Lincoln AssetEdge® VUL (2020)

Give your financial future an edge with Lincoln AssetEdge® VUL (2020).

Lincoln AssetEdge® VUL is a variable universal life insurance policy that offers income tax-free death benefit protection along with tax-efficient cash value growth and supplemental income potential.

Invest the way you want for tax-efficient growth potential

  • No income limits 1
  • Freedom to pursue market-driven, tax-efficient growth potential from more than 75 variable investment options, plus four indexed account options and a fixed account
  • Complete ownership and control of your variable investment options

Be prepared for future needs with tax-efficient income potential

  • An income tax-free death benefit to help you protect your family now and later
  • Income potential through policy loans or withdrawals — including indexed account participating loans with guaranteed downside protection2
  • Optional rider that can provide a source of supplemental, tax-advantaged funds in the event of permanent chronic or terminal illness. Available at issue at an additional cost, where available.

Get added security with a no-lapse provision for up to 20 years3

How does my money grow? Lincoln AssetEdge® VUL offers a range of allocation options to fit your investment objectives. Craft your portfolio to match your investment style with:

  • More than 75 market-driven variable investment options
  • Four Indexed Account options tied to the S&P 500 Index4 (excluding dividends)
  • A fixed account that offers predictable growth

As your life and financial goals change, you have the ability to adjust your investment allocations to keep them aligned with your risk tolerance and investment objectives.

By adding an Accelerated Benefits Rider at policy issue, your death benefit can become a living benefit when you need it most.5  Choose chronic illness or long-term care protection so you can feel confident about the years ahead.

For complete information about Lincoln AssetEdge VUL, see our Fact Sheet.

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Make your life insurance policy work for you

Ask your financial professional about adding optional protection.

1 Face amount restrictions may apply and are subject to underwriting guidelines.

2 Loans and withdrawals will reduce the policy's cash value and death benefit. Loans are not considered income and are not taxable while withdrawals are tax free up to the policy's cost basis, provided the policy is not a a modified endowment contract (MEC). An 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.

3 If the no-lapse benefit expires or terminates, the account value must be sufficient to keep the policy in-force or additional premium will be required to avoid a policy lapse. Paying only the premium required to satisfy the no-lapse guarantee may lessen the buildup of the policy's account value.

4 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 and Lincoln Life & Annuity Company of New York. 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 and Lincoln Life & Annuity Company of New York. The Lincoln National Life Insurance Company’s and Lincoln Life & Annuity Company of New York’s products are 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 products nor do they have any liability for any errors, omissions, or interruptions of the S&P 500 Index.

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

Lincoln AssetEdge® VUL (2020) is issued on policy form ICC20-VUL688/20-VUL688, 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.

Lincoln variable universal life insurance is sold by prospectus. Carefully consider the investment objectives, risks, and charges and expenses of the policy and its underlying investment options. This and other important information can be found in the prospectus for the variable universal life policy and the prospectus for the underlying investment options. Prospectuses are available upon request and should be read carefully before investing or sending money. For a current prospectus, please call 800-444-2363 or go to

Policy values will fluctuate and are subject to market risk and to possible loss of principal. Products, riders and features are subject to state availability. Limitations and exclusions may 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.