The upside potential and protection from negative returns:  Look to the Lincoln LifeReserve Indexed UL.

The markets are as unpredictable as the weather, consider a life insurance policy with strong stability but more growth potential that a traditional fixed policy.  Lincoln LifeReserve IUL can offer your clients

• Death Benefit Protection
• Interest rate flood during market downturns
• Account value access to supplement income
• Opportunity for accumulation
• Riders for policy customized

Lincoln Life Guarantee UL – Strategies and Case Studies for using life insurance as a portfolio diversification strategy

Money Guard Reserve – Link to a Brain shark presentation on using this product to leverage assets to protect against the risk of long term care and hold on to funds that help provide a secure retirement

Lincoln LifeGuarantee UL

• Pricing: reduced level pay to 100, rolling target, no premiums required after 100 for lifetime guarantee

• Accelerated Benefit Rider can include nursing home care or critical illness

• Coverage Protection Guarantee assuring No Lapse

• Underwriting: high paramed limits, liberal BMI, Table Shaving (limit at age 70) cancer is not considered in family history rate class determination

• MoneyGuard: there is a new limit policies effect 1-1-2010

• Limit is two applications per one life in a 12 month period Maximum number of policies per Insured is four (4)

• Transition period for Lincoln Life Guarantee UL and Life Guarantee Plus ended 12-31-09 everywhere except Puerto Rico.

• Reduction of Credited Interest Rates effective January 1, 2010

• Fixed account on variable UL by 20 basis points (0.20%) which floored at the product guaranteed rates

• Credited interest rates on fixed UL, variable and indexed UL will be effective 1-1-10.
  Whole Life policies will take effect at the next policy anniversary on or after 1-1-10.

• Change does not impact the performance of guaranteed no-lapse premiums on many current products, products at contractual guarantees or caps and spreads for Lincoln LifeReserve

As of January 1,2010 new business will require new illustrations on pending business showing the new interest rate

• VUL Dollar Cost Averaging Program ended 12-31-09

• Update on LVIP Wilshire Profile Funds available www.LincolnFinancial.com

• New Website tools for Customer Service include Client Downloads; new tools for Compensation include Commission Statements, Earnings Statements and Pending Commissions