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LINCOLN LIFERESERVE UL (2009)

Flexible Universal Life Insurance coverage with long-term account value accumulation

Lincoln LifeReserve UL (2009) is a universal life policy that builds account value tax-deferred for your future use. Because of universal life insurance's flexibility, tax advantages, and valuable death benefit, Lincoln LifeReserve UL (2009) can be an important asset in your wealth accumulation strategy.

What can Lincoln LifeReserve UL (2009) do for you?

  • Protects you with valuable life insurance
  • Provides the ability to fund your policy to help ensure that you meet future financial needs
  • Offers long-term account value accumulation

Choice and Flexibility

With Lincoln LifeReserveUL (2009), you can choose how to finance your policy by adjusting:

  • The amount and frequency of premium payments, subject to certain IRS guidelines

For people who are looking for cost-efficient protection or for those whose financial needs will grow in the future, Lincoln LifeReserve UL provides three death benefit options:

  • Death Benefit Option 1 (The death benefit will be the greater of the Specified Amount or the IRS Corridor Benefit, less any policy indebtedness)
  • Death Benefit Option 2 (The death benefit will be the greater of the Specified Amount plus account value or the IRS Corridor Benefit, less any policy indebtedness)
  • Death Benefit Option 3 (The death benefit will be the lesser of the DBO 3 Limit or Specified Amount plus total premiums paid prior to age 100, less partial surrenders)

Additional Options

The Accelerated Benefits Rider, available at an additional cost, pays out a portion of the death benefit if you were to fall terminally ill or require permanent nursing home care. It may be elected after policy issue. Please note that in New York, this rider applies to terminal illnesses only and provides no coverage for nursing home stays. Accelerated death benefits may be taxable and may affect public assistance eligibility.
The Accelerated Benefits Rider with Critical Illness pays out a portion of the death benefit if you were to fall terminally ill, require permanent nursing home care, or need help during a critical illness or condition. There is no charge at issue, charge at time of claim. Accelerated death benefits may be taxable and may affect public assistance eligibility. This rider is unavailable in CT, MD, NY and PA.
The Accidental Death Benefit Rider, available at an additional cost, can help offset the financial burden by offering an additional amount in the event of a death due to an accident.
When the Assured Distribution Endorsement is invoked, it guarantees you a specified stream of distributions from your policy, depending on the amount of money in your policy's account value. The charge is applied when exercised.
The Change of Insured Rider allows the owner to transfer the basic policy on the life of the original insured to the life of someone else, pending underwriting. It is available for use in defined benefit plans in businesses with high turnover among nonvested employees and other business applications.
With the Children's Term Rider, available at an additional cost, you have the choice of insuring your child under your own policy.
The Disability Waiver of Monthly Deductions Benefit Rider, available at an additional cost, waives the monthly deduction and other charges if you become totally disabled.
The Disability Waiver of Specified Premium Rider, available at an additional cost, covers you for a monthly specified premium if you become totally disabled.
The Exec Rider allows for higher early cash values for up to 15 policy years, based on a stated percentage of premium contributions.  This rider is unavailable in New York.
The Guaranteed Insurability Rider, available at an additional cost, gives you the ability to increase your death benefit coverage in the future without additional underwriting.
The Overloan Protection Endorsement provides the security of knowing that highly funded, heavily loaned policies will be protected against lapsing in many circumstances and will provide that the net death benefit will be no less than $10,000. There is a charge for executing this endorsement, which is applied at the time it is elected to take effect.
With the Spouse Term Rider, available at an additional cost, you have the choice of insuring your spouse under your own policy. This rider is unavailable in New York.
The Supplemental Coverage Rider, available at an addiitonal cost, gives you the flexibility to add a cost effective death benefit. The Supplemental Coverage Rider terminates at age 100. This rider is unavailable in New York.

Contact your financial advisor today to learn how Lincoln LifeReserve UL (2009) can help protect your legacy.

Important disclosures. Please read.

Lincoln LifeReserveUL (2009) is issued on policy form UL5051 and state variations by The Lincoln National Life Insurance Company, Fort Wayne, IN. The Lincoln National Life Insurance Company is not authorized, nor does it solicit business in the state of New York. In some states, contract terms are set out and coverage may be provided in the form of certificates issued under a group policy issued by The Lincoln National Life Insurance Company to a group life insurance trust. Contractual obligations are backed by the claims-paying ability of The Lincoln National Life Insurance Company.

Policies sold in New York are issued on policy form UL5051N by Lincoln Life & Annuity Company of New York, Syracuse, NY. The contractual obligations are backed by the claims-paying ability of Lincoln Life & Annuity Company of New York.

Product and features subject to availability.

This material was prepared to support the promotion and marketing of universal life insurance products. Lincoln Financial Group®affiliates, their distributors, and their respective employees, representatives, and/or insurance agents do not provide tax, accounting, or legal advice. Any tax statements contained herein were not intended or written to be used, and cannot be used for the purpose of avoiding U.S. federal, state, or local tax penalties. Please consult with your own independent advisor as to any tax, accounting, or legal statement made herein.

Not a deposit. Not FDIC-insured. Not insured by any federal government agency. Not guaranteed by any bank or savings association. May go down in value.

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-2008254ul/200811-2023308