Lincoln SVULONE (2013)*
Guaranteed lifetime death benefit protection for two lives and the freedom to pursue growth potential
Lincoln SVULONE insures two individuals in a single policy. It provides an income tax-free guaranteed death benefit, regardless of market conditions or investment options selected, paid on the second death.1
Freedom to pursue growth potential
Lincoln SVULONE offers you the freedom to pursue growth potential with diverse investment options from the Lincoln Elite Series of Funds. You can work with your advisor to select from more than 70 investment choices from well-known fund managers to develop a policy portfolio that matches your risk tolerance and investment objectives, without impacting the guaranteed death benefit.
Flexibility for the future
Lincoln SVULONE also offers flexibility and the potential to enhance your benefits based on positive market performance. If the policy's cash value reaches a predetermined threshold, you can choose to stop paying the premium early, extend the guarantee duration and/or access the excess policy cash value growth for income.2
What it can bring to your life:
- Lifetime guaranteed death benefit protection for your loved ones, no matter what the market does and regardless of the investment options you choose
- Access to potential cash value in the future to do the things you want in life3
- Freedom of choice from more than 70 investment options from our Lincoln Elite Series of Funds
- Protection with a guaranteed legacy that transfers income tax-free and possibly estate tax-free
*Lincoln SVULONE (2013). Not available in New York.
1Assumes the policy is funded as specified.
2Our Premium Reserve Rider give you access to any potential cash value, above a predetermined threshold without impacting the guaranteed benefit. The Premium Reserve Rider is included where available, and is subject to certain fees and account credits.
3Loans and withdrawals reduce the account value and death benefit, may cause the policy to lapse, and may have tax implications. Distributions are taken through loans and withdrawals which reduce your policy’s cash surrender value and death benefit and may cause the policy to lapse. Loans are not considered income and are tax free. Withdrawals and surrenders are tax-free up to your cost basis, provided your policy is not a modified endowment contract (MEC). An 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.
Lincoln SVULONE (2013) is issued on policy form LN697 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.
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.
Lincoln variable universal life insurance is sold by prospectus. Carefully consider the investment objectives, risks, and charges and expenses of the policy and its underlying investment options. This and other important information can be found in the prospectus for the variable universal life policy and the prospectus for the underlying investment options. Prospectuses are available upon request and should be read carefully before investing or sending money. For a current prospectus, please call 800-444-2363 or go to www.LincolnFinancial.com.
Policy values will fluctuate and are subject to market risk and to possible loss of principal. Products, riders and features are subject to state availability. Limitations and exclusions may apply. Not for use in the state of New York.