Lincoln WealthAccumulate ® 2 IUL (2020)

Lincoln WealthAccumulate® 2 IUL (2020) is a life insurance policy that can give you flexibility for growth, access to cash value, and financial protection. It offers all the options you need to help meet a wide range of future possibilities: protection for your family or your business, choices for growth opportunities, and ways to access your cash value when you want it.1

This permanent coverage combines a death benefit to protect what matters most in your life today, as well as growth potential through six indexed accounts2:

  • Fidelity AIM®Dividend Indexed Account - Fixed Bonus
  • Fidelity AIM® Dividend Indexed Account
  • S&P 500® Multiplier Indexed Account
  • S&P 500® Fixed Bonus Indexed Account
  • S&P 500® Traditional Indexed Account
  • S&P 500® Performance Trigger Indexed Account
Fidelity AIM Dividend Index

See how the Fidelity AIM Dividend Index works.

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This can help you build cash value and become a financial resource to use throughout your life or to supplement your retirement income. So, you can leave all your options open with one policy that provides:

  • Significant growth opportunities with choices to help increase your wealth over time
  • Access to cash value to do the things you want in life1
  • Downside protection to help shield you from market losses3
  • Financial security for your loved ones or beneficiaries
  • The option to add chronic illness protection4
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Make your life insurance policy work for you

Ask your financial professional for more information about adding optional protection.

1Loans and withdrawals reduce policy value and death benefit, may cause the policy to lapse and may have tax implications.
2Excluding dividends.
3Policy charges remain in effect and could reduce your policy value.
4Subject to certain requirements. Limitations and exclusions apply. For additional details, please contact your financial professional.

Distributions are taken through loans and withdrawals, which reduce a policy's cash value and death benefit and may cause the policy to lapse. Loans are not considered income and are tax-free. Withdrawals and surrenders are tax-free up to your cost basis, provided your policy is not a modified endowment contract (MEC). A MEC policy is one in which the life insurance limits exceed certain high levels of premium or the cumulative premium payments exceed certain amounts specified under the Internal Revenue Code. For policies that are MECs, distributions during the life of the insured, including loans, are first treated as taxable to the extent of income in the contract, and an additional 10% federal income tax may apply for withdrawals made prior to age 59½.

The S&P 500 Index is a product of S&P Dow Jones Indices LLC, a division of S&P Global, or its affiliates (“SPDJI”), and has been licensed for use by The Lincoln National Life Insurance Company. Standard & Poor’s® and S&P® are registered trademarks of Standard & Poor’s Financial Services LLC, a division of S&P Global (“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.

Lincoln WealthAccumulate® 2 IUL (2020) is issued on policy form ICC20UL6092/UL6092 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. 

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 apply. Not available in New York. Not for use in Massachusetts.

It is possible coverage will expire when either no premiums are paid following the initial premium, or subsequent premiums are insufficient to continue coverage.

The Fidelity AIM® Dividend Index (the “Index”) is a product of Fidelity Product Services LLC (“FPS”) and has been licensed for use by The Lincoln National Life Insurance Company and its affiliates and reinsurers (“Lincoln”). Fidelity is a registered trademark of FMR LLC. The Index is the exclusive property of FPS and is made and compiled without regard to the needs, including, but not limited to, the suitability needs of Lincoln or any Lincoln life insurance owner. Lincoln exercises sole discretion in determining whether and how the life insurance will be linked to the value of the Index. FPS does not provide investment advice to owners of the life insurance, and in no event shall any Lincoln life insurance policy owner be deemed to be a client of FPS. Neither FPS nor any third party involved in, or related to, making or compiling the Index makes any representation regarding the Index, Index information, Index or market performance, life insurance generally or the Lincoln life insurance in particular, and Lincoln life insurance is not sold, sponsored, endorsed or promoted by FPS or any other third party involved in, or related to, making or compiling the Index (including the Index calculation agent, as applicable). FPS disclaims all warranties, express or implied, including all warranties of merchantability or fitness for a particular use; does not guarantee the adequacy, accuracy, timeliness, and/or completeness of the Index or any data or communication related thereto; and assumes no liability for errors, omissions, or interruptions of the Fidelity AIM® Dividend Index.