Lincoln WealthPreserve ® IUL

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
  • Secure the added protection of a living benefit to supplement expenses with your choice of permanent chronic or terminal illness accelerated benefit riders (no upfront costs for our new Lincoln LifeAssureSM ABR).2
  • Gain the potential for tax-advantaged cash value growth

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 8.75% guaranteed for the first 10 policy years.4

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

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.

2Available for ages 20 – 80 if you qualify. Subject to certain requirements. Accelerated death benefits may be taxable and may affect public assistance eligibility. Other account values are reduced proportionately with each acceleration payment. There is no upfront cost for this rider however benefit payments will be discounted upon acceleration for early payment of benefits and an administrative fee will be deducted. Not available in New York.

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 8.75% in years 1 – 10, and 1% thereafter. In New York, the current cap is 8.25% and guaranteed to be no less than 2% in all years. 

Lincoln WealthPreserve® IUL (2017) is issued on policy form ICC17UL6082/UL6082, with optional rider forms ABR-7027/ICC15ABR-7027 and ICC17ABR-7044/ABR-7044, 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.