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This document is dated July 2, 2013. It may not be accurate after such date and LNC does not undertake to update or keep it accurate after such date.

Lincoln Small Business Nearly Doubles Group Size Of Lives Served
Expanded group size further penetrates the small business market and offers control, cost-effectiveness to employers

RADNOR, PA., July 2, 2013 — Lincoln Financial Group (NYSE: LNC) announced today that its Lincoln Small Business area is increasing the group size it serves from 2-14 lives, to 2-24 lives. The expansion will further increase the company's presence in the small business group benefits market and increase sales opportunities for sales representatives and brokers.

The Lincoln Small Business unit is part of Lincoln Financial's Group Protection operations, offering life, AD&D, short and long term disability, dental and vision insurance to smaller businesses. The unit's successes have led to the second expansion of its target group size within the last two years.

"Our aim is to help small-business owners build affordable, attractive benefit packages and gain the leveraging power of a big business," said Bob Risk, senior vice president of group protection sales and distribution for Lincoln Financial Group. "Increasing the group size for up to 24 lives extends small-business benefits to even more customers, enlarging our small business market, while allowing our sales representatives to concentrate on larger group cases. This increased flexibility makes Lincoln an even more attractive provider to our clients."

Chris Jakubson, director of Lincoln Small Business, spoke to the unit's key strengths as cause for its success and foundation for expansion.

"We provide small businesses access to a strong and diverse portfolio, direct contact through a dedicated sales desk, and competitive pricing," Jakubson said. "Because the Lincoln Small Business unit focuses solely on small businesses, we are able to hone in on the market and create the best benefit package possible for each employer. We are committed to providing the same outstanding service and responsiveness brokers have expected and received from us in the past. Lincoln sales representatives for groups with more than 24 employees have not changed."

Lincoln Financial uses the same contract for small employers as for large employers, and Lincoln's products are composite-rated and most plans are written on a guarantee issue basis.

To learn more about Lincoln Small Business, please visit www.LincolnFinancial.com/SmallBusiness.

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 $186 billion as of March 31, 2013. Through its affiliated companies, Lincoln Financial Group offers: annuities; life, group life, disability and dental insurance; employer-sponsored retirement 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:
Anthony Campese
E-mail: Anthony.Campese@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.