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PRESS RELEASES

This document is dated August 25, 2011. 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 Introduces Lincoln LifeReserve® Indexed Universal Life Policy

PHILADELPHIA, August 25, 2011 — Lincoln Financial Group (NYSE:LNC) recently introduced Lincoln LifeReserve® Indexed UL (2011), issued by The Lincoln National Life Insurance Company, Fort Wayne, Ind. Designed for the accumulation of assets along with life insurance protection, Lincoln LifeReserve® Indexed UL (2011) uses the S&P 500 Index to credit interest through the policy's three optional sub-accounts, and each is guaranteed to credit a minimum interest rate of one percent irrespective of the index performance. In addition to the three indexed accounts, Lincoln LifeReserve® Indexed UL (2011) also offers a fixed account option.

Lincoln LifeReserve® Indexed UL (2011) offers a source of tax-advantaged income for expenses such as paying for college or to supplement retirement income. By using the S&P 500 Index, clients have upside account value growth with protection from downside risk when the market declines.

"Lincoln LifeReserve IUL was designed to help clients protect, accumulate and enjoy assets by taking advantage of the strength and consistency of Lincoln Financial, and our expertise in indexed life insurance products," said Mike Burns, Senior Vice President, Life Solutions for Lincoln Financial. "In addition to death benefit protection, this product is another asset accumulation option for clients who may have hit a ceiling with other savings alternatives, such as a 401(k). As an accumulation product, Lincoln LifeReserve IUL is an asset that can help diversify a client's portfolio."

Lincoln LifeReserve® Indexed UL (2011) also offers the following features:

  • Competitive rates, streamlined forms and pre-set illustration software options to enhance the buyer and advisor experience
  • A one-year point-to-point account with a 13 percent cap
  • A 10-year no-lapse guarantee and a 1 percent guaranteed interest crediting rate floor
  • Participating loans, a guaranteed loan rate and overloan protection
  • No account allocation restrictions

Lincoln LifeReserve® IUL is issued on policy form UL 5062 w/F5162-A and state variations by The Lincoln National Life Insurance Company, Fort Wayne, Ind. The Lincoln National Life Insurance Company does not solicit business in the state of New York, nor is it authorized to do so. Guarantees and contractual obligations are backed by the claims-paying ability of The Lincoln National Life Insurance Company.

Products and features are subject to state availability. 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 $164 billion as of June 30, 2011. 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.

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For more information:

Media Contacts:
Sol Kovach
336 691-4999
E-mail: MediaRelations@LFG.com

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.



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