Discover a suite of indexed universal life insurance products, built for a wide range of clients — from wealth builders, to protectors, to business owners and those looking for premium finance opportunities. These products offer flexibility and customizable features that let you tailor policies to your clients’ needs throughout the lifetime of the policy.
Indexed Universal Life (IUL) insurance policies are issued by The Lincoln National Life Insurance Company ("Lincoln").
Hover over each product to see which one may align with their needs and explore more on the product pages.
1 Loans, related interest and withdrawals will reduce the policy's cash value and death benefit; may cause the policy to lapse and may have tax implications.
2 Additional charges may apply.
vs.
From portfolio offerings to new tools, Lincoln leaders highlight the priorities powering our future.
IUL is a
large market
with room to grow3
3 LIMRA, 1Q24 report, “27% of industry sales with 4% growth.”
Subscribe here for alerts on new products, resources and enhancements.
Privacy | Legal | ©2026 Lincoln National Corporation
Lincoln Financial is the marketing name for Lincoln National Corporation and insurance company affiliates, including The Lincoln National Life Insurance Company, Fort Wayne, IN, and in New York, Lincoln Life & Annuity Company of New York, Syracuse, NY. The Lincoln National Life Insurance Company does not solicit business in the state of New York, nor is it authorized to do so. Affiliates are separately responsible for their own financial and contractual obligations.
Lincoln WealthBuilder® 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® IUL is issued on policy ICC24-UL6097/24- UL6097, Lincoln WealthProtectorSM IUL is issued on policy ICC25-UL6099/25-UL6099 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. 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 www.spdji.com. 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: https://www.spglobal.com/spdji/en/indices/multi-asset/sp-500-dynamic-intraday-tca-index-usd-er/#overview
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: https://www.spglobal.com/spdji/en/indices/multi-asset/sp-500-daily-risk-control-10-index/?currency=USD&returntype=E-#overview
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.
Lincoln Financial does not recommend, endorse, sponsor, or otherwise offer Premium Financing. Lincoln Financial and its affiliates do 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.
Distributions are taken through loans and withdrawals, which, together with loan interest, 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.
For financial professional use only. Not for use with the public.
LCN-8604655-111325
2/26 Z03
Order code: IUL-DIGXP-IDE001
Discover a suite of indexed universal life insurance products, built for a wide range of clients — from wealth builders, to protectors, to business owners and those looking for premium finance opportunities. These products offer flexibility and customizable features that let you tailor policies to your clients’ needs throughout the lifetime of the policy.
Indexed Universal Life (IUL) insurance policies are issued by The Lincoln National Life Insurance Company ("Lincoln").
Hover over each product to see which one may align with their needs and explore more on the product pages.
1 Loans, related interest and withdrawals will reduce the policy's cash value and death benefit; may cause the policy to lapse and may have tax implications.
2 Additional charges may apply.
vs.
From portfolio offerings to new tools, Lincoln leaders highlight the priorities powering our future.
IUL is a
large market
with room to grow3
3 LIMRA, 1Q24 report, “27% of industry sales with 4% growth.”
Subscribe here for alerts on new products, resources and enhancements.
Privacy | Legal | ©2026 Lincoln National Corporation
Lincoln Financial is the marketing name for Lincoln National Corporation and insurance company affiliates, including The Lincoln National Life Insurance Company, Fort Wayne, IN, and in New York, Lincoln Life & Annuity Company of New York, Syracuse, NY. The Lincoln National Life Insurance Company does not solicit business in the state of New York, nor is it authorized to do so. Affiliates are separately responsible for their own financial and contractual obligations.
Lincoln WealthBuilder® 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® IUL is issued on policy ICC24-UL6097/24- UL6097, Lincoln WealthProtectorSM IUL is issued on policy ICC25-UL6099/25-UL6099 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. 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 www.spdji.com. 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: https://www.spglobal.com/spdji/en/indices/multi-asset/sp-500-dynamic-intraday-tca-index-usd-er/#overview
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: https://www.spglobal.com/spdji/en/indices/multi-asset/sp-500-daily-risk-control-10-index/?currency=USD&returntype=E-#overview
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.
Lincoln Financial does not recommend, endorse, sponsor, or otherwise offer Premium Financing. Lincoln Financial and its affiliates do 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.
Distributions are taken through loans and withdrawals, which, together with loan interest, 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.
For financial professional use only. Not for use with the public.
LCN-8604655-111325
2/26 Z03
Order code: IUL-DIGXP-IDE001
Discover a suite of indexed universal life insurance products, built for a wide range of clients — from wealth builders, to protectors, to business owners and those looking for premium finance opportunities. These products offer flexibility and customizable features that let you tailor policies to your clients’ needs throughout the lifetime of the policy.
Indexed Universal Life (IUL) insurance policies are issued by The Lincoln National Life Insurance Company ("Lincoln").
Click each product to see which one may align with their needs and explore more on the product pages.
1 Loans, related interest and withdrawals will reduce the policy's cash value and death benefit; may cause the policy to lapse and may have tax implications.
2 Additional charges may apply.
vs.
From portfolio offerings to new tools, Lincoln leaders highlight the priorities powering our future.
Subscribe here for alerts on new products, resources and enhancements.
Privacy | Legal | ©2026 Lincoln National Corporation
Lincoln Financial is the marketing name for Lincoln National Corporation and insurance company affiliates, including The Lincoln National Life Insurance Company, Fort Wayne, IN, and in New York, Lincoln Life & Annuity Company of New York, Syracuse, NY. The Lincoln National Life Insurance Company does not solicit business in the state of New York, nor is it authorized to do so. Affiliates are separately responsible for their own financial and contractual obligations.
Lincoln WealthBuilder® 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® IUL is issued on policy ICC24-UL6097/24- UL6097, Lincoln WealthProtectorSM IUL is issued on policy ICC25-UL6099/25-UL6099 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. 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 www.spdji.com. 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: https://www.spglobal.com/spdji/en/indices/multi-asset/sp-500-dynamic-intraday-tca-index-usd-er/#overview
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: https://www.spglobal.com/spdji/en/indices/multi-asset/sp-500-daily-risk-control-10-index/?currency=USD&returntype=E-#overview
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.
Lincoln Financial does not recommend, endorse, sponsor, or otherwise offer Premium Financing. Lincoln Financial and its affiliates do 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.
Distributions are taken through loans and withdrawals, which, together with loan interest, 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.
For financial professional use only. Not for use with the public.
LCN-8604655-111325
2/26 Z03
Order code: IUL-DIGXP-IDE001
IUL is a
large market
with room to grow3
3 LIMRA, 1Q24 report, “27% of industry sales with 4% growth.”
Discover a suite of indexed universal life insurance products, built for a wide range of clients — from wealth builders, to protectors, to business owners and those looking for premium finance opportunities. These products offer flexibility and customizable features that let you tailor policies to your clients’ needs throughout the lifetime of the policy.
Indexed Universal Life (IUL) insurance policies are issued by The Lincoln National Life Insurance Company ("Lincoln").
View products below to see which one may align with their needs and explore more on the product pages.
1 Loans, related interest and withdrawals will reduce the policy's cash value and death benefit; may cause the policy to lapse and may have tax implications.
2 Additional charges may apply.
vs.
From portfolio offerings to new tools, Lincoln leaders highlight the priorities powering our future.
Subscribe here for alerts on new products, resources and enhancements.
Privacy | Legal | ©2026 Lincoln National Corporation
Lincoln Financial is the marketing name for Lincoln National Corporation and insurance company affiliates, including The Lincoln National Life Insurance Company, Fort Wayne, IN, and in New York, Lincoln Life & Annuity Company of New York, Syracuse, NY. The Lincoln National Life Insurance Company does not solicit business in the state of New York, nor is it authorized to do so. Affiliates are separately responsible for their own financial and contractual obligations.
Lincoln WealthBuilder® 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® IUL is issued on policy ICC24-UL6097/24- UL6097, Lincoln WealthProtectorSM IUL is issued on policy ICC25-UL6099/25-UL6099 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. 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 www.spdji.com. 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: https://www.spglobal.com/spdji/en/indices/multi-asset/sp-500-dynamic-intraday-tca-index-usd-er/#overview
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: https://www.spglobal.com/spdji/en/indices/multi-asset/sp-500-daily-risk-control-10-index/?currency=USD&returntype=E-#overview
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.
Lincoln Financial does not recommend, endorse, sponsor, or otherwise offer Premium Financing. Lincoln Financial and its affiliates do 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.
Distributions are taken through loans and withdrawals, which, together with loan interest, 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.
For financial professional use only. Not for use with the public.
LCN-8604655-111325
2/26 Z03
Order code: IUL-DIGXP-IDE001
