UNIVERSAL LIFE INSURANCE

Universal Life (UL) is permanent life insurance that combines economical death benefit protection with cash value accumulation. It is known for its flexibility in premium and death benefit.

Single Life

• Lincoln LifeCurrent^SM UL
• Lincoln LifeGuarantee^SM UL
• Lincoln LifeGuarantee^SM Plus UL
• Lincoln LifeReserve^SM UL
• Lincoln LifeReserve^SM Indexed UL

Survivorship Life

• Lincoln LifeGuarantee^SM SUL

New York Products

• Lincoln LifeCurrent^SM UL
• Lincoln LifeGuarantee^SM UL
• Lincoln LifeGuarantee^SM Plus UL
• Lincoln LifeGuarantee^SM SUL
• Lincoln LifeReserve^SM UL

Life insurance policies are issued by The Lincoln National Life Insurance Company, Fort Wayne, IN. The Lincoln National Life Insurance Company is not authorized nor does it solicit business in the state of New York. In some states, contract terms are set out and coverage may be provided in the form of certificates issued under a group policy issued by The Lincoln National Life Insurance Company to a group life insurance trust. Contractual obligations are backed by the claims-paying ability of The Lincoln National Life Insurance Company.

Policies sold in New York are issued by Lincoln Life & Annuity Company of New York, Syracuse, NY. The contractual obligations are backed by the claims-paying ability of Lincoln Life & Annuity Company of New York.

Product and features subject to state availability.