Lincoln VULONE (2019)

Financial protection that lasts a lifetime and market-driven growth opportunities

Lincoln VULONE* provides a tax-advantaged guaranteed death benefit, regardless of market conditions or investment options selected.1

Freedom to pursue growth potential

With Lincoln VULONE you have the freedom to pursue the growth opportunities you want from the diverse investment options of the Lincoln Elite Series of Funds. You can work with your advisor to select from more than 70 investment choices from well-known fund managers to develop a policy portfolio that matches your risk tolerance and investment objectives, without impacting the guaranteed death benefit.

Flexibility for the future

Lincoln VULONE also offers flexibility and the potential to enhance your benefits based on positive market performance. If the policy's cash value reaches a predetermined threshold, you can choose to stop paying premiums early, extend the guarantee duration and/or access the excess policy cash value growth for income.2

Make your life insurance policy work for you by adding optional protection. Ask your advisor for more information.

What it can bring to your life

  • Lifetime guaranteed death benefit protection for your loved ones, or your business, regardless of your investment option performance
  • Access to potential cash value to do the things you want in life6
  • Freedom of choice from more than 70 investment options from our Lincoln Elite Series of Funds
  • The financial security of a guaranteed legacy that transfers tax-efficiently

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 advisor for more detailed information.

*Lincoln VULONE (2019). 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.

Lincoln VULONE (2019) is issued on policy form ICC19-VUL686/ICC19ONER-686/19-VUL686/ONER-686, 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 www.LincolnFinancial.com

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 apply.