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This document is dated October 18, 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 Enhances and Expands Group Dental Product Suite

PHILADELPHIA, October 18, 2010 — The Group Protection segment of Lincoln National Corporation (NYSE:LNC) today announced, as part of its ongoing commitment to the group dental market, the enhancement of its extensive group dental portfolio. Lincoln DentalConnectSM has expanded its offerings with the launch of its new programs, SmileRewardsSM and MaxRewardsSM. Both enhancements help members get more out of their dental benefits.

"Lincoln recognizes the critical role dental coverage can play in ensuring one's overall state of health," said Sandra Callahan, Senior Vice President, Group Protection Operations. "As one of the major providers of quality dental benefits, we're committed to giving employers a powerful and easy way to offer the dental protection their employees need, at group rates they can afford."

"We help employers maximize the value of their dental plan with product flexibility and easy plan administration," said Sue Wright, Assistant Vice President, Product Development. "All of this helps ensure that employees will maintain their health through access to dental maintenance and quality care."

SmileRewardsSM helps ensure members have more benefit dollars available for services and procedures; Type 1 services don't count toward the plan's annual maximum. In addition, MaxRewardsSM allows members the opportunity to roll over a portion of their unused annual maximum to help save for future dental treatment they may require. The benefits of MaxRewardsSM also include higher threshold amounts, which make it easier for members to take better advantage of their rollover accounts. The flexible threshold amounts, rollover amounts, and account balance limits all help simplify the transfer process, making it easier to move from similar plan designs into a Lincoln dental plan. Furthermore, employers now have the option to remove claim thresholds and claim requirements.

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 licensed to do so. In New York, group insurance products are issued by Lincoln Life & Annuity Company of New York (Syracuse, NY). Both are Lincoln Financial Group® companies. Product availability and/or features may vary by state. Limitations and exclusions may apply.

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 (The Lincoln National Life Insurance Company, Fort Wayne, IN, and Lincoln Life & Annuity Company of New York, Syracuse, New York), 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.



For more information:

Media Contacts:
Heidi St. Jean
860 466-1759
E-mail: MediaRelations@LFG.com

Sol Kovach
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.