Lincoln WealthAccumulate ® IUL (2018)

Lincoln WealthAccumulate® IUL is one seamless life insurance policy that gives you numerous options to help you meet a wide range of future possibilities. Alongside protection for your family or business if you’re not there, you get clear choices for cash value growth potential and ways to access that cash value over time.1

This policy features a choice of three indexed account options — all with access to market opportunity and varying levels of protection, so you can benefit from the potential of the S&P 500 Index. Even in a declining market, you’ll never face a market loss, and the growth potential can help you build cash value that becomes a financial resource to use throughout your life.

Lincoln WealthAccumulate IUL is an ideal solution for individuals and business owners who want: 

  • Significant cash value growth and distribution potential
  • Market upside opportunities and protection from market losses
  • Flexibility to make changes as your needs change
  • The added protection of living benefit options 

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

While indexed accounts are protected by a guaranteed minimum interest rate, or floor, policy charges remain in effect and could reduce the policy value. Also, indexed accounts are all subject to caps, which limit crediting rates.


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.

Lincoln WealthAccumulate® IUL (2018) is issued on policy form ICC18UL6083/UL6083 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 may apply. Not available in New York. Not for use in Massachusetts.