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This document is dated December 21, 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 Small Business Product Suite For Small Group Market

PHILADELPHIA, December 21, 2009 — The Insurance Solutions/Group Protection division of Lincoln Financial Group today announced the national rollout* of its Lincoln Small Business group benefits product suite, currently aimed at the 2–9 life market. Lincoln's Small Business products offer small business owners the same benefits that are enjoyed by larger group clients and which have made Lincoln a leader in the group benefits marketplace.

"With the Lincoln Financial Group® portfolio of benefits — life, AD&D, STD, LTD, and dental insurance — small-business owners can build affordable, attractive benefit packages and gain the leveraging power of a big business," said Chris J. Jakubson, Director — Small Group Business, Insurance Solutions/Group Protection Division. "Lincoln gives them control over the flexible options they want, and the cost-efficiencies they need, which helps them attract and retain top talent. The response has been very positive."

Lincoln has created a dedicated Small Business Center to serve this new client base. The Small Business Center, a home office-based sales support unit, is dedicated to providing brokers with quick quotes and follow-up in support of their customers' needs.

"With our Web technology and efficient processes, we are able to deliver a streamlined, cost-effective, high quality product to our brokers' prospective small business owners and their employees," said Jakubson.

Lincoln's Small Benefit portfolio includes the following features and benefits:

Group Term Life Insurance and Accidental Death & Dismemberment (AD&D)

  • Flat amounts up to $50,000 or 1x annual salary up to $50,000
  • Dependent coverage amounts of $2,000 spouse/$1,000 child(ren)
  • 24-hour AD&D coverage
  • Life waiver of premium for total disability
  • TravelConnectSM travel benefits provided at no cost
  • BeneficiaryConnectSM free assistance to help beneficiaries cope during a difficult and emotional period
  • Accelerated death benefit
  • Air travel claims up $25,000

STD (Short-Term Disability)

  • 50% / 60% benefit to a maximum of $1,500 per week
  • Choice of benefit periods: 13 or 26 weeks
  • Elimination periods of 1/8, 8/8, or 15/15

LTD (Long-Term Disability)

  • 50% / 60% benefit to a maximum of $6,000
  • Additional 10% Progressive Income Benefit
  • $100 minimum
  • Benefit durations of two years, five years, or Social Security Normal Retirement Age (SSNRA)
  • Employee Assistance Program (EAP)
  • Family Care Rider
  • Elimination period of 90 or 180 days


  • Coverage for preventive, basic, and major services
  • 100/80/50 or 80/60/40 plan designs
  • Deductibles: $50 or $100
  • $1,000 or $1,500 annual maximums
  • PPO or indemnity plans
  • Periodontics and endodontics covered as part of major services
  • Employee support via access to the Lincoln DentalConnectSM Web site

* The product is not yet available in Colorado in Pennsylvania.

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.

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:
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.