Variable Universal Life – Lincoln Financial Group #universal #variable #life

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Variable universal life insurance

Like universal life insurance, variable universal life insurance (VUL) combines the protection of term insurance with an accumulation value. In addition, it offers the upside potential of variable investment options. It is also known for its flexibility in premium and death benefits.

Variable universal life insurance benefits

  • All the benefits of universal life insurance
  • Flexible premiums and death benefits
  • Cash value growth potential based on the performance of your policy s allocations
  • Ability to choose where your premiums are invested
  • Tax-deferred earnings

Single life insurance products

  • Lincoln AssetEdge ® VUL (2015)
  • Lincoln AssetEdge Exec VUL (2015)
  • Lincoln VUL ONE (2014) (not available in New York)
  • Lincoln AssetEdge ® VUL (2009)
  • Lincoln AssetEdge ® Exec VUL (2009)

Survivorship life insurance products

  • Lincoln SVUL ONE (2016) (not available in New York)
  • Lincoln PreservationEdge ® SVUL
  • Lincoln SVUL ONE (2013) (not available in New York)

New York insurance products

  • Lincoln AssetEdge VUL (2015) NY
  • Lincoln AssetEdge Exec VUL (2015) NY
  • Lincoln PreservationEdge SVUL NY

Lincoln VIP Trust insurance products

Products not available for new sales

Single life

  • AetnaVest
  • AetnaVest II
  • AetnaVest Plus
  • American Legacy AssetEdge SM VUL
  • American Legacy AssetEdge SM VUL (2009)
  • American Legacy Estate Builder
  • American Legacy Life (Policy Years 11+)
  • American Legacy VUL
  • American Legacy VUL CV-III
  • American Legacy VUL CV-IV
  • American Legacy VUL DB-II
  • American Legacy VUL DB-IV
  • CG ACCRU VUL
  • CG VUL-1
  • Emancipator Life
  • Lincoln AssetEdge VUL
  • Lincoln AssetEdge Exec VUL
  • Lincoln Ensemble I VUL
  • Lincoln Ensemble II VUL
  • Lincoln Ensemble III VUL
  • Lincoln Ensemble Accumulator VUL
  • Lincoln Ensemble Exec VUL
  • Lincoln Ensemble Exec 2006 VUL
  • Lincoln Ensemble Protector VUL
  • Lincoln MG VUL Elite
  • Lincoln VUL CV
  • Lincoln VUL CV-II
  • Lincoln VUL CV-II Elite
  • Lincoln VUL CV-III
  • Lincoln VUL CV-IV
  • Lincoln VUL DB
  • Lincoln VUL DBElite
  • Lincoln VUL DB-II
  • Lincoln VUL DB–IV
  • Lincoln VUL FLEX
  • Lincoln VUL-1
  • Lincoln VUL ONE
  • Lincoln VUL ONE 2005
  • Lincoln VUL ONE 2007
  • Lincoln VUL ONE 2010
  • Lincoln VUL ONE 2012
  • Lincoln VUL-III
  • Multi-Fund Variable Life

Survivorship life

  • AetnaVest EP
  • AetnaVest EPII
  • American Legacy SVUL-III
  • American Legacy SVUL-IV
  • American Legacy PreservationEdge SM SVUL
  • Lincoln Ensemble SVUL
  • Lincoln Heritage SVUL
  • Lincoln SVUL
  • Lincoln SVUL-I
  • Lincoln SVUL-II
  • Lincoln SVUL-II Elite
  • Lincoln SVUL-III Elite
  • Lincoln SVUL-IV
  • Lincoln SVUL ONE
  • Lincoln SVUL ONE 2007

New York products

  • American Legacy VUL CV-III
  • American Legacy VUL CV-IV
  • American Legacy VUL DB-IV
  • American Legacy SVUL-IV
  • Lincoln AssetEdge ® Exec VUL
  • Lincoln Ensemble ® II VUL
  • Lincoln VULCV
  • Lincoln VULCV-II Elite
  • Lincoln VULCV-III
  • Lincoln VULCV-IV
  • Lincoln VULDB
  • Lincoln VULDB-II
  • Lincoln VULDB-IV
  • Lincoln VULDB Elite
  • Lincoln VUL FLEX
  • Lincoln VUL-1
  • Lincoln VUL ONE
  • Lincoln VUL ONE 2005
  • Lincoln VUL ONE 2007
  • Lincoln VUL ONE 2010
  • Lincoln SVUL
  • Lincoln SVUL Elite
  • Lincoln SVUL-II Elite
  • Lincoln SVUL-III Elite
  • Lincoln SVUL-IV
  • Lincoln SVUL ONE
  • Lincoln SVUL ONE 2007

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Variable Universal Life insurance products are issued on contract/policy forms LN698/LN696/LN699/LN697/LR697 and state variations by The Lincoln National Life Insurance Company, Fort Wayne, IN, and offered through broker-dealers with an effective selling agreement. Products and features are subject to state availability.

Policies sold in New York are issued on policy form LN698/LN696/LN699/LN697/LR697 by Lincoln Life Annuity Company of New York, Syracuse, NY, and distributed by Lincoln Financial Distributors, Inc. Contractual obligations are subject to the claims-paying ability of Lincoln Life Annuity Company of New York.

The No-Lapse provision will terminate if the death benefit option is changed. After the no-lapse benefit expires or terminates, the accumulation value must be sufficient to keep the policy in force or additional premiums will be required to avoid a policy lapse. This feature may not be available in all states. In Illinois, this provision must be referred to as Coverage Protection.

Guarantees subject to the financial strength of the issuer.

Variable Life insurance products are sold by prospectus. Consider the investment objectives, risks, charges, and expenses of the variable product and its underlying investment options carefully before investing. The prospectus contains this and other information about the variable product and its underlying investment options. Please review the prospectus available online for additional information. Read it carefully before investing.

Policy values will fluctuate and are subject to market risk and to possible loss of principal.

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2017 Lincoln National Corporation. All rights reserved. Lincoln Financial Group 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. Variable products distributed by broker-dealer/affiliate Lincoln Financial Distributors, Inc. Radnor, PA. Securities and investment advisory services offered through other affiliates.

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