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Lincoln Financial Group Launches Variable Universal Life Product Combining Lifetime Protection With Upside Potential

RADNOR, Pa., Aug. 20, 2012 /PRNewswire/ -- Lincoln Financial Group (NYSE:LNC) today announced its next generation of Lincoln VUL ONE (2012), a variable universal life insurance product. Issued by The Lincoln National Life Insurance Company, Fort Wayne, IN, Lincoln VUL ONE can provide a guaranteed lifetime death benefit that can help financially protect clients' loved ones, along with the potential to build market-driven cash values, which can serve as a source of supplemental income.

Lincoln VUL ONE 2012 features a competitive pricing structure for various premium scenarios, including those in which premiums are paid in five years or less.

"Our latest VUL ONE product balances a lifetime death benefit feature with cash value potential, allowing policy holders to build a financial legacy for beneficiaries, while providing the fiscal flexibility to keep pace with life's changes," said Michael Burns, senior vice president, Life Solutions, Lincoln Financial Group. "This combination of guaranteed lifetime protection and cash value potential provides a strong option to advisors and their clients in a time when traditional guaranteed solutions are being pressured by today's low interest rates. VUL ONE 2012 reflects Lincoln's ongoing commitment to building a diversified Life product portfolio that positions the company to deliver on any client need in any market environment."

Lincoln VUL ONE is the first Lincoln product available with the new Lincoln LifeEnhance SM Accelerated Benefits Rider (ABR). Available at issue for an additional cost to qualified purchasers, the Lincoln LifeEnhance SM ABR is designed to provide access to tax-advantaged funds in the event of an unexpected permanent chronic or terminal illness. In cases of permanent chronic illness, clients can access up to 100 percent of the gross death benefit at the time of claim through payments. For terminal illness, policy holders can access 50 percent of the death benefit up to a maximum of $250,000.

Lincoln VUL ONE also offers the potential to enhance benefits based on positive market performance. If the policy cash value reaches a pre-determined threshold, clients can choose to stop paying premium early, and/or access their excess policy cash value growth for income, without impacting the guaranteed death benefit.

"Our next generation VUL ONE product is the latest example of the timely solutions that Lincoln provides advisors to meet their clients' needs," said Tom Tooley, head of Lincoln's Insurance Solutions Distribution. "In these uncertain times, the ability to offer clients financial security and flexibility in a single solution is very compelling and that's precisely what this product does. This type of innovation underscores our commitment to helping our advisors succeed."

As part of the more than 70 investment choices available with Lincoln VUL ONE, clients can select the LVIP Protected Profile Funds. These funds employ capital protection and risk management techniques designed to help minimize loss during market downturns, so that clients can remain invested to capture upside potential and reduce volatility. While the results are not guaranteed, the funds' portfolio managers continually review and adjust each fund's overall asset allocation, providing a low-maintenance investment option for clients.

Lincoln VUL ONE is available in most states through Lincoln's network of distribution partners.

Disclosure

THE LVIP PROTECTED PROFILE FUNDS ARE NOT GUARANTEED OR INSURED BY LINCOLN OR ANY OTHER INSURANCE COMPANY OR OTHER ENTITY. THE FUNDS ARE NOT FDIC-INSURED, ARE NOT GUARANTEED BY ANY BANK AND MAY LOSE VALUE.

THE PROTECTION STRATEGY USED BY THE FUNDS IS SEPARATE AND DISTINCT FROM ANY ANNUITY OR INSURANCE CONTRACT RIDERS OR FEATURES.

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.

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