Lincoln Financial- PLEASE REVIEW dates for changes to refreshed UL and SUL products

Product	Changes	Effective Date	States Affected	Additional details:
Lincoln LifeGuarantee® SUL (2009)	Heavily Funded Premium limitations	September 15, 2011	CA, NJ, NY, PA, VT, and VI	Fully completed applications for the Lincoln LifeGuarantee® (2009) product must be signed, dated and received in good order (including the 1035 Policy Exchange Agreement/Absolute Assignment form if the case is a 1035 Exchange) in Lincoln’s home office by Thursday, September 15, 2011 to qualify. Contact your Lincoln Internal Wholesaler for illustrations.
Lincoln LifeGuarantee® UL (2009)	Heavily Funded Premium limitations	September 15, 2011	All States Special Guidelines for NY – Reg60	Fully completed applications for the Lincoln LifeGuarantee® (2009) product must be signed, dated and received in good order (including the 1035 Policy Exchange Agreement/Absolute Assignment form if the case is a 1035 Exchange) in Lincoln’s home office by Thursday, September 15, 2011 to qualify. Reg60 Guidelines · Appendix 11: NY Definition of Replacement and Authorization to Disclose Policy Information signed by Thursday, September 15, 2011 and a copy must accompany the application. · All required application paperwork including signed NY Appendix 10A: Disclosure Statement and Appendix 10G: Important Notice Regarding Replacement, the signed illustration, and the signed application must be received in the home office by Monday, October 31, 2011.
Lincoln LifeGuarantee® UL (2011)	Product refresh on GUL	Approved as of August 15, 2011 Applications will need to be dated August 22, 2011 or after to qualify.	Available in all states EXCEPT: CA, CT, GU, MD, MA, MN, MS, NJ, NY, PA, PR, TX, VT, VA, VI	For all states that are available for sale on August 15, 2011, fully completed applications for Lincoln LifeGuarantee® UL (2009) must be signed, dated and received in good order in Lincoln’s home office by Friday, October 14, 2011 in order to qualify. States that are approved after September 15, 2011 will have a (30) day transition period.
Lincoln LifeReserve® IUL (2011)	Product refresh on IUL	Approved as of August 15, 2011 Applications will need to be dated August 22, 2011 or after to qualify.	Available in all states EXCEPT: AK, CA, GU, IL, MD, MA, MN, MS, MO,NH, NJ, NY, PA, PR, TX, VT, VA, VI	(60) Day Transition. For all states that are available for sale on August 15, 2011 fully completed applications for Lincoln LifeReserve Indexed UL must be signed, dated and received in good order in Lincoln’s home office by Friday, October 14, 2011 in order to qualify. Any states that are approved after August 15, 2011 will also have a (60) day transition period.
Lincoln LifeReserve® UL	Minimum Face Amount Increase to $100,000	August 15, 2011	All States	· New Business, Fully Underwritten cases only, Issue ages 71 and over only. · No effect on contractual obligations such as the exercising of a spouse term rider, or on the client’s ability to reduce the face amount below $100,000 regardless of age. We will also continue to allow all internal replacements (regardless of age) down to our $25K minimum. There will be a 30-day transition period starting August 15, 2011. · To be eligible for a face amount between $25,000 and $100,000, a formal application must be received in Lincoln’s home office by September 14, 2011. · Contact your Lincoln Internal Wholesaler for illustrations.

LLA 1108-0153

Agent/Broker use only. Not for use with the general public.

Life insurance products are issued by The Lincoln National Life Insurance Company, Fort Wayne, IN. The Lincoln National Life Insurance Company does not solicit business in the state of New York, nor is it authorized to do so. Contract may be referred to as “certificate” in certain states. The certificate is a group annuity or life certificate issued under a group annuity or life contract by The Lincoln national Life insurance Company to a group annuity or life trust. Contractual obligations are backed by the claims-paying ability of The Lincoln National Life Insurance Company.

Contracts and Policies sold in New York are issued by Lincoln Life & Annuity Company of New York, Syracuse, NY. The contractual obligations are backed by the claims-paying ability of Lincoln Life & Annuity Company of New York.