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LINCOLN WEALTHPRESERVESM SURVIVORSHIP IUL

Lincoln WealthPreserveSMSurvivorship IUL (SIUL) is a cost-efficient, indexed universal life insurance policy that protects two lives with one policy. It pays an income tax-free death benefit to beneficiaries at the end of the second insured's life.

If you're a couple who needs estate protection and wealth preservation, this policy can help you:

  • Minimize tax exposure and market volatility on policy assets
  • Pass down more of your estate
  • Protect your family now and later
  • Gain the potential for tax-advantaged cash value growth
  • Enjoy flexibility with the potential for tax-efficient earnings to supplement retirement income and more 1

Your policy's interest crediting rate is guaranteed to never go below 1%. Since your account options will always earn positive interest, you will never have to recover from market losses.2

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 simple 1-Year Point-to-Point Indexed Accounts tied to S&P 500 Index performance to cover a wide range of returns: 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 (DCA) Account that automatically allocates premiums over time to help reduce market volatility 4

See our fact sheet for more information, and talk to your advisor about how Lincoln WealthPreserveSM SIUL may fit into your financial plan.

1Loans and withdrawals reduce policy cash surrender value and death benefit, may cause the policy to lapse, and may have tax implications.

2Policy charges remain in effect and may reduce policy values.

3Excluding dividends.

4Dollar cost averaging cannot guarantee a profit above the 1% guarantee of the product.

Important disclosures:
The S&P 500 Index is a product of S&P Dow Jones Indices LLC ("SPDJI"), and has been licensed for use by The Lincoln National Life Insurance Company and Lincoln Life & Annuity Company of New York. Standard & Poor's®, 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 and Lincoln Life & Annuity Company of New York. The Lincoln National Life Insurance Company's and Lincoln Life & Annuity Company of New York's products are 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 products nor do they have any liability for any errors, omissions, or interruptions of the S&P 500 Index.

Lincoln WealthPreserveSM Survivorship IUL is issued on policy form SUL6035 and state variations by The Lincoln National Life Insurance Company, Fort Wayne, IN, and distributed by Lincoln Financial Distributors, Inc., a broker-dealer. The Lincoln National Life Insurance Company does not solicit business in the state of New York, nor is it authorized to do so.

Policies sold in New York are issued on policy form SUL6035N, by Lincoln Life & Annuity Company of New York, Syracuse, NY, and distributed by Lincoln Financial Distributors, Inc., a broker-dealer.

All guarantees and benefits of the insurance policy are subject to the claims-paying ability of the issuing insurance company. They are not backed by the broker-dealer and/or insurance agency selling the policy, or any affiliates of those entities other than the issuing company affiliates, and none makes any representations or guarantees regarding the claims-paying ability of the issuer.

Products, riders and features are subject to state availability. Limitations and exclusions may apply.


LCN-1090457-010615

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