Lincoln VULONE (2014)

Financial protection that lasts a lifetime and market-driven growth opportunities

Lincoln VULONE* provides a tax-advantaged guaranteed death benefit, regardless of market conditions or investment options selected.1

Freedom to pursue growth potential

With Lincoln VULONE you have the freedom to pursue the growth opportunities you want from the diverse investment options of 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 VULONE 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 premiums early, extend the guarantee duration and/or access the excess policy cash value growth for income.2

Make your life insurance policy work for you by adding optional protection if you’re concerned about

Policy lapse

  • Overloan Protection Rider — If eligible, guarantees a heavily funded and heavily loaned policy will not lapse or incur adverse tax consequences in the event of a market downturn. Automatically included with policy. Not available with CVAT; one-time charge when exercised.

Unexpected healthcare needs

  • Lincoln Care CoverageSM Accelerated Benefits Rider3 ― pays out all or a portion of the death benefit to provide you monthly tax-efficient reimbursements for qualified long-term care expenses. Available at an additional cost.
  • Lincoln LifeAssure® Accelerated Benefits Rider4 — pays out all or a portion of the death benefit to give you a source of tax-advantaged funds to use for any purpose if you have a permanent chronic or terminal illness. At the time of claim, the benefit amount will be reduced and you will be charged a per claim administrative fee. There is no additional upfront cost for this rider.
  • Lincoln LifeEnhance® Accelerated Benefits Rider4— pays out all or a portion of the death benefit to give you a source of tax-advantaged funds to use for any purpose if you have a permanent chronic or terminal illness. You’ll also have protection from policy lapse once benefit payments begin. Available at an additional cost.
  • Accelerated Benefits Rider— pays out a portion of the death benefit if you were to fall terminally ill and need help during a critical illness, or are confined to a nursing home. There is a one-time charge when rider is exercised. Available at an additional cost.
  • Waiver of Monthly Deduction Rider — waives the monthly deduction and other charges if you become totally disabled. Available at an additional cost.

Balance sheet solutions

  • Enhanced Surrender Value Rider — Where available at an additional cost.

Policy customization and flexibility

  • Premium Reserve Rider5 — Included where available; subject to certain fees and account credits if premiums are directed to this rider.
  • Benefit Selection Option6— Available at issue.

Changing insureds

  • Change of Insured Rider — Allows the owner to transfer the basic policy on the life of the original insured for a policy on the life of someone else.

What it can bring to your life

  • Lifetime guaranteed death benefit protection for your loved ones, or your business, regardless of your investment option performance
  • Access to potential cash value to do the things you want in life7
  • Freedom of choice from more than 70 investment options from our Lincoln Elite Series of Funds
  • The financial security of a guaranteed legacy that transfers tax-efficiently

With any VUL product, certain fees and costs are involved, including monthly cost of insurance, administrative expense and premium load charges, as well as daily charges on assets invested in the variable subaccounts for mortality and expense risk, and asset management fees. Please consult the prospectus or ask your financial advisor for more detailed information.

*Lincoln VULONE (2014). Not available in New York.
1Assumes the policy is funded as specified. To maintain the guaranteed death benefit protection, automatic rebalancing is required and the use of the money market investment option is limited to the right-to-examine period, or as an account from which to transfer funds for the dollar cost averaging (DCA) program.

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.

3Subject to underwriting and certain requirements. Limitations and exclusions apply. For cost and complete details of coverage, please contact your advisor.

4Subject to certain requirements. Limitations and exclusions apply. For additional details, please contact your advisor.
5Please see the prospectus for more detailed information.

6Selection of the Benefit selection Option can affect the cost of some aspects of the policy and its riders.

7Distributions are taken through loans and withdrawals, which reduce a 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 the cost basis, provided the policy is not a MEC.

The purpose of this communication is the solicitation of life insurance. Contact may be made by a licensed insurance agent/producer or insurance company.

Lincoln Care CoverageSM ABR is an optional rider available through the purchase of Lincoln VULONE (2014). 

This coverage is intended to be recognized as qualified long-term care insurance under federal law. The acceleration of life insurance benefits provided under the long-term care riders is intended to qualify for favorable tax treatment under Section 7702B(b) of the Internal Revenue Code. For federal income tax purposes, the policy is considered a qualified long-term care insurance contract. Note that a state insurance department does not in any way warrant that this coverage meets the requirements of Section 7702B(b) of the IRC.

Available in all states except AZ, CA, CT, DC, DE, FL, HI, IN, MT, ND, NJ, NY, SD, VI.

Lincoln VULONE (2014) is issued on policy form LN696/LR668, with optional rider form ICC18ABR-7052; and state variations are issued 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 prospectuses. 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 current prospectuses, please call 800-444-2363 or go to

With variable products, 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.