Affordable. Guaranteed. Innovative. See how a rising 10-year Treasury yield can benefit you. Client Guide. Lincoln Treasury Indexed UL
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1 Lincoln Treasury Indexed UL Affordable. Guaranteed. Innovative. See how a rising 10-year Treasury yield can benefit you The Lincoln National Life Insurance Company Not a deposit Not FDIC-insured May go down in value Not insured by any federal government agency Not guaranteed by any bank or savings association Client Guide LIFE SOLUTIONS 07509
2 The innovative solution that gets better if 10-year Treasury yields rise Now you can have affordable, guaranteed death benefit protection from an indexed universal life insurance policy like no other. Lincoln Treasury Indexed UL offers you the assurance of a guarantee now. With your advisor s help, you choose the duration of your initial guarantee, and if the 10-year Treasury yield exceeds minimum levels, your policy will earn credits annually. 1 Your initial guarantee is locked in, regardless of 10-year Treasury yields You benefit if the 10-year Treasury yield rises Make your policy work for you Your earned credits accumulate year after year, and you can use them beginning in year as a: Premium Election to extend your guarantee up to a lifetime or to reduce out-of-pocket premiums - OR - Withdraw Election to receive a cash payment - OR - Policy Value Election to keep the earned credits in the policy value Different 10-year Treasury yield assumptions will produce varying results. Your policy gives you built-in guarantees An initial guaranteed death benefit amount and duration Guaranteed new earned credits based on a minimum 10-year Treasury yield of 4% for the first 5 years (In the first year, your earned credits will be applied as a Premium Election.) The ability to earn more credits in years 6+ if the average 10-year Treasury yield is % or higher up to a maximum of 8% It s easy to track your policy s earned credits They re determined by one transparent index based on the 10-year Treasury yield. Guarantees are subject to the claims-paying ability of the issuing company. 1 Based on the 10 Year Constant Maturity Treasury Note nominal yield published by the Federal Reserve Board, referred to as the 10-year Treasury yield in this material. This election will not improve guarantees. If planned premiums are paid as scheduled and there are no policy changes.
3 You re always in charge You ll receive an annual earned credit letter 60 days before each policy anniversary. It will show you the average annual 10-year Treasury yield over the past 1-month period, and your new earned credit and total earned credit for the upcoming policy anniversary. You can change your out-of-pocket premium to stay on track with your policy goals if actual index performance differs from what was assumed in your illustration. Or do nothing and still have a guaranteed death benefit. Facts about the 10-year Treasury You can follow U.S. Treasury yields anytime. Over the past 0 years, the average 10-year Treasury yield was 4.78%. U.S. Treasury yields are a component of the Leading Economic Index. 4 U.S. Treasuries are popular with investors throughout the world. 5 Historical 10-year Treasury performance 15 1 Yields 9 6 0% Data source: U.S. Department of the Treasury Resource Center, index.aspx, accessed January 1, 01. Past performance is no guarantee of future results. While your policy is indexed to the Federal Reserve s 10 Year Constant Maturity Treasury Note nominal yield, it is not directly invested in Treasury securities. 4 The Conference Board Leading Economic Index (CEI) for the U.S., January 4, Ben Rooney, CNNMoney, Foreign Investors Buy $16.7 Billion Worth of U.S. Securities in June, foreign-investors-treasuries/, August 15, 01.
4 Get ready for tomorrow You know your goals. You know what s important to you. You want to protect what matters most. With Lincoln Treasury Indexed UL, you and your advisor have the ability to customize your policy to meet your needs. Meet Jack Age 55 Nonsmoker in good health Married with young children Jack meets with his advisor to make sure he has the right financial protection for his loved ones and his future. 4
5 Lincoln Treasury Indexed UL can help Jack reach his goals He has an affordable $1 million death benefit guaranteed to age 81, regardless of the 10-year Treasury yield. He has the opportunity to extend his guarantee if the 10-year Treasury yield exceeds minimum levels. He s in charge. He has options if his situation or goals change. Jack wants: Affordable life insurance to provide income replacement Guaranteed death benefit protection Flexibility if his needs change After considering other solutions, his advisor recommends a Lincoln Treasury Indexed UL policy with a $1 million guaranteed death benefit. 5
6 How it can work for Jack 1 His annual premiums for his initial death benefit are set at $1,198 and never increase. 1 His $1 million initial death benefit is guaranteed. It will never decrease. 1 In the first 5 years, his policy will earn credits* based on a guaranteed minimum 10-year Treasury yield of 4% no matter how the index performs. 4 5 After year 5, if the average annual 10-year Treasury yield is % or more, his policy continues to earn new credits. His credits accumulate every year and are fully vested. Once Jack earns them, he can never lose them. Jack can use them in one of three ways: A Premium Election to extend his guarantee up to a lifetime or reduce his out-of-pocket premiums (If the annual 10-year Treasury yield averages 4.5% each year of his policy, he can extend his guarantee to a lifetime.) A Withdrawal Election to receive a cash payment A Policy Value Election to keep his earned credits in his policy value If the 10-year Treasury yield rises, Jack can benefit. 1 If planned premiums are paid as scheduled and there are no policy changes. See the Coverage Protection Guarantee flier for specifics about the impact of policy loans. The initial death benefit guarantee is to age 81. Subject to any changes made by the policyowner. This election will not extend your policy guarantees. 6
7 With the Premium Election, Jack s credits extend his guarantee 1 Annual premium Illustrated death benefit Average annual index return Guarantee age $1,198 $1,000,000 Less than % 81 $1,198 $1,000,000.00% 8 $1,198 $1,000,000.5% 8 $1,198 $1,000,000.50% 84 $1,198 $1,000,000.75% 84 $1,198 $1,000,000.00% 85 $1,198 $1,000,000.5% 87 $1,198 $1,000,000.50% 89 $1,198 $1,000,000.75% 9 $1,198 $1,000, % 96 $1,198 $1,000, % 100 $1,198 $1,000, % Lifetime $1,198 $1,000, % Lifetime $1,198 $1,000, % or more* Lifetime 5 INITIAL GUARANTEE EXTENDED GUARANTEE 8% 6% 4% % 0% Earn additional credits if the average annual index is above 4% Guaranteed earned credits based on average annual index of 4% 4 Earn new credits if average annual index is % YEARS 6+ Based on a male, age 55, standard nontobacco, $1 million death benefit, state of Florida. *Earned credits are based on a per $1,000 earned credit factor, which varies by underwriting class, issue age and gender. In year 1, earned credits will be based on a 4% average annual index yield. 7
8 Expect more for your future. Your advisor can show you what Lincoln Treasury Indexed UL can do for you. 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 01 Lincoln National Corporation LincolnFinancial.com Lincoln Financial Group is the marketing name for Lincoln National Corporation and its affiliates. Affiliates are separately responsible for their own financial and contractual obligations. LCN POD /1 Z01 Order code: UL-TI-BRC001 Important disclosures: Lincoln Treasury Indexed UL is issued on policy form UL507 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 claimspaying ability of the issuer. Products, riders and features are subject to state availability. Limitations and exclusions may apply. Not available in New York. Duration is the number of years the life insurance policy will be in effect. U.S. Treasury securities are negotiable debt obligations issued by the U.S. government and backed by its full faith and credit. This product is not backed by the U.S. Treasury or any government entity. The 10-year constant maturity Treasury Note nominal yield is the rate used by the U.S. Treasury Department that represents a daily determination of what the yield on the note would be if it were issued on that day. The 10-year Treasury yield can be found at
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