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This document is dated November 8, 2010. It may not be accurate after such date and LNC does not undertake to update or keep it accurate after such date.

Francisco Navarro Joins Lincoln Financial Group's Defined Contribution / 401(k) Team

PHILADELPHIA, November 8, 2010 — Lincoln Financial Distributors, the wholesale distribution subsidiary of Lincoln Financial Group (NYSE:LNC), announced that Francisco Navarro has joined the firm as regional sales director with the Defined Contribution / 401(k) team.

In his new role, reporting to Peter Sims, head of Intermediary Sales, Navarro will be responsible for selling Lincoln's DC Small Market products to financial representatives and third party administrators, throughout Southern California.

Navarro has more than 23 years of experience in the pension arena. Prior to joining LFD, he served as regional sales director at Mass Mutual Retirement Services, Inc. Earlier in his career he held various sales positions with John Hancock USA, and Qualified Benefits, Inc.

Navarro attended California State University, Northridge, and holds a series 6 and 63. He is based in Sherman Oaks, Calif.

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 $150 billion as of September 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.



For more information:

Media Contacts:
Jeff VanPelt
603 226-5216
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.