Lincoln life product update

Introducing 

Lincoln WealthPreserveSM
Survivorship IUL
Lincoln is pleased to introduce
Lincoln WealthPreserve Survivorship Indexed UL (SIUL), the newest addition to our
survivorship product portfolio, effective August 11, 2014.In our commitment to providing you with a broad range of solutions to meet a variety of needs, we developed a new second-to-die indexed universal life insurance product designed to help your clients achieve their wealth preservation, estate and legacy planning goals.

Lincoln WealthPreserve SIUL offers your clients cost-effective estate protection with predictability, tax efficiency and income potential.

Building on the strengths and features of the recently enhanced single life solution

Lincoln LifeReserve® IUL Accumulator (2014),

Lincoln WealthPreserve SIUL offers clients a guaranteed 1% floor, guaranteed loan rate charges, and predictability with dollar cost averaging1 and diversification through three 1-year point-to-point indexed crediting accounts to help maximize returns regardless of S&P
500 Index2 performance.


What we are doing

We developed a new product to address your clients’ wealth
preservation and estate planning needs that offers:

• Competitive endow premiums

• Cash value growth potential through three simple 1-year point-to-point indexed account options tied to the S&P 500
Index:

– High-participation account — Performs best when S&P returns are lower

– Capped account — Performs best with moderate S&P performance

– Uncapped account — Performs best when S&P returns are at their highest

• Optional Dollar Cost Averaging (DCA) Account to address market volatility concerns

• Automatic monthly allocations to maximize the opportunity for the new indexed segments

• Tax-efficient income potential through a participating and fixed loan option, both with guaranteed interest charged rates3


What you need to do

• See The Lincoln Leader for additional information.

Why we’re doing it

Potential future tax increases could present estate planning and wealth preservation challenges for your clients, and now is the time to minimize tax exposure on their assets.

Lincoln WealthPreserve SIUL addresses your clients’ need for a tax-efficient, wealth preservation solution that offers predictability and flexibility.

How it affects you

This product will be available on August 11, 2014, in approved states, subject to firm availability.


Contact your Lincoln representative with any questions or for more
information.


877-533-0114


1Dollar cost averaging cannot guarantee a profit or prevent losses in declining and volatile markets.


2Excluding dividends.


3Loans and withdrawals will reduce the policy’s cash value and death benefit, may cause the policy to lapse, and may have tax implications.


This material was prepared to support the promotion and marketing of insurance products. Lincoln Financial Group® affiliates, their distributors, and their respective employees, representatives, and/or insurance agents do not provide tax, accounting, or legal advice.
Any tax statements contained herein were not intended or written to be
used, and cannot be used, for the purpose of avoiding U.S. federal, state,
or local tax penalties. Please consult your own independent advisor as to
any tax, accounting, or legal statements made herein.
Policies:
Lincoln WealthPreserveSM Survivorship Indexed UL is issued on policy form SUL6035 and state variations. Not available in New York.

Lincoln LifeReserve® Indexed UL Accumulator (2014), Is issued on policy form UL6024/ICC14UL6024 and state variations. Not available in New York.


Issued by:
The Lincoln National Life Insurance Company, Fort Wayne, IN Policies distributed by Lincoln Financial Distributors, Inc., a broker-dealer. 

TheLincoln 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.

Products, riders and features are subject to state availability. Limitations and exclusions may apply. Not available in New York. Check state availability.

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 and Lincoln Life & Annuity Company of New York. 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 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.


Not a deposit


Not FDIC-insured


Not guaranteed by any bank or savings association


May go down in value


Not insured by any federal government agency

Lincoln Financial Group is the marketing name for Lincoln National Corporation and its affiliates.

Affiliates are separately responsible for their own financial and
contractual obligations.

LCN-975890-072514
LIF-SUL-14-0001_SUL-2014-eML001_Z01



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©2014 Lincoln National Corporation

Lincoln Financial Group

150 N. Radnor-Chester Road

Radnor, PA 19087

877-ASK-LINCOLN

877-275-5462