Accumulation-focused IUL product offers enhanced cash growth potential with new interest bonuses; access to cash value provides income for financial needs, such as retirement and college tuition
14 May 2018

RADNOR, Pa.--(BUSINESS WIRE)--Lincoln Financial Group (NYSE:LNC) today announced the latest addition to its broad suite of life insurance products, Lincoln WealthAccumulate SM Indexed Universal Life (IUL). Lincoln WealthAccumulate SM IUL provides clients the flexibility to achieve a wide range of financial goals as life changes, offering significant cash value growth opportunities and supplemental income through distributions.

“As clients move through life’s stages, financial planning needs evolve, requiring solutions that can keep pace” said Stafford Thompson, Jr., senior vice president of Life Product Management, Lincoln Financial Group. “With its significant growth and distribution potential, as well as optional features, Lincoln WealthAccumulate IUL is a potential financial resource to use throughout life — from providing financial security for loved ones early on, to paying college tuition or protecting a business in the middle years — to planning for retirement or living benefits later in life.”

Cash Value Accumulation
With Lincoln WealthAccumulate IUL, clients can pursue cash value growth potential based on their long-term goals and downside protection preferences with a choice of three indexed accounts. These accounts give clients the potential to earn interest, up to a maximum cap, based on the performance of the S&P 500 Index. Each account also gives clients an interest bonus for positive market performance. Clients have the freedom to allocate in one or all three account options:

  • Perform Indexed Account — For those who want the most upside potential at an additional cost
  • Balance Indexed Account —Offering a balanced approach to upside potential and downside protection
  • Conserve Indexed Account — For those who prioritize guaranteed features with upside potential

Even in a declining market, clients never face a market loss because each indexed account offers downside protection with a guaranteed minimum return.

Throughout their lives, clients have the flexibility to change allocations to respond to different market conditions or their evolving needs. They also have the flexibility to access their policy’s cash surrender value at any time as a source of supplemental income for retirement or other needs and milestones.

“Life insurance can play a role in growing, protecting and passing on family assets as part of a well-rounded financial portfolio,” said Andy Bucklee, senior vice president of Insurance Solutions Distribution, Lincoln Financial Distributors. “Advisors have clients who are accumulating cash, nearing retirement or protecting their legacy, and Lincoln WealthAccumulate IUL is a flexible, transparent solution that can adapt to meet those needs.”

Added Protections
In addition to offering the financial security of a death benefit, Lincoln WealthAccumulate IUL is available with Accelerated Death Benefits Riders (ABR), including Lincoln’s newest ABR, Lincoln LifeAssure SM , which has no upfront costs. These living benefit options provide a source of supplemental funds in the event of permanent chronic or terminal illness.

Lincoln WealthAccumulate IUL also offers several features designed to help business owners protect their business, their employees and their legacy, that include offering high early cash values through the Exec Rider and the Surrender Value Enhancement Endorsement. These features allow business owners to reposition current company assets to purchase life insurance while minimizing impact to the balance sheet, or provide collateral value to qualify for premium financing arrangements.

Lincoln WealthAccumulate IUL is immediately available through Lincoln’s national network of distribution partners (in states where approved). For more information on the product, visit the Lincoln Financial Group website.


The S&P 500 Index is a product of S&P Dow Jones Indices LLC (“SPDJI”), and has been licensed for use by The Lincoln National Life Insurance Company. Standard & Poor’s®, S&P® and S&P 500® are registered trademarks of Standard & Poor’s Financial Services LLC (“S&P”); Dow Jones® is a registered trademark of Dow Jones Trademark Holdings LLC (“Dow Jones”); and these trademarks have been licensed for use by SPDJI and sublicensed for certain purposes by The Lincoln National Life Insurance Company. The Lincoln National Life Insurance Company’s product is not sponsored, endorsed, sold or promoted by SPDJI, Dow Jones, S&P, their respective affiliates, and none of such parties make any representation regarding the advisability of investing in such product nor do they have any liability for any errors, omissions, or interruptions of the S&P 500 Index.

Distributions 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 modified endowment contract (MEC).

While indexed accounts are protected by a guaranteed minimum interest rate, policy charges remain in effect and could reduce the policy value.

Lincoln WealthAccumulate SM IUL (2018) is issued on policy form ICC18UL6083/UL6083 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.

Products, riders and features are subject to state availability. Limitations and exclusions may apply. Not available in New York. Not for use in Massachusetts.

LCN: 2118704-051118

About Lincoln Financial Group

Lincoln Financial Group provides advice and solutions that help empower people to take charge of their financial lives with confidence and optimism. Today, more than 17 million customers trust our retirement, insurance and wealth protection expertise to help address their lifestyle, savings and income goals, as well as to guard against long-term care expenses. Headquartered in Radnor, Pennsylvania, Lincoln Financial Group is the marketing name for Lincoln National Corporation (NYSE:LNC) and its affiliates. The company had $253 billion in assets under management as of March 31, 2018. Lincoln Financial Group is a committed corporate citizen and was named one of the Forbes Best Employers for 2018, is a member of the Dow Jones Sustainability Index North America, and received a perfect score of 100 percent on the 2018 Corporate Equality Index. Learn more at: Follow us on Facebook, Twitter, LinkedIn and Instagram. Sign up for email alerts at


Lincoln Financial Group
Jay Russo