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This document is dated September 1, 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 Enhances Its Group Protection Business With Launch Of Lincoln Critical Illness Insurance
Flexible Employee-Paid Benefit Allows Employers to Build a Plan Unique to the Needs of their Business and Workforce

PHILADELPHIA, September 1, 2011 — Lincoln Financial Group (NYSE:LNC) today announced the introduction of Lincoln Critical Illness Insurance, a flexible employee-paid benefit allowing employers to configure a plan that offers their employees more choices to elect coverage that better suits their individual needs. Through Lincoln Critical Illness Insurance, employers may customize protection for employees with a choice of benefit amounts and a wide variety of care categories including heart, cancer, organ, quality of life and child.

Through the Lincoln CareCompassSM foundational benefit, a robust offering of care advocacy and wellness services are standard on all critical illness plans. This unique offering provides employees with a cash benefit for health assessments and child care expenses; it also provides health advocate services, travel assistance and various additional support services, many of which employees and their families can use even if they're never critically ill.

"The addition of Critical Illness Insurance to Lincoln's product portfolio builds upon our success in the employee-paid market, providing employers with a suite of innovative insurance and enrollment options to meet the evolving needs of their workforce," said Dave Swanson, Vice President, Product Operations. "Through employee-paid benefits such as Critical Illness, Lincoln can now offer supplemental insurance to provide protection where traditional insurance leaves off. Our consumer research also influenced the development of CareCompass, which was designed to address significant challenges of daily life faced by individuals going through critical illnesses."

In addition to the flexible coverage of Lincoln Critical Illness Insurance and the signature Lincoln CareCompassSM foundational benefit, product highlights include:

  • A cash benefit issued when an insured person is diagnosed with a covered critical illness
  • Lincoln's Smart EOI (evidence of insurability) tool, which eases the enrollment process by providing real-time feedback on eligibility status
  • A consultative, needs-based enrollment approach, empowering employees to make informed buying decisions on their benefits
  • The option for benefits to be paid for multiple illnesses and recurring illness, even within the same category of care
  • Fully portable coverage, allowing employees to keep their insurance even after they leave employment
  • Coverage available for spouse and children
  • Guarantee issue amount options available

Brokers and employers interested in learning more about Lincoln Critical Illness Insurance should contact a Lincoln sales representative for additional information.

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, disability and dental 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:
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.