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This document is dated August 20, 2012. It may not be accurate after such date and LNC does not undertake to update or keep it accurate after such date.

James S. Smith Named Leader Of Production In Lincoln Financial Network General Agency Channel For Third Year In A Row

PHILADELPHIA, August 20, 2012 — Lincoln Financial Network, the retail distribution division of Lincoln Financial Group (NYSE:LNC), today announced James S. Smith, President of James S. Smith Financial, has been named #1 Agency with Lincoln Financial Network's General Agency (GA) distribution channel, based on 2011 production.

This recognition is given annually to the leader in production within each of Lincoln Financial Network's distribution channels. This year marks Smith's third year receiving the award, which was presented by John Thomas, Head of the GA channel.

"James has been an incredible asset to our organization and Lincoln Financial Network as a whole," said Thomas. "His hard work and commitment over the years have earned him this recognition."

A forty-three year industry veteran, Smith began working as an agent in the insurance and securities business. After five years as an agent, Smith moved into the home office of Maccabees Mutual Life Insurance Company where he served in various sales, marketing, and product design positions over the next twenty-four years, the last five as Chief Marketing Officer. In 1994, Smith joined Chubb Life in Concord, NH and led the New England region of Chubb Life/Jefferson Pilot Financial as Field Vice President. In 2006, Smith left the company as an employee and began operating his own agency, located in Tellico Village of Loudon, TN, with Lincoln as his primary company.

Smith is a registered representative with Lincoln Financial Securities Corporation and holds the professional designations of Chartered Life Underwriter and Registered Health Underwriter, as well as his Series 26, 6, 63, and 1.

About Lincoln Financial Network Lincoln Financial Network is the marketing name for the retail sales and financial planning affiliates of Lincoln Financial Group and includes Lincoln Financial Advisors Corp. and Lincoln Financial Securities Corporation, both members of FINRA and SIPC. Consisting of approximately 8,000 representatives, agents, and full-service financial planners throughout the United States, Lincoln Financial Network professionals can offer financial planning and advisory services, retirement services, life products, annuities, investments, and trust services to affluent individuals, business owners, and families.

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 $168 billion as of June 30, 2012. 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:
Kathy Vega
E-mail: Kathy.Vega@LFG.com

James S. Smith
E-mail: jsmith@securitiesmail.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.