Lincoln SVULONE (2021)

Guaranteed lifetime death benefit protection options for two lives and the freedom to pursue growth potential

Now, more than ever, it’s important to protect your legacy. One way to do this is with Lincoln SVULONE, a life insurance policy for two lives, with options that offer you a guaranteed lifetime death benefit and growth potential to enhance your death benefit value even more. With Lincoln SVULONE, you’ll get a single solution to meet a variety of needs.

Survivorship options

Why choose a survivorship policy? Learn more


With Lincoln SVULONE you can:

  • Cover two individuals under one policy with one premium

  • Choose your guaranteed minimum protection option, including how long and how much, no matter how the market performs1 

  • Invest your cash value in more than 75 investment options with no restriction2 

  • Purchase a Bonus Rider3, at issue, for even more cash value growth opportunity to  enhance your death benefit protection

  • Access potential cash value4 for your needs today or tomorrow 

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Make your life insurance policy work for you

Ask your financial professional about adding optional protection.


With any VUL product, certain fees and costs are involved, including monthly cost of insurance, administrative expense and premium load charges, as well as daily charges on assets invested in the variable subaccounts for mortality and expense risk, and asset management fees. Please consult the prospectus or ask your financial professional for more detailed information.

*Lincoln SVULONE (2021). Not available in New York.

1 The ONE Rider is issued automatically at no additional charge. To maintain the guaranteed death benefit protection, automatic rebalancing is required, and the use of the money market investment option is limited to the right-to-examine period, or as an account from which to transfer funds for the dollar cost averaging (DCA) program. We reserve the right to establish investment restrictions in the future under limited conditions as described in the prospectus. If the no-lapse benefit expires or terminates, the account value must be sufficient to keep the policy in-force, or additional premiums will be required to avoid a policy lapse. Paying only the premium required to satisfy the no-lapse guarantee may lessen the potential for buildup of the policy’s account value. As long as the requirements of the rider are met, it will not terminate while the policy is in-force. The no-lapse guarantee is in effect if either of the rider’s reference values, less indebtedness, is greater than zero.
2 Diversification does not assure a profit or protect against loss.
3 Subject to availability, additional costs and  charges may apply.
4 Distributions are taken through loans and withdrawals, which reduce a 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 the cost basis.
Lincoln SVULONE (2021) is issued on policy form 20-SVUL622/20NLER-622 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. Not for use in the state of New York.

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