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Lincoln LifeReserve® Indexed UL Accumulator (2014) is a single life indexed universal life policy that gives you

  • Predictability and reduced volatility on policy assets
  • Tax-advantaged growth potential
  • Opportunities for tax-efficient income for the future 1
  • An income tax-free death benefit
  • Guaranteed loan rates when taking future income

For complete information about Lincoln LifeReserve® Indexed UL Accumulator, see our fact sheet.

Lincoln LifeReserve® IUL Accumulator is a potential source of future tax-efficient income to help with anything you choose1. Supplemental retirement income. College tuition. Vacations. A second home.

Your interest crediting rate is guaranteed to never go below 1%. Since your accounts will never earn a negative interest rate, you'll always see positive interest credited.2

Account options for potential growth

Your advisor can help you select an account that works for you or diversify with a blend of accounts to help you meet your goals. Each account credits interest differently. Choose from:

  • Three 1-year point-to-point indexed accounts tied to S&P 500 Index performance 3
    1. High-participation account -- Performs best when S&P returns are lower
    2. Capped account -- Performs best with moderate S&P performance
    3. Uncapped account -- Performs best when S&P returns are at their highest
  • A Fixed Account that offers predictable growth
  • An optional Dollar Cost Averaging Account 4 that automatically allocates premiums over time and helps reduce volatility

Ask your advisor about the optional Lincoln LifeEnhance® Accelerated Benefits Rider. Add it at policy issue for a source of supplemental tax-advantaged funds in the event of a permanent chronic or terminal illness, subject to requirements.5

1 Loans and withdrawals reduce policy cash surrender value and death benefit, may cause the policy to lapse, and may have tax implications.
2 Policy changes remain in effect and could reduce your policy values
3 Excluding dividends
4 Dollar cost averaging cannot guarantee a profit or prevent losses in declining and volatile markets
5 Available for an additional cost at policy issue. Accelerated death benefits may be taxable and may affect public assistance eligibility

The S&P 500 Index is a product of of S&P Down Jones Indices LC ("SPDJI"), and has been licensed for use by The Lincoln National Life Insurance Company. Standard & Poors®, S&P® and S&P 500® are registered trademarks of Standard & Poor's Financial Services LLC ("S&P"); Dow Jones® is a registered trademark of Dow Jones Trademark Holdings LLC ("Dow Jones"); and these trademarks have been licensed for use by SPDJI and sublicensed for certain purposes by The Lincoln National Life Insurance Company. The Lincoln National Life Insurance Company's Product is not sponsored, endorsed, sold or promoted by SPDJI, Dow Jones, S&P, their respective affiliates, and none of such parties make any representation regarding the advisability of investing in such product nor do they have any liability for any errors, omissions, or interruptions of the S&P 500 Index.


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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.