy, review plan distribution choices, discuss possible advantages and disadvantages of each distribution option and help them identify additional resources to support retirement planning.

The launch of Lincoln Rollover Consulting complements Lincoln's existing participant services including Lincoln Retirement Consultants that provide onsite support for employee enrollment, education and planning for both the accumulation and distribution phases of retirement.

For people who may be looking for retirement planning or an IRA solution for their retirement plan assets, Lincoln Financial offers access to a suite of needs-based options including:

  • Comprehensive Retirement Planning — Lincoln Financial Network advisors are available to provide one-on-one support in developing customized retirement income plans.
  • Protection — Annuity solutions that offer guaranteed tax deferred growth, access to assets and help to achieve guaranteed income that cannot be outlived through additional features and benefits, which may be available for an additional charge.
  • IRA Solutions — The Foundation ® IRA is an easy-to-use, low-cost, mutual fund rollover option from Delaware Investments. The Foundation ® IRA also offers participants help in maintaining optimum asset allocation while attempting to minimize risk.

"The launch of Lincoln Rollover Consulting creates an opportunity for us to maintain relationships with our plan participants," said Rob Grubka, Head of Product, Retirement Solutions, Lincoln Financial Group. "By proactively reaching out and offering educational guidance along with needs-based rollover solutions, we believe that Lincoln Financial will be in a better position to help participants reach their retirement goals."

Lincoln Rollover Consultants are registered representatives of Lincoln Financial Advisors Corporation.

Securities offered through Lincoln Financial Advisors Corp., a broker/dealer. Investment Advisory Services offered through Lincoln Financial Advisors Corp. or Sagemark Consulting, a division of Lincoln Financial Advisors Corp., a registered investment advisor.

Mutual fund and variable annuity products are sold by prospectus. Consider the investment objectives, risks, charges, and expenses of the fund or variable product and its underlying investment options carefully before investing. The prospectus contains this and other information about the fund or variable product and its underlying investment options. Read it carefully before investing. To obtain a current prospectus, contact a Lincoln Financial Representative or go to www.LincolnFinancial.com.

Guarantees are based on the claims-paying ability of the issuing company.

1The Cerulli Report — IRA Rollover and Retention: Strategies and Positioning — 2008

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 operating companies of Lincoln Financial Group had assets under management of $137 billion as of September 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 Contact:
Daniela Palmieri
484 583-2986
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.