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This document is dated April 9, 2010. 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 Joins Efforts to Raise Awareness About the Critical Importance of Retirement Planning

PHILADELPHIA, April 9, 2010 — The economic turbulence of the past several years has forced America's 78 million Baby Boomers to reexamine and redefine their retirement savings strategies. According to the Center for Retirement Research at Boston College, more than half of American households are "at risk" of being unable to maintain their pre-retirement standard of living in retirement.

To help raise public awareness of the need to comprehensively plan for retirement, the Lincoln Financial Group and the Insured Retirement Institute (IRI) will sponsor National Retirement Planning Week® from April 12–15.

"Many people are focused on rebuilding their savings and are concerned that they won't have the income they'll need to face the planned and unplanned risks during retirement," said Chuck Cornelio, president of Defined Contribution for Lincoln Financial Group. "Employer-sponsored retirement plans like 401(k) and 403(b) plans may be the only way people have to make regular contributions to save. It's more important than ever for people to continue to stay invested and increase contributions consistently over time so they'll be better positioned to enjoy the quality of life they're used to well into retirement."

National Retirement Planning Week® is sponsored by The National Retirement Planning Coalition — a group of prominent financial industry and advocacy organizations that have joined together to raise public awareness of the need for comprehensive retirement planning.

Consumers looking for retirement planning resources can find information, tips and interactive tools online at www.LincolnFinancial.com or at www.retireonyourterms.org.

The Coalition — headed by the IRI — recognizes that the need to educate Americans on retirement planning is an ongoing effort and is committed to making this a national priority. The National Retirement Planning Week® and other coalition activities will demonstrate that it is possible to "Retire On Your Terms" if comprehensive retirement plans are properly developed and managed.

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 $141 billion as of December 31, 2009. Through its affiliated companies, Lincoln Financial Group offers: annuities; life, group life and disability insurance; 401(k) and 403(b) plans; savings plans; and comprehensive financial planning and advisory services. For more information, including a copy of our most recent SEC reports containing our balance sheets, please visit www.LincolnFinancial.com.

About the Insured Retirement Institute
The Insured Retirement Institute (IRI) is a not-for-profit organization and is the authoritative source of all things pertaining to annuities, insured retirement strategies and retirement planning. IRI exists to vigorously promote consumer confidence in the value and viability of insured retirement strategies, bringing together the interests of the industry, financial advisors and consumers under one umbrella. IRI's mission is to: encourage industry adherence to highest ethical principles; promote better understanding of the insured retirement value proposition; develop and promote best practice standards to improve value delivery; and to advocate before public policy makers on critical issues affecting insured retirement strategies. Visit www.IRIonline.org to experience the new, vast resources of the new Insured Retirement Institute for yourself.



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.