Latest Variable Universal Life Insurance Offering from Lincoln Financial Provides Growth and Protection Flexibility

Lincoln Financial Group (NYSE: LNC) today launched the next generation of Lincoln AssetEdge, an accumulation-focused Variable Universal Life (VUL) insurance policy offering significant tax-advantaged cash value growth and income potential and a cost-effective death benefit. As industry sales of accumulation VUL policies continue to surge, increasing three-fold in the third quarter of 2021¹, AssetEdge (2022) offers market-driven investment options that can be tailored to a client’s financial objectives and risk tolerance, and policy features that empower individuals, families and businesses to plan for the unexpected.

“With the strength of the equity markets in recent years, clients are showing increased interest in accumulation VUL policies like AssetEdge to diversify their financial portfolio in a tax-advantaged manner,” said Andy Bucklee, senior vice president and head of Life and Executive Benefits Distribution for Lincoln. “AssetEdge provides the flexibility to participate in the market and access cash value to supplement income, while protecting your loved ones and life priorities.”

New Growth Opportunities

Clients have an opportunity to improve their policy growth potential with the Enhanced Allocation Rider, which can be added to the policy at issue for no additional premium. With the Enhanced Allocation Rider, a portion of the policy’s cash value is allocated to purchase options on the S&P. Any additional growth increases both the policy value and death benefit protection, which can be accessed or passed on to beneficiaries.

AssetEdge is now also available with an Individual Exec Enhanced Surrender Value Rider, designed for those looking for a tax-balanced option that can drive down the overall tax impact and provide the flexibility to access the full policy value with no surrender charge.

New Investment Options

AssetEdge includes a wide range of investment options that can be tailored to a client’s goals for return potential and downside protection. In addition to more than 75 market-driven variable investment options, two indexed accounts tied to the performance of the S&P 500 Index, multiple managed risk funds and a fixed account, AssetEdge now features two Fidelity AIM Dividend Index account options. The Fidelity accounts employ a dynamic allocation approach that blends the characteristics of high-dividend stocks with the safety of U.S. Treasuries to help deliver a steadier investment experience over time.