presenter name (edit on slide master) ©2009 lincoln national corporation for agent or broker use...

Presenter Name (Edit on Slide Master)

©2009 Lincoln National CorporationFor agent or broker use only. Not for use with the public.

LCN0910-2035911 LIF-GEN-09-0027_ LIF-GEN-PPT001 10/09

Competitive in all environments

Your leading choice for life


LCN0910-2035911 LIF-GEN-09-0027_LIF-GEN-PPT001 10/09

Where we excel

Lincoln wholesaling makes the difference

Partnering and growing your business

Industry-leading underwriting

Broad and innovative portfolio

Company strength

Two separate companies issue Lincoln life insurance products. New York policies are issued by Lincoln Life & Annuity Company of New York, Syracuse, NY. For all other states, policies are issued by The Lincoln National Life Insurance Company, Fort Wayne, IN. These companies are separately responsible for satisfying their own financial and contractual obligations.

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



A tradition of strength — dedicated to your clients’ financial future

Twelve million Americans trust Lincoln Financial to help them build, protect, and distribute their wealth during and after their lifetimes.

Great Depression

World War II

September 11th

Lincoln Financial Group®

Lincoln Financial Group®World War I Market crash of 1929



Finishing strong

#1 in UL sales for last 3 years from 2007 to 2009

#3 in total life sales, and in the top 5 for the last 4 years from 2006 to 2009

Growing VUL market share

Source: Based on data supplied in LIMRA Individual Life Insurance Sales in the U.S. — UL Supplement, 2Q 2009.



A broad, innovative portfolio

MoneyGuard

SurvivorshipVULUL IUL

Breadth of life insurance products

Term

COLI/BOLI



Hello future®

LTC Solutions

Life insurance

Lincoln EnterpriseSolutions

Variable annuities

Executive benefits

Defined contribution

plans

Group protection

Fixed and indexed

annuities



Building partnerships•Provide dedicated, customer-focused teams •Create a partnership culture with customers and associates•Build trusting relationships

Innovate, evolve, and lead•Deliver competitive offers•Attract, develop, and retain top talent•Deliver dynamic, real-time technology solutions and innovative case management tools•Focus on cutting out the hassle

Breadth and expertise you can count on• 130 underwriters in 4 locations, with an average of more than 16 years of experience





Internal retention limit up to $10 million

This applies to permanent insurance only.





Automatic binding

limit up to $50 million (ages 0–80)

Term $20 million





• Requirements for survivorship based on one-half the face amount


Automatic binding

limit up to $50 million (ages 0–80)

Term $20 million

Jumbo limit of $65 million (ages 0–80)





• No MD exams up to $50 million or after age 69 (paramed exam required)• Treadmills only required between ages 55–69 for cases over

$10 million• Liberal BMI and cholesterol guidelines• Consideration for cancer

― Family cancer history not considered― Very competitive with older age prostate and breast

cancer• Timeframes for evidence requirements: Ages 0–69 Age 70+

Paramed and MD Exam Up to 12 months Up to 6 months

Chem profile, urine specimen Up to 12 months Up to 6 months Resting EKG 12 months Treadmill EKG 24 months (if resting EKG is available within 90 days) PHI/Inspection Report 12 months

MVR 6 months



Table reduction program(C to standard)

• Medical impairments Table C (175%) or less — reduced to standard• $10 million maximum face amount through age 70• Available on all permanent products (no term)• Available on survivorship if both insureds are Table C (175%)

or less, and age 70 and under (this is after applying all available credits)• Includes medical flat extras of $5 per $1,000 or less

(not combined with a table rating)



Standard nonsmoker for tobacco users who

Underwriting opportunity

• Use chewing tobacco, pipe, or cigars• Have a urine specimen that’s

positive for nicotine• Have not used any cigarettes

in the past 12 months• Meet all standard criteria

(and other criteria as described in underwriting guidelines)



Preferred status for some foreign nationals who

Underwriting opportunities

• Reside in Standard Rate Countries (per Lincoln’s foreign national guidelines)

• Enjoy exceptional health• Have a residence, business, or substantial financial interest

in the U.S.• Have a U.S. Social Security

number, Tax ID number, or IRS form W-8

• Want permanent products (no term)

• Meet all preferred criteria (and other criteria as described in underwriting guidelines)



Underwriting opportunity

Preferred rates on private pilots who

• Have an Instrument Flight Rating• Fly less than 250 hours a year in the U.S.

and sometimes Canada• Clean motor vehicle record• Are under age 70• Meet all preferred criteria (and other criteria

as described in underwriting guidelines)



Advanced Sales support (dedicated team available for consultation, presentations, and case design support)

Helping you grow your business

Sales and marketing programs (with specialized marketing materials)

Conceptual, customer-focused marketing material



Advanced Sales support

Who are they?• Life specialist attorneys• Credentialed life consultants • Case design and technical concept specialists• Continuing education specialists

How they can help• Trust-owned life insurance• Asset protection• Premium financing• Tax questions• Sample documents• Case-specific consultations • Calls with the client’s other advisors• Training



Sales and marketing programs

• PAR — Professional Analysis and Review• Lincoln LifeLINC® program — asset leverage program• Nonqualified deferred compensation and estate planning

illustration and administrative system• Concentrated stock• Other business programs



Conceptual marketing materials

• Wealth transfer • Business strategies• Life insurance solutions

More than 350 marketing pieces to help you present Lincoln life products or programs to your clients! Access www.LFD.com to see what you can use today.



Takeaways

Lincoln wholesaling makes the difference

Partnering and growing your business


Broad and innovative portfolio

Company strength



Competitive in all environments



Important disclosures. Please read.

Important disclosures. Please read.Lincoln life insurance policies are issued by TheLincoln National Life Insurance Company, FortWayne, IN. The Lincoln National Life InsuranceCompany does not solicit business in the state of New York, nor is it authorized to do so.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.Contractual obligations are backed by the claimspaying ability of Lincoln Life & Annuity Company of New York.

Products and features are subject to stateavailability. Limitations and exclusions may apply.With variable products, policy values will fluctuateand are subject to market risk and to possible loss ofprincipal.

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.

This material was prepared to support the promotion and marketing of life insurance products. Lincoln Financial Group® affiliates, their distributors, and their respective employees, representatives, and/or insurance agents do not provide tax, accounting, or legal advice. Any tax statements contained herein were not intended or written to be used, and cannot be used for the purpose of avoiding U.S. federal, state, or local tax penalties. Please consult your own independent advisor as to any tax, accounting, or legal statements made herein.

Lincoln Financial Group is the marketing name for Lincoln National Corporation and its affiliates.

©2009 Lincoln National Corporationwww.LincolnFinancial.com

Affiliates are separately responsible for their own financial and contractual obligations.

presenter name (edit on slide master) ©2009 lincoln national corporation for agent or broker use...

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