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This document is dated Aug 23, 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 Launches New Hybrid Life Product

Lincoln DurationGuaranteeSM UL

PHILADELPHIA, August 23, 2010 — The Individual Life segment of Lincoln National Corporation (NYSE: LNC) today announced the enhancement of its comprehensive life insurance line with the launch of Lincoln DurationGuaranteeSM UL. Issued by The Lincoln National Life Insurance Company, this new hybrid product further expands Lincoln's comprehensive insurance solution set by combining the flexibility and guarantees of universal life with the affordability of term insurance.

"Lincoln is an industry leader in the creation of innovative, quality, life insurance solutions," said Michael Burns, Senior Vice President, Individual Life Product Management, Insurance Solutions. "We are very excited to introduce this new universal life offering that will further complement our traditional term and universal life solutions — helping us reach a market that is becoming increasingly relevant as a result of clients' changing financial dynamics."

Lincoln DurationGuaranteeSM UL offers affordable guaranteed coverage for clients, specifically designed for the duration they need, including:

  • Shorter coverage durations offered at ages not typically covered by term insurance;
  • Affordable short guarantee coverage for selected periods of 10, 15, 20, 25, or 30 years, or to age 95;
  • 1035 rollover capability for short duration coverage at all ages; and
  • Flexibility to decrease face amount or premium payment options (charges may apply).

"With Lincoln DurationGuaranteeSM UL, we now offer the most comprehensive solutions for fixed universal life needs," said Michael Parker, Assistant Vice President, Fixed Life Product Leader. "From true term insurance coverage to guaranteed UL with lifetime guarantees or shorter durations, Lincoln has the right product solution."

Important disclosures. Please read.
Issued by The Lincoln National Life Insurance Company, Fort Wayne, IN, on policy form UL5026 and state variations. Products and features subject to state availability. Limitations and exclusions may apply. Not available in New York.

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 $140 billion as of June 30, 2010. 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.


Media Contact:
Heidi St. Jean
Lincoln Financial Group
860 466-1759
E-mail: MediaRelations@LFG.com

Sol Kovach
Lincoln Financial Group
336 691-4999
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.