Lincoln VULONE (2014)

*Lincoln VULONE (2014). Not available in New York.
1Assumes the policy is funded as specified. 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.

2Our Premium Reserve Rider give you access to any potential cash value, above a predetermined threshold without impacting the guaranteed benefit. The Premium Reserve Rider is included where available, and is subject to certain fees and account credits.

3Subject to underwriting and certain requirements. Limitations and exclusions apply. For cost and complete details of coverage, please contact your advisor.

4Subject to certain requirements. Limitations and exclusions apply. For additional details, please contact your advisor.
5Please see the prospectus for more detailed information.

6Selection of the Benefit selection Option can affect the cost of some aspects of the policy and its riders.

7Distributions 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, provided the policy is not a MEC.

The purpose of this communication is the solicitation of life insurance. Contact may be made by a licensed insurance agent/producer or insurance company.

Lincoln Care CoverageSM ABR is an optional rider available through the purchase of Lincoln VULONE (2014). 

This coverage is intended to be recognized as qualified long-term care insurance under federal law. The acceleration of life insurance benefits provided under the long-term care riders is intended to qualify for favorable tax treatment under Section 7702B(b) of the Internal Revenue Code. For federal income tax purposes, the policy is considered a qualified long-term care insurance contract. Note that a state insurance department does not in any way warrant that this coverage meets the requirements of Section 7702B(b) of the IRC.

Available in all states except AZ, CA, CT, DC, DE, FL, HI, IN, MT, ND, NJ, NY, SD, VI.

Lincoln VULONE (2014) is issued on policy form LN696/LR668, with optional rider form ICC18ABR-7052; and state variations are issued 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 prospectuses. 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 current prospectuses, please call 800-444-2363 or go to

With variable products, 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.