Lincoln WealthAdvantage ® Indexed UL

Lincoln WealthAdvantage® Indexed UL can help your clients plan for the future they want. It’s designed for clients with a conservative market outlook who want to balance guaranteed features and growth potential.

Strategize with a choice of three design options for:

Wealth protection and legacy planning

  • Cost-efficient death benefit protection for their beneficiaries
  • Tax-efficient policy cash value growth potential
  • 10-year no-lapse protection

or

Tax-efficient, supplemental retirement income1
 

  • Strong cash value growth potential with three indexed account options for greater asset diversification: conservative, moderate or aggressive diversification doesn’t assure a profit or protect against market loss
  • Participating loans for greater income potential by including all of their policy cash value ― even the amount they borrow ― in indexed account growth1
  • A fixed loan option with a guaranteed loan charge rate, for more predictability, if  needs change1

or

Business protection

  • Optional Surrender Value Enhancement Endorsement provides an enhanced cash value vehicle for the small business marketplace
  • A powerful recruitment and retention tool, when used in a variety of nonqualified plan designs
  • An asset for your executive benefits strategy, which can be used to fund your executive bonus insurance
  • High early cash surrender value potential for your balance sheet
  • Business protection from the financial impact of the death of an owner or key person
  • A funding vehicle for succession planning and buy-sell agreements

Growth Opportunities, Account Options

The three indexed account options each have a 1% guaranteed minimum interest rate. Since accounts never earn a negative interest rate, clients never have to recover from losses from a market downturn.

Help your clients select an account that works for them or diversify with a blend of accounts to help maximize returns. They can choose from:

  • Three 1-Year Point-to-Point Indexed Accounts tied to S&P 500 Index performance2
     
  1. High-participation account: Performs best when S&P returns are lower
  2. Capped account: Performs best with moderate S&P performance
  3. Uncapped account: Performs best when S&P returns are at their highest
     
  • A Fixed Account that offers predictable growth
  • An optional Dollar-Cost Averaging (DCA) Account that automatically allocates premiums over time and helps reduce volatility3

Competitive Advantages

  • 1% guaranteed minimum crediting rate, even if the S&P 500 Index has a negative year4
  • Participating loans with a guaranteed loan rate and maximum cash flow potential1
  • Fixed loan option with a guaranteed loan rate for more predictable cash flow potential, if goals change1
  • Persistency bonus for longtime policy ownership, giving clients a guaranteed annual interest rate enhancement in policy year 16 and after, regardless of S&P 500 Index performance.
  • Cap reduction protection that allows clients to surrender their policies without surrender charges if the cap on the 1-Year Point-to-Point Indexed Account is reduced to 6% or less.
  • Optional Lincoln LifeEnhance® Accelerated Benefits Rider for a source of supplemental tax-advantaged funds in the event of a permanent chronic or terminal illness.5

Lincoln WealthAdvantage® Indexed UL is issued on policy form UL6046/ICC15UL6046, with optional rider form ABR-7027/ICC15ABR-7027, 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 insurance policy benefits are subject to the claims-paying ability of the issuing insurance company.

1Loan distributions are taken through loans and withdrawals which reduce your policy’s cash surrender 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.
2Excluding dividends.
3Dollar cost-averaging cannot guarantee a profit or prevent losses in declining and volatile markets.
4While account options are protected by a 1% guaranteed minimum interest rate, policy charges remain in effect and could reduce the policy value.
5Available for an additional cost at policy issue, subject to requirements. Accelerated death benefits may be taxable and may affect public assistance eligibility

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