Latest news with #IUL
Yahoo
12-05-2025
- Business
- Yahoo
Lincoln Financial Expands Elite Indexed Universal Life Portfolio With New Early Cash Value Product
Lincoln WealthBuilderSM ECV IUL is designed to protect clients' financial obligations by prioritizing growing cash value without tying up significant capital RADNOR, Pa., May 12, 2025--(BUSINESS WIRE)--Today, Lincoln Financial (NYSE: LNC) announced the launch of Lincoln WealthBuilderSM ECV IUL, an accumulation-focused life insurance product designed with early cash value benefits for premium finance1 and business cases. It is the second product available as part of the company's new Elite Indexed Universal Life (IUL) Portfolio issued by The Lincoln National Life Insurance Company. "The opportunity to benefit from high early cash value is a powerful tool for businesses and individuals looking for accumulation and cash value growth while maintaining a valuable balance sheet," said Darrel Tedrow, senior vice president, president of Life Solutions. "We are prioritizing optionality and choice throughout our Elite IUL portfolio, and our ECV product is built with multiple benefit options to meet policyholders' unique needs." Lincoln WealthBuilder ECV IUL is designed with early cash value benefits built into the base policy.2 Policyholders also have two additional Early Cash Value Endorsement (ECVE) options that provide even higher early cash values to allow for more flexibility and customization when designing a policy to meet your client's needs. The product is optimized for accumulation-focused strategies—such as premium financing, where it can help reduce out-of-pocket collateral requirements, and for business owners seeking to leverage existing company assets to fund life insurance with minimal impact to the balance sheet. Lincoln WealthBuilder ECV IUL is the second product in Lincoln's Elite IUL Portfolio, following the launch of Lincoln WealthBuilder IUL in March 2025. Lincoln's Elite IUL Portfolio is a suite of products directly aligned to customer needs where indexed accounts offer credited interest that drive cash value and death benefit protection, and tools make it easy to manage policies for life. Indexed Accounts are the core of these performance-driven solutions with differentiated S&P 500® enhanced volatility-controlled Indexes (VCIs) offered to provide strength, simplicity and transparency. "Today's announcement highlights our commitment to providing financial professionals and their clients a dynamic suite of IUL products with tailored options that meet clients' needs," said Jared Nepa, senior vice president and head of Insurance Solutions Distribution. "Beyond our new products, we are investing in the full IUL experience. Financial professionals can expect new pre-, during- and post-sale tools to help manage these policies throughout their clients' lifetimes." The Elite IUL Portfolio complements Lincoln's recently enhanced Variable Universal Life (VUL) and MoneyGuard ® offerings as the 120-year-old company continues its strategic shift to offering a diverse mix of protection and accumulation products. 1 Lincoln Financial (LF) does not recommend, endorse, sponsor, or otherwise offer Premium Financing. LFG does not have an agreement with any Premium Financing organization, is not a party to the loan agreement, and does not receive any form of compensation from any financing arrangement. There are risks associated with commercial Premium Financing including but not limited to interest rate risk, additional collateral requirements, additional loan renewal requirements, and risk the lender could become insolvent. In addition, if the policyowner fails to repay the loan based on the terms, the loan could default and the insurance contract could lapse. 2 Benefits are non-guaranteed and based on policy performance. About Lincoln Financial Lincoln Financial helps people confidently plan for their vision of a successful financial future. As of December 31, 2024, approximately 17 million customers trust our guidance and solutions across four core businesses – annuities, life insurance, group protection, and retirement plan services. As of March 31, 2025, the company had $312 billion in end-of-period account balances, net of reinsurance. Headquartered in Radnor, PA., Lincoln Financial is the marketing name for Lincoln National Corporation (NYSE: LNC) and its affiliates. Learn more at Note: Jared Nepa and Darrel Tedrow are spokespersons for Lincoln Life Solutions. Jared Nepa holds a leadership role within Lincoln Financial Distribution, the wholesaling broker-dealer of Lincoln Financial. Darrel Tedrow holds a leadership role within Lincoln Financial. They are compensated by Lincoln and are shareholders of Lincoln National Corporation. Important information Lincoln Financial® affiliates, their distributors, and their respective employees, representatives and/or insurance agents do not provide tax, accounting or legal advice. Please consult an independent professional as to any tax, accounting or legal statements made herein. 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, provided the policy is generally not a modified endowment contract (MEC). A MEC policy is one in which the life insurance limits exceed certain high levels of premium or the cumulative premium payments exceed certain amounts specified under the Internal Revenue Code. For policies that are MECs, distributions during the life of the insured, including loans, are first treated as taxable to the extent of income in the contract, and an additional 10% federal income tax may apply for withdrawals made prior to age 59½. The S&P 500® Index, S&P 500® Dynamic Intraday TCA Index, and S&P 500® Daily Risk Control 10% Index ("Indexes") and associated data are a product of S&P Dow Jones Indices LLC, its affiliates and/or their licensors and has been licensed for use by Lincoln Financial, 2024 S&P Dow Jones Indices LLC, its affiliates and/or their licensors. All rights reserved. Redistribution or reproduction in whole or in part are prohibited without written permission of S&P Dow Jones Indices LLC. For more information on any of S&P Dow Jones Indices LLC's indices, please visit S&P® is a registered trademark of Standard & Poor's Financial Services LLC ("SPFS") and Dow Jones® is a registered trademark of Dow Jones Trademark Holdings LLC ("Dow Jones"). Neither S&P Dow Jones Indices LLC, SPFS, Dow Jones, their affiliates nor their licensors ("S&P DJI") make any representation or warranty, express or implied, as to the ability of any index to accurately represent the asset class or market sector that it purports to represent and S&P DJI shall have no liability for any errors, omissions, or interruptions of any index or the data included therein. The S&P 500® Index is a price index and does not reflect dividends paid on the underlying stock. It is not possible to invest directly in an index. The S&P 500® Dynamic Intraday TCA Index methodology was created based on historical data of the Index components. The methodology is available at: The S&P 500® Daily Risk Control 10% Index methodology was created based on historical data of the Index components. The methodology is available at: Lincoln WealthBuilderSM ECV IUL is issued on policy ICC25-UL6098/25-UL6098 and state variations, with the Enhanced Cash Value Endorsement on Form ICC25ECVE-7127/25ECVE-7127, and Lincoln WealthBuilderSM IUL is issued on policy ICC24-UL6097/24- UL6097 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. Limitations and exclusions may apply. Not for use in New York. LCN-7912781-042925 View source version on Contacts Media Contact media@ Error in retrieving data Sign in to access your portfolio Error in retrieving data Error in retrieving data Error in retrieving data Error in retrieving data
Business Wire
12-05-2025
- Business
- Business Wire
Lincoln Financial Expands Elite Indexed Universal Life Portfolio With New Early Cash Value Product
RADNOR, Pa.--(BUSINESS WIRE)--Today, Lincoln Financial (NYSE: LNC) announced the launch of Lincoln WealthBuilder SM ECV IUL, an accumulation-focused life insurance product designed with early cash value benefits for premium finance 1 and business cases. It is the second product available as part of the company's new Elite Indexed Universal Life (IUL) Portfolio issued by The Lincoln National Life Insurance Company. 'The opportunity to benefit from high early cash value is a powerful tool for businesses and individuals looking for accumulation and cash value growth while maintaining a valuable balance sheet,' said Darrel Tedrow, senior vice president, president of Life Solutions. 'We are prioritizing optionality and choice throughout our Elite IUL portfolio, and our ECV product is built with multiple benefit options to meet policyholders' unique needs.' Lincoln WealthBuilder ECV IUL is designed with early cash value benefits built into the base policy. 2 Policyholders also have two additional Early Cash Value Endorsement (ECVE) options that provide even higher early cash values to allow for more flexibility and customization when designing a policy to meet your client's needs. The product is optimized for accumulation-focused strategies—such as premium financing, where it can help reduce out-of-pocket collateral requirements, and for business owners seeking to leverage existing company assets to fund life insurance with minimal impact to the balance sheet. Lincoln WealthBuilder ECV IUL is the second product in Lincoln's Elite IUL Portfolio, following the launch of Lincoln WealthBuilder IUL in March 2025. Lincoln's Elite IUL Portfolio is a suite of products directly aligned to customer needs where indexed accounts offer credited interest that drive cash value and death benefit protection, and tools make it easy to manage policies for life. Indexed Accounts are the core of these performance-driven solutions with differentiated S&P 500® enhanced volatility-controlled Indexes (VCIs) offered to provide strength, simplicity and transparency. 'Today's announcement highlights our commitment to providing financial professionals and their clients a dynamic suite of IUL products with tailored options that meet clients' needs,' said Jared Nepa, senior vice president and head of Insurance Solutions Distribution. 'Beyond our new products, we are investing in the full IUL experience. Financial professionals can expect new pre-, during- and post-sale tools to help manage these policies throughout their clients' lifetimes.' The Elite IUL Portfolio complements Lincoln's recently enhanced Variable Universal Life (VUL) and MoneyGuard ® offerings as the 120-year-old company continues its strategic shift to offering a diverse mix of protection and accumulation products. 1 Lincoln Financial (LF) does not recommend, endorse, sponsor, or otherwise offer Premium Financing. LFG does not have an agreement with any Premium Financing organization, is not a party to the loan agreement, and does not receive any form of compensation from any financing arrangement. There are risks associated with commercial Premium Financing including but not limited to interest rate risk, additional collateral requirements, additional loan renewal requirements, and risk the lender could become insolvent. In addition, if the policyowner fails to repay the loan based on the terms, the loan could default and the insurance contract could lapse. 2 Benefits are non-guaranteed and based on policy performance. About Lincoln Financial Lincoln Financial helps people confidently plan for their vision of a successful financial future. As of December 31, 2024, approximately 17 million customers trust our guidance and solutions across four core businesses – annuities, life insurance, group protection, and retirement plan services. As of March 31, 2025, the company had $312 billion in end-of-period account balances, net of reinsurance. Headquartered in Radnor, PA., Lincoln Financial is the marketing name for Lincoln National Corporation (NYSE: LNC) and its affiliates. Learn more at Note: Jared Nepa and Darrel Tedrow are spokespersons for Lincoln Life Solutions. Jared Nepa holds a leadership role within Lincoln Financial Distribution, the wholesaling broker-dealer of Lincoln Financial. Darrel Tedrow holds a leadership role within Lincoln Financial. They are compensated by Lincoln and are shareholders of Lincoln National Corporation. Important information Lincoln Financial® affiliates, their distributors, and their respective employees, representatives and/or insurance agents do not provide tax, accounting or legal advice. Please consult an independent professional as to any tax, accounting or legal statements made herein. 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, provided the policy is generally not a modified endowment contract (MEC). A MEC policy is one in which the life insurance limits exceed certain high levels of premium or the cumulative premium payments exceed certain amounts specified under the Internal Revenue Code. For policies that are MECs, distributions during the life of the insured, including loans, are first treated as taxable to the extent of income in the contract, and an additional 10% federal income tax may apply for withdrawals made prior to age 59½. The S&P 500® Index, S&P 500® Dynamic Intraday TCA Index, and S&P 500® Daily Risk Control 10% Index ('Indexes') and associated data are a product of S&P Dow Jones Indices LLC, its affiliates and/or their licensors and has been licensed for use by Lincoln Financial, 2024 S&P Dow Jones Indices LLC, its affiliates and/or their licensors. All rights reserved. Redistribution or reproduction in whole or in part are prohibited without written permission of S&P Dow Jones Indices LLC. For more information on any of S&P Dow Jones Indices LLC's indices, please visit S&P® is a registered trademark of Standard & Poor's Financial Services LLC ('SPFS') and Dow Jones® is a registered trademark of Dow Jones Trademark Holdings LLC ('Dow Jones'). Neither S&P Dow Jones Indices LLC, SPFS, Dow Jones, their affiliates nor their licensors ('S&P DJI') make any representation or warranty, express or implied, as to the ability of any index to accurately represent the asset class or market sector that it purports to represent and S&P DJI shall have no liability for any errors, omissions, or interruptions of any index or the data included therein. The S&P 500® Index is a price index and does not reflect dividends paid on the underlying stock. It is not possible to invest directly in an index. The S&P 500® Dynamic Intraday TCA Index methodology was created based on historical data of the Index components. The methodology is available at: The S&P 500® Daily Risk Control 10% Index methodology was created based on historical data of the Index components. The methodology is available at: Lincoln WealthBuilder SM ECV IUL is issued on policy ICC25-UL6098/25-UL6098 and state variations, with the Enhanced Cash Value Endorsement on Form ICC25ECVE-7127/25ECVE-7127, and Lincoln WealthBuilder SM IUL is issued on policy ICC24-UL6097/24- UL6097 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. Limitations and exclusions may apply. Not for use in New York. LCN-7912781-042925
Associated Press
09-04-2025
- Business
- Associated Press
Amplify Life Insurance teams up with EMC Life to unveil Prosper IUL, a permanent life insurance product and platform designed for digital-first consumers and agents
SAN FRANCISCO, April 9, 2025 /PRNewswire/ -- Amplify Life Insurance, a leading digital platform revolutionizing wealth-building through permanent life insurance, and EMC Life, a provider of life insurance, have announced the launch of Prosper IUL ('Prosper'), an Indexed Universal Life (IUL) product designed to meet the needs of today's digital-first consumers. Prosper reimagines how permanent life insurance is purchased where consumers can apply, qualify, and activate their IUL policy in as little as ten minutes. Through Prosper's end-to-end digital onboarding system, qualifying applicants receive an instant acceptance decision. The entire process takes place within a single, fully automated, consumer- and agent-friendly platform. By simplifying and modernizing the purchasing experience, Prosper ensures that everyday consumers can access a wealth building life insurance vehicle that's often used by the high-net-worth segments and large institutions. Amplify's mission is to help modern, digital-first customers address gaps in their financial planning, protect their families, and build multi-generational wealth. Delivered through a streamlined and engaging experience, Amplify's platform brings permanent life products to the younger mass-affluent market. By adding Prosper to its platform, Amplify is able to accelerate this mission by offering consumers options tailored to their preference—whether individuals choose to build their own plan or work with a licensed agent. This platform expansion also enables Amplify to provide ongoing value at key moments throughout a policyholder's lifetime. Prosper is the first IUL of Amplify's proprietary suite of products specifically designed to address diverse customer needs and use cases. 'We're thrilled to launch Prosper, in partnership with EMC Life. It expands our platform and product offerings, and enables us to better serve customers seeking long-term financial protection while setting the foundation for delivering ongoing value to them and their families,' said Lu Ma, Chief Operating and Strategy Officer for Amplify. 'Through our partnership with Amplify, a digital life insurance agency, we're offering a groundbreaking product and superior experience for customers,' said Paul Rivard, EVP – Chief Growth Strategy and Innovation Officer for EMC Life. 'This collaboration supports our mission to improve lives. Together, we've raised industry standards and created a solution that truly impacts people. We're excited to see the Prosper product fulfill consumer needs and our partnership grow.' This launch represents more than just a new product, it's a strategic alignment between Amplify and EMC Life to drive innovation. This partnership underscores a commitment to delivering next-generation financial products that empower individuals to build wealth and secure their financial future through digital and hassle-free experiences. The collaboration between these two companies reflects a shared goal: to simplify purchase journeys, modernize customer experiences, and deliver insurance solutions that create real value for today's consumers. About Amplify Life Insurance Amplify is the first digital permanent life insurance platform offering customers direct access to products where you access tax-efficient investment returns and obtain lifelong protection. It's founded by serial entrepreneurs with industry and technology expertise looking to modernize the $1.1T permanent life insurance industry. Amplify provides an educational journey, product recommendation and quoting, and real-time pre-underwriting to help customers learn about plans and customize a policy for their needs. Launched in 2020, Amplify aims to help customers achieve health and financial wellness. Based in the San Francisco Bay Area, Amplify is open to all 50 states and has served thousands of customers. About EMC Life Based in Des Moines, Iowa, EMC Life is an affiliate of EMC Insurance. EMC Life offers quality life insurance products for the individual and workplace markets through independent agents and distribution partners.
Yahoo
24-03-2025
- Business
- Yahoo
CORRECTING and REPLACING Lincoln Financial Launches First Product in New Elite Indexed Universal Life Portfolio
Lincoln WealthBuilderSM IUL offers indexed accounts, growth potential and features that financial professionals and their clients have been asking for. RADNOR, Pa., March 24, 2025--(BUSINESS WIRE)--Fifth paragraph, first sentence of release should read: Lincoln is adding new indexed accounts to the new Elite Indexed Universal Life Portfolio based on two S&P 500 indices, S&P 500 Dynamic Intraday TCA 15% Index and S&P 500 Daily Risk Control 10% Index, beginning with Lincoln WealthBuilderSM IUL. The updated release reads: LINCOLN FINANCIAL LAUNCHES FIRST PRODUCT IN NEW ELITE INDEXED UNIVERSAL LIFE PORTFOLIO Lincoln WealthBuilderSM IUL offers indexed accounts, growth potential and features that financial professionals and their clients have been asking for. Today, Lincoln Financial (NYSE: LNC) launched Lincoln WealthBuilderSM IUL, the first product in a planned suite of Indexed Universal Life (IUL) issued by The Lincoln National Life Insurance Company. The new Elite IUL Portfolio will complement Lincoln's recently enhanced Variable Universal Life (VUL) offerings as the 120-year-old company continues its strategic shift to offering a diverse mix of protection and accumulation products. "According to Lincoln research, 88% of consumers surveyed want solutions that offer growth and 69% want an equal mix of growth and protection1 – and our recent and new product actions offer the best of both worlds," said Jared Nepa, senior vice president and head of Insurance Solutions Distribution for Lincoln. "With IUL sales representing nearly a quarter of the total U.S. life insurance market in 20242, we want to offer financial professionals and their clients a dynamic suite of IUL products with tailored options to help individuals, couples and businesses access new opportunities." Upon completion, the Elite IUL Portfolio will feature three products (including launched Lincoln WealthBuilderSM IUL) to help match risk tolerance and financial goals by: Offering differentiated, enhanced volatility-controlled indices (VCI) from the S&P 500® Meeting industry standards through traditional and uncapped VCI indexed accounts Creating additional upside potential with performance multiplier rider Enhanced VCIsLincoln has partnered with the S&P 500® to offer enhanced volatility-controlled indexed accounts that are new to the IUL market. A volatility-controlled index tracks a group of traded assets in various classes by actively managing exposure, limiting extreme highs and lows by targeting a set volatility level. Lincoln is adding new indexed accounts to the new Elite Indexed Universal Life Portfolio based on two S&P 500 indices, S&P 500 Dynamic Intraday TCA 15% Index and S&P 500 Daily Risk Control 10% Index, beginning with Lincoln WealthBuilderSM IUL. The equity exposure of Lincoln's new indexed accounts tracks the S&P 500®, which has more than 65 years of live index history and is widely regarded as the best single gauge of U.S. large-cap equities. By linking to the S&P 500, Lincoln's new indexed accounts offer a heightened level of transparency into the equity exposure of VCI's in the IUL market. These new indexed accounts provide the highest volatility targets (15% and 10% respectively) ever offered by Lincoln Financial. While policy growth is not guaranteed, the higher volatility targets increase the underlying equity exposure and therefore offer enhanced upside growth potential. The credited rates of the indexed accounts are determined based on the change in the index from one point to another, factoring in participation rates, caps and other elements. (Note: Product charges continue to apply during periods of market downturn and may result in a loss of value.) The S&P indices are designed to manage market volatility by rebalancing between the S&P 500 and cash, which aims to provide more stable returns for the index. As a general principle, when market volatility is higher than the target volatility level of the index, the index will allocate weight to the cash component to dampen volatility. When market volatility is lower than the target, the index can allocate more than 100% weight to the underlying index. Meeting industry standardsEach product within the Elite IUL Portfolio will offer an enhanced indexed account strategy with varying options to match a client's risk tolerance and financial goals. Beyond the new enhanced VCI accounts, the portfolio will also offer industry standard accounts, such as a traditional capped S&P 500® indexed account and a lower volatility target VCI indexed account that will offer uncapped potential with a high participation rate. Policyholders have the flexibility to allocate into one or more of Lincoln WealthBuilderSM IUL's indexed account options and may choose to switch between them based on life changes, financial needs or market conditions. Additional upside potentialThe new Elite IUL Portfolio will offer the ability to seek additional upside potential through both the new and improved Indexed Account portfolio as well as through additional riders. New rider options include the Performance Multiplier Rider that offers clients the ability to accelerate performance above the cap on eligible one-year accounts through an additional charge for multiplier. The new Enhanced Overloan Protection Rider gives clients the freedom to pursue upside potential by protecting certain highly funded, heavily loaned policies from lapse. About Lincoln WealthBuilderSM IULLincoln WealthBuilderSM IUL is designed to offer policyholders a tax-advantaged way to access growth opportunities with less risk. The product achieves this by offering death benefit protection with the ability to accumulate tax-deferred cash value through index account crediting that includes a 0% floor, with access to that cash value tax-free.3 Lincoln WealthBuilderSM IUL will also offer new multi-year indexed account options that provide clients access to additional upside potential with higher caps and participation rates by leveraging durational market risk. "Lincoln WealthBuilderSM IUL is a powerful strategy within any client portfolio. The combination of flexible options for changing markets, a new indexed account portfolio built for performance and new Multiplier Riders open up a world of possibilities for clients to choose the right balance of protection and performance for them," said Darrel Tedrow, senior vice president, president of Life Solutions at Lincoln. "Financial professionals can also expect new pre-, during- and post-sale tools coming later this year to help manage these policies throughout their clients' lifetimes." 1 Lincoln Financial, Consumer Sentiment Tracker, May 20242 LIMRA: U.S. Individual Life Insurance Premium Exceeds $16 Billion in 2024, Setting New Sales Record, January 2025. 3 Distributions of loans and withdrawals will reduce the cash value and death benefit; may cause the policy to lapse and may have tax consequences. About Lincoln Financial Lincoln Financial helps people confidently plan for their vision of a successful financial future. As of December 31, 2024, approximately 17 million customers trust our guidance and solutions across four core businesses – annuities, life insurance, group protection, and retirement plan services. As of December 31, 2024, the company has $321 billion in end-of-period account balances, net of reinsurance. Headquartered in Radnor, Pa., Lincoln Financial is the marketing name for Lincoln National Corporation (NYSE: LNC) and its affiliates. Learn more at Note: Jared Nepa and Darrel Tedrow are spokespersons for Lincoln Life Solutions. Jared Nepa holds a leadership role within Lincoln Financial Distribution, the wholesaling broker-dealer of Lincoln Financial. Darrel Tedrow holds a leadership role within Lincoln Financial. They are compensated by Lincoln and are shareholders of Lincoln National Corporation. Important Information Lincoln WealthBuilderSM IUL is issued on policy ICC24-UL6097/24-UL609 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. Not available in NY. 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. Indexed universal life is a permanent insurance product with a duration and death benefit. An IUL policy allows for cash value accumulation but is not subject to market exposure. In many cases the indexed universal life products (IULs) will have caps and floors which limit both the volatility of any cash values and the upside potential. Refer to the product guide for more information including any applicable riders and fees, and sales or surrender charges. The S&P 500® Index, S&P 500® Dynamic Intraday TCA Index, and S&P 500® Daily Risk Control 10% Index ("Indexes") and associated data are a product of S&P Dow Jones Indices LLC, its affiliates and/or their licensors and has been licensed for use by Lincoln Financial, 2024, S&P Dow Jones Indices LLC, its affiliates and/or their licensors. All rights reserved. Redistribution or reproduction in whole or in part are prohibited without written permission of S&P Dow Jones Indices LLC. For more information on any of S&P Dow Jones Indices LLC's indices please visit S&P® is a registered trademark of Standard & Poor's Financial Services LLC ("SPFS") and Dow Jones® is a registered trademark of Dow Jones Trademark Holdings LLC ("Dow Jones"). Neither S&P Dow Jones Indices LLC, SPFS, Dow Jones, their affiliates nor their licensors ("S&P DJI") make any representation or warranty, express or implied, as to the ability of any index to accurately represent the asset class or market sector that it purports to represent and S&P DJI shall have no liability for any errors, omissions, or interruptions of any index or the data included therein. Please refer to the policy or additional marketing material for more detailed information on the Indexed Accounts. The S&P 500® Index is a price index and does not reflect dividends paid on the underlying stock. It is not possible to invest directly in an index. The S&P 500® Dynamic Intraday TCA Index methodology was created based on historical data of the Index components. The methodology is available at: The S&P 500® Daily Risk Control 10% Index methodology was created based on historical data of the Index components. The methodology is available at: The Fidelity AIM® Dividend Index (the "Index") is a product of Fidelity Product Services LLC ("FPS") and has been licensed for use by The Lincoln National Life Insurance Company and its affiliates and reinsurers ("Lincoln"). Fidelity is a registered trademark of FMR LLC. The Index is the exclusive property of FPS and is made and compiled without regard to the needs, including, but not limited to, the suitability needs of Lincoln or any Lincoln life insurance owner. Lincoln exercises sole discretion in determining whether and how the life insurance will be linked to the value of the Index. FPS does not provide investment advice to owners of the life insurance, and in no event shall any Lincoln life insurance policy owner be deemed to be a client of FPS. Neither FPS nor any third party involved in, or related to, making or compiling the Index makes any representation regarding the Index, Index information, Index or market performance, life insurance generally or the Lincoln life insurance in particular, and Lincoln life insurance is not sold, sponsored, endorsed or promoted by FPS or any other third party involved in, or related to, making or compiling the Index (including the Index calculation agent, as applicable). FPS disclaims all warranties, express or implied, including all warranties of merchantability or fitness for a particular use; does not guarantee the adequacy, accuracy, timeliness, and/or completeness of the Index or any data or communication related thereto; and assumes no liability for errors, omissions, or interruptions of the Fidelity AIM® Dividend Index. This indexed universal life insurance policy does not participate directly in any stock or equity investment and does not include the purchase of shares of stock or an index. The indexed accounts use an outside market index as a benchmark for determining indexed account earnings. Any dividends paid on the stocks on which the index is based do not increase the life policy's cash value. All values provided by the policy, when based on performance of the indexed account, are not guaranteed to be equivalent to the benchmarking index. The composition of the index and the methodology used by the index to calculate its performance are not guaranteed and may be changed at any time by the index provider. Distributions are taken through loans and withdrawals, which will reduce a policy's cash value and death benefit. Loans are not considered income and are not taxable while withdrawals are tax-free up to the policy's cost basis, provided the policy is not a MEC. It is possible coverage will expire when either no premiums are paid following the initial premium, or subsequent premiums are insufficient to continue coverage. Products and features subject to state availability. Limitations and exclusions may apply. NOT A DEPOSIT. NOT FDIC-INSURED. NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY. NOT GUARANTEED BY ANY BANK OR SAVINGS ASSOCIATION. MAY GO DOWN IN VALUE. LCN-7719245-030725 View source version on Contacts Media Contact: Joe
