Lincoln WealthPreserve ® IUL (2017) NY

Lincoln WealthPreserve® IUL offers a long-term death benefit guaranteed that lasts for up to 40 years or to age 90 (whichever comes first).1 It gives you the assurance of long-term guaranteed financial protection with built-in guarantees and flexibility to help you meet your changing needs.

If you want to protect what matters most in your life, create a legacy or liquidity to cover estate taxes, this policy can help you:

  • Preserve assets to protect your family now and later
  • Minimize tax exposure and market volatility on policy assets
  • Gain the potential for tax-advantaged cash value growth
  • Feel confident about your future with the option to add chronic illness protection2

Your policy's interest crediting rate is guaranteed to never go below 1%.3 Since your account options will always earn positive interest, you’ll never have to recover from market losses. There is also a growth cap of no less than 8.25% and guaranteed to be no less than 2% in all years.4

Talk to your financial professional about how Lincoln WealthPreserve® IUL may fit into your financial plan or see our Client Guide.

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

1Minimum premium requirement must be met to maintain the Extended No- Lapse Minimum Premium Rider. Only available with death benefit option 1 and maximum issue age of 79.

2Subject to certain requirements. Limitations and exclusions apply. For additional details, please contact your financial professional.

3Policy charges remain in effect and could reduce your policy value.

4Caps are declared for each indexed account segment at the beginning of the segment year, and once declared will not change. Subsequent rates may differ but will never be less than the guaranteed minimum of 8.25% and guaranteed to be no less than 2% in all years.

Lincoln WealthPreserve® IUL (2017) is issued on policy form UL6082, is issued 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 apply.

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