Lifetime guaranteed death benefit options
Compare the choices for a
lifetime protection strategy
®
UL
Lincoln LifeGuarantee
ONE
Lincoln VUL
*Lincoln VULONE (2012).
The Lincoln National Life Insurance Company
Not a deposit
Not FDIC-insured May go down in value
Not insured by any federal government agency
LIFE SO LUT IO NS
Not guaranteed by any bank or savings association
2079538
For broker-dealer use only. Not for use with the public.
Which lifetime guaranteed death benefit solution
is the best fit for your clients?
For some of your clients, a life insurance policy with a lifetime guaranteed death benefit is the
right choice. For others, lifetime guaranteed protection and the flexibility of cash value growth
potential is what they need most. Lincoln provides you and your clients choices when it comes to
acquiring a death benefit that is guaranteed for life, regardless of investment option performance.
Take a closer look at our lifetime guaranteed death benefit options so that you can determine
which solution may be right for your clients.
Compare the benefits of our guaranteed product lineup
Lincoln LifeGuarantee® UL
Lifetime
guaranteed
death benefit*
Lincoln VULONE
Guaranteed
premium that
will not increase
Lincoln LifeGuarantee® UL
Lincoln VULONE
*Provided the policy is fully funded.
Consider the premium required to acquire
a lifetime guaranteed death benefit.
Market-driven
growth potential
See what Lincoln LifeGuarantee® UL and Lincoln VULONE can do
$1 million level lifetime guaranteed death benefit, male, standard nontobacco
Single premium*
Lincoln LifeGuarantee® UL
Age
Guaranteed
single premium
Guaranteed
20th-year
surrender value
45
55
65
75
$231,458
$337,227
$509,088
$734,376
$36,932
$0
$0
$0
Lincoln VULONE
Target
$10,280
$16,400
$27,060
$47,400
Age
Guaranteed
single
premium
Nonguaranteed
20th-year surrender
value (assuming
-0.67% net)
Nonguaranteed
20th-year surrender
value (assuming
7.00% net)
Target
45
55
65
75
$174,336
$253,044
$385,404
$553,788
$53,158
$14,532
$0
$0
$442,809
$588,043
$885,851
$1,201,456
$14,650
$25,500
$40,000
$55,000
Five-pay premium
Lincoln LifeGuarantee® UL
Lincoln VULONE
Age
Guaranteed
premium paid
for 5 years
Guaranteed
20th-year
surrender value
Target
45
55
65
75
$50,102
$72,580
$108,526
$150,296
$48,693
$0
$0
$0
$10,280
$16,400
$27,060
$47,400
Age
Guaranteed
premium paid
for 5 years
Nonguaranteed
20th-year surrender
value (assuming
-0.67% net)
Nonguaranteed
20th-year surrender
value (assuming
7.00% net)
Target
45
55
65
75
$39,828
$57,828
$88,188
$127,152
$76,835
$51,936
$0
$0
$449,360
$595,821
$890,061
$1,177,443
$14,650
$25,500
$40,000
$55,000
Level premium
Lincoln LifeGuarantee® UL
Lincoln VULONE
Age
Guaranteed level
premium paid to
age 121
Guaranteed
20th-year
surrender value
Target
Age
45
55
65
75
$9,790
$15,211
$25,610
$45,198
$0
$0
$0
$0
$10,280
$16,400
$27,060
$47,400
45
55
65
75
Lincoln LifeGuarantee® UL (2013) solved for premium guarantee to
maturity using Cash Value Accumulation Test. Surrender values assume
guaranteed 2% interest crediting and guaranteed expenses.
Nonguaranteed
Nonguaranteed
Guaranteed
20th-year surrender 20th-year surrender
level premium
value (assuming
value (assuming
paid to age 121
-0.67% net)
7.00% net)
$10,320
$16,224
$27,948
$49,920
$94,346
$95,391
$60,290
$0
$246,255
$312,223
$457,216
$614,872
Target
$14,650
$25,500
$40,000
$55,000
Lincoln VULONE (2012) solved for premium to guarantee to maturity using Cash Value Accumulation
Test. Surrender values assume hypothetical rate of return and nonguaranteed expenses.
*This scenario assumes 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.
It’s good to have options
When you evaluate guaranteed coverage options for your clients, consider these
important features:
•Protection with a lifetime guaranteed death benefit, regardless of investment
option performance
•Financial flexibility to adapt to future changes in your client’s situation
Our Compare UL to VUL tool is available on our
Lincoln DesignItSM Platform.
Use this tool to check product options quickly with just one click to Compare UL to VUL.
For more information, contact your Lincoln representative today!
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
©2013 Lincoln National Corporation
LincolnFinancial.com
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.
LCN1304-2079538
POD 4/13 Z03
Order code: LIF-GUAR-FLI001
Issuers:
The Lincoln National Life Insurance Company, Fort
Wayne, IN
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.
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. Products and features are subject
to state availability. The insurance policy and riders
have limitations, exclusions, and/or reductions.
Distributor:
Lincoln Financial Distributors, Inc., a broker-dealer
Policies:
Lincoln LifeGuarantee® UL (2013) policy form
UL6000 and state variations (not available in NY).
Lincoln VULONE (2012) policy form LN696 and state
variations (not available in NY).
Variable products: Policy values will fluctuate
and are subject to market risk and to possible loss of
principal.
Variable products are sold by prospectus,
which contains the investment objectives,
risks, and charges and expenses of the
variable product and its underlying
investment options. Read carefully.
Not for use in the state of New York.
For broker-dealer use only. Not for use with the public.