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LINCOLN VULONE 2012*



A LifeTime guaranteed death benefit with market-driven growth potential

What makes Lincoln VULONE(2012) different?

Like all VUL policies, LincolnVULONE(2012) offers death benefit protection, the potential to build account value, and various investment options. The difference is that Lincoln VULONE(2012) offers something more - lifetime guaranteed death benefit protection with market-driven growth potential.

Investment return and principal value may fluctuate. If surrendered, the cash surrender value may be worth more or less than total premiums paid.

What does Lincoln VULONE (2012) (Variable Universal Life) mean for you?

  • A lifetime guaranteed innovative death benefit, no matter how investment options perform provided the policy is adequately funded
  • Market-driven growth potential for your account value through more than 70 investment options from our Elite Series of Funds
  • Access to tax-advantaged potential cash in the future for your unexpected needs

With Lincoln VULONE (2012), you can enjoy benefits you need today while being sure you're protecting your family or business.

  • Lifetime guaranteed death benefit protection. Lincoln VUL (variable universal life insurance) lets you be sure your loved ones or business, as designated beneficiaries, can continue as you planned - even if you're not there to provide for them.
  • Account value growth potential. Your account value can grow tax deferred. Plus, you can take withdrawals or borrow against it. Loans and withdrawals reduce the policy's account value and death benefit, and may affect guarantees, cause policy lapse, or have tax consequences.
  • Ability to pass on a valuable legacy. Lincoln VUL could provide your beneficiaries with financial resources to pay estate taxes, continue a business, or meet other financial needs.
  • The freedom to invest in a diverse portfolio. Lincoln VUL gives you the flexibility, protection, and tax advantages of life insurance with a range of fixed and variable investment options.
  • The added benefit of tax advantages. With Lincoln VUL, your beneficiaries can receive a benefit free of federal and state income taxes.

How can the Optimal No-Lapse Enhancement (ONE) Rider1 help ensure possibilities for the future?

As long as you fund the policy as specified, the innovative ONE Rider guarantees your death benefit, regardless of market performance, so you participate in potential market growth. The ONE Rider gives you:

The Guaranteed Minimum Death Benefit2- You choose your guaranteed minimum death benefit - from 70% to 100% of the death benefit amount. The higher the percentage, the higher the total premium you'll pay. Even if you choose a guarantee less than 100%, your death benefit will be fully guaranteed for a certain period determined when you buy the policy, based on your situation, such as age or amount of insurance protection selected.

Performance Rewards - With positive market performance, as a result of your cash value growth reaching a pre-determined threshold, you may:

  • Choose to stop paying premiums (assuming your policy was designed with ongoing premiums)
  • Extend the guarantee duration (assuming your policy was not designed with a lifetime guarantee)
  • Access the excess policy cash value above the pre-determined threshold without impacting your guaranteed death benefit (provided through the Premium Reserve Rider, where available)

1The ONE Rider requires automatic rebalancing. Guarantees are based on the claims-paying ability of the appropriate issuing company. If the no-lapse benefit expires or terminates, the account value must be sufficient to keep the policy in-force or additional premiums will be required to avoid a policy lapse. Paying only the premium required to satisfy the no-lapse guarantee may lessen the potential for build-up of the policy's account value. It is a limited benefit in that it does not provide any additional death benefit amount or any increase in your cash value. Also, it does not provide any type of market performance guarantee.

2Guaranteed Minimum Death Benefit and Guaranteed Minimum Death Benefit Percentage are referred to as No-Lapse Death Benefit and No-Lapse Death Benefit Percentage respectively in Maryland

Lincoln VULONE (2012) is issued on policy form LN696 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. Contractual obligations are backed by the claims-paying ability of The Lincoln National Life Insurance Company.

Product and features subject to availability.

Lincoln VULONE is sold by prospectus. Carefully consider the investment objectives, risks, and charges and expenses of the policy and its underlying investment options. This and other important information can be found in the prospectus for Lincoln VULONEand the prospectus for the underlying investment options. Prospectuses are available upon request and should be read carefully before investing or sending money. For a current prospectus, click on the link above.

This material was prepared to support the promotion and marketing of a variable universal life insurance product. 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.

LCN:201208-2070800

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.