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LOANS AND WITHDRAWALS

There are a variety of options for accessing policy values - each with its own unique provisions that can affect your financial plans. Whenever possible, we encourage you to consult with your financial advisor to help guide you in making the most informed decision possible. You may also contact Customer Service and one of our associates can summarize the options available under your specific policy. For our phone and fax number/mailing address, please visit our Contact Us section.

Depending upon the terms of your policy, you may have the option of obtaining a portion of your cash value by requesting a policy loan. Loans, which are not repaid, will reduce the death benefit proceeds of the policy. Under most circumstances, loans will not cause a taxable event at the time the loan is taken.*

Some products may also allow you to take a partial withdrawal or partial surrender from your policy's cash value. A withdrawal will permanently reduce the policy's death benefit. Withdrawals may also cause a taxable event.*

Request a Policy Loan
Outstanding loan balances reduce the protection value of your policy. All loans are subject to interest rate charges.

Loan repayments and loan interest payments are encouraged. Loans that are not repaid will reduce the death benefit proceeds of the policy. All outstanding loans will be deducted from the death benefit proceeds when the payment is made to the beneficiary, or at the time the policy is surrendered.

Loans up to $50,000:
Contact Customer Service for assistance or fax/mail the loan form . All variable loans requested over the phone require a telephone authorization form to have been received and on file not less than 30 days prior to the telephone request.

Loans of $50,000 or more:
Mail or fax the loan form to Customer Service.

Note: For loans on policies with multiple owners, for example, Corporate or Trust Owned Policies, please contact Customer Service.

Repay an Existing Loan
Repayment of your loan is necessary to maintain the original death benefit and to avoid a premature lapse of your policy. Loan repayments can be made at any time.

If you are considering paying off your loan in full, please contact Customer Service for a loan payoff quote and mailing address.

Withdraw Cash Value
Some of our products may also allow you to take a partial withdrawal or partial surrender from your policy's cash value. A withdrawal will permanently reduce the policy's death benefit. Withdrawals may also cause a taxable event.*

Please contact your financial advisor or Customer Service to determine if your policy allows a partial withdrawal or partial surrender and to obtain the appropriate form.

Surrender a Policy
We encourage you to contact your insurance professional to discuss the cancellation of your policy, the implications of a cancellation and any additional policy options available to you.

If you prefer, you may contact Customer Service for assistance.

*Our company is not responsible for tax advice. We encourage each policy owner to consult his/her personal tax advisor regarding this and other applicable tax matters.

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.



LCN-2008274