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Your connection to Lincoln Financial Advisors

BrokerLincSM

The answer? Lincoln Financial Advisors.Lincoln Financial Advisors (LFA), an affiliate of Lincoln Financial Group, is your partner of choice for delivering comprehensive financial planning to your clients. Our philosophy is simple: we respect your relationship with your clients and value you as our client. As a partner, our role will be to provide tools and services to help enhance your client relationships.

As a member of Lincoln Financial Group, we operate from a position of strength. Your clients will benefit from the resources of Lincoln National Corporation, a Fortune 500 company, and the additional support of local and national wealth manage-ment teams. These industry specialists have strong technical backgrounds in all areas of financial planning. This business model allows our producers a high degree of autonomy so they can focus on helping clients achieve their financial goals.

1Lincoln National Life Insurance Company and Lincoln Life & Annuity Company of New York are ranked #1 for total life insurance sales. LIMRA – YTD ranking for publicly traded reporting companies as of 2Q 2015.

What happens when you combine…+ Access to a broad competitive product portfolio

+ Leading-edge underwriting services

+ The financial strength of a Fortune 500 company

+ $218 billion in assets under management

+ Access to financial planning resources and a large national planning team

+ State-of-the-art strategies based on research and intellectual capital

+ Accessible specialists and powerful visualization tools

+ Comprehensive marketing support

+ An organization, Lincoln National Life Insurance Company, that was ranked #1 by LIMRA for total life insurance sales!1

BrokerLincSM

LFA delivers access to competitive products and vast resources through our BrokerLincSM program. It is the gateway to an array of services for independent producers, producer groups and non-captive insurance agents without the need of a broker-dealer change. This means you receive full access to our people, tools, resources and competitive products – structured to give you the information you need for every area of your business.

Managed nationally and deployed regionally and locally, our unique organizational structure, backed by our abundant intellectual capital, is one of our greatest strengths. Because we provide a deep level of expertise and resources, our clients receive consistent, high-quality support that enables them – and ultimately, you and your clients – to receive the very best strategic financial planning, products and service our firm has to offer.

PeopleOur national planning team is your key competitive differentiatorWhen you join forces with LFA, you will be able to offer financial planning and personalized service to your clients that is unparalleled in the industry. What’s more, you don’t need to be a specialist in this complex and ever-changing environment to deliver a quality planning experience for your clients.

Not familiar with a particular area of financial planning? The national planning team will connect you to a specialist who is skilled in that area. Staffed with tax attorneys, specialists and case consultants with years of experience in the high-net-worth market, the national planning team can be the core resource that helps differentiate you and your staff from the competition – providing an extra layer of support with available resources across the country. You also have access to advanced case design, technical support and plan construction services to help your clients with their estate, retirement, business or investment planning needs.

Advanced sales – the right combinationOur advanced sales team has over 200 years of combined industry experience. They are ready and equipped to assist in your complex life insurance, estate and business owner planning cases. Understanding that these types of cases tend to be large, Lincoln also offers large-case capacity with autobind limits up to $60 million for ages 75 and under.

A commitment to your professional development and growthIn addition to providing specialized planning services, we also offer professional development opportunities and client prospecting training, including:

• Conceptual sales ideas – We can help keep you abreast of the latest developments in insurance, estate, retirement and business owner planning, as well as executive benefit plans and practice management. Programs are presented live, through video or web conference, and archived for later access … anywhere, anytime.

• Virtual University – Our robust educational program – ranging from online training via video and web conferences to exclusive live seminars – provides one-on-one interaction with top advisors and industry specialists.

Back-office support and processingOur BrokerLincSM Specialists and Regional Sales Directors help you and your teams navigate through the appropriate Lincoln sales and service areas, including:

• Licensing and commissions• Competitive payouts• Case management• Advanced sales• Direct access to underwriting• Internal wholesalers • Illustration support

ToolsOur technology tools focus on making it easier for you to do business.

• Policy Analysis and Review (PAR) – In life there’s just one constant: change. That’s why it’s so important to regularly review your client’s life insurance coverage. We’ve built a simple, yet thorough needs-analysis process called PAR that provides an objective perspective on your client’s life insurance requirements, performance and options.

• iGO® e-Application and e-Delivery

– iGO e-App is an efficient and flexible application system that enables you to complete and submit applications electronically and ensure your submission will be accurate and In-Good-Order (IGO).

– eDelivery is an electronic policy delivery tool. Quicker than mail or FedEx, you’ll be able to view policies on your PC or mobile device and eliminate both postage and paperwork by utilizing an e-signature policy.

• FASTeam is a core team staffed to provide you and your office with technical support.

• Lincoln DesignItSM Platform is software that enhances your ability to create presentations and provides insurance illustrations customized for your clients utilizing proprietary planning tools.

ResourcesFrom marketing, competitive intelligence to networking opportunities, we offer a number of resources you can leverage to help make your business processes easier.

Marketing support gives you quick-to-market BrokerLincSM materials:

• Bylined articles for placement in local trade, association and community publications

• Client-approved product marketing materials

• Pre-approved white papers, prospecting letters, brochures and seminars

• A results-proven system for gathering more client referrals

• A business plan template to assist you in developing and refining your business strategy

Market Access will help expand your network. The relationships instituted by our Market Access team with outside firms/professionals result in referrals. By partnering with other service professionals (like CPAs and attorneys), you can generate new client prospecting opportunities by offering financial planning services to their clients.

The Lincoln LifeComp® Suite offers a spectrum of non-qualified business insurance and executive compensation arrangements. Options range from simple plans involving executive ownership of the funding policy to pure corporate-owned life insurance. All Lincoln LifeComp plans are coupled with a complete administrative system that provides proper accounting entries and annual recommendations for maintenance of plan objectives.

Competitor Services – Don’t lose to competition! We provide industry-leading intelligence support through competitive case analysis, product positioning and promotion. Staffed by dedicated professionals, this support process provides fair and balanced recommendations on how to position Lincoln and our products in your most difficult competitive situations.

Leading-edge underwriting servicesThe extensive experience of our dedicated underwriting team gives you a leading edge in working with professionals who not only understand the current marketplace, but know how to put the appropriate solutions to work for your clients. By leveraging this expertise, our underwriters provide consistent support to help you deliver better offers for your cases. Here’s a look at what our underwriters can offer you:

• Internal retention amounts of $20 million for ages 75 and under for jumbo cases

• Family history of cancer or diabetes may qualify for preferred or preferred plus

• Non-tobacco rates available for non-cigarette smokers

• More than 90 countries approved for preferred and preferred plus classes

• Term coverage available for U.S. citizens and permanent U.S. residents

In addition, an underwriting quick quote is available at Lincoln.XRAE.com. It offers:

• Instantaneous, accurate quotes using Lincoln rules, guidelines and crediting programs

• Quotes for many common impairments available for term and permanent products

ProductThrough our BrokerLincSM program, you’ll have access to Lincoln’s ProductPlusSM suite of solutions. The Lincoln National Life Insurance Company offers fixed and indexed life insurance, annuity products, and the long-term care linked-benefits of Lincoln MoneyGuard® universal life insurance.

Lincoln life insurance product suite

Lincoln’s tradition of strength and caliber of life insurance products has maintained consistent positioning amidst a competitive industry – ranking among one of the top carriers in premium production.

Long-term care protection • Lincoln’s MoneyGuard® Solutions help protect a client’s assets against the potentially

devastating financial impact of a long-term care event.

• Lincoln MoneyGuard II® is Lincoln’s flagship product. This is a universal life policy with an optional long-term care benefit rider that provides guaranteed benefits to reimburse your clients’ qualified long-term care costs, plus a death benefit and return of premium options if the coverage is never needed.

$95,707 per year is the national average cost of

a Medicare certified nursing home private room.1

Medicare typically does not cover long-term care, which is assistance with basic

activities of daily living due to a physical or cognitive impairment.2

Did you know?

1 Univita, “2013 Cost of Care Survey,” https://www.lfg.com/lfg/DOCS/pdf/rna/2013CostofCareSurvey.pdf. For a printed copy of the survey, call 877-ASK-LINCOLN.

2 Medicare is a national government healthcare program for seniors. Lincoln is not affiliated with Medicare.

Lincoln VULONE (2014), Lincoln SVULONE (2013), and Lincoln AssetEdge® VUL (2015).*Product not available in New York.

Only registered representatives can sell variable products.

Lincoln’s Life Insurance Product Suite The life portfolio your business can count on

Consistency. Commitment. Stability.Turn to the Lincoln portfolio of tax-efficient protection and accumulation solutions that help protect your clients’ wealth from many of today’s biggest challenges: taxes, longevity, inflation, market risk and more.

Lincoln annuity product portfolioNot all annuities are created equal. Sure, all annuities offer tax deferral. But few offer income and legacy planning strategies.

Lincoln’s unique set of proprietary, patented products are designed with a range of guarantees, riders and features to help your clients meet their financial goals and address concerns. What sets Lincoln’s annuity portfolio apart? We help you and your clients create a wise plan for retirement and beyond by offering a variety of competitive annuity products to address accumulation and income needs.

• Fixed indexed annuities – Offer a balance between risk and reward

• Variable annuities – Help protect wealth through tax-efficient investing

• Fixed annuities – Aim to deliver predictable growth

Income powered by innovation!Retirement planning has two sides: the time before and after you start taking income. Retirement income should protect your client’s lifestyle, with the potential to grow and last the rest of a lifetime. Lincoln’s comprehensive approach can help your clients address these needs.

• Lincoln Lifetime IncomeSM Advantage 2.0 is an optional living benefit rider with a unique accumulation and income benefit that provides guaranteed growth for future income with the ability to lock in account value growth.

• i4LIFE® Advantage is Lincoln’s patented income distribution method that provides a viable opportunity for clients to maximize income for life. This unique process is a lifetime form of annuitization that has proven to be one of the most dependable ways to maximize income.

A unique philosophyVisit any of our offices nationwide and you’ll observe one consistent philosophy

that distinctively defines the way we do business: “Serve, First, Last and AlwaysSM.”

This philosophy is rooted in the dedication of our producers to take the actions

necessary to help clients put their financial affairs in order. We believe our role

is to provide support and an environment in which you can develop essential

client relationships and build and maintain a successful, thriving business.

Help your clients create, preserve and protect their wealth by leveraging our

people, tools, resources and products. Your partner of choice is clear.

Lincoln Financial Advisors Let’s get to work.

844-BrokerL or 844-276-5375 BrokerLinc@lfg.com

Securities and investment advisory services offered through Lincoln Financial Advisors Corp., a broker-dealer (member SIPC) and registered investment advisor. Insurance offered through Lincoln affiliates and other fine companies.In MI, securities and investment advisory services offered through Lincoln Financial Advisors Corp. a broker-dealer, registered investment advisor and an insurance agency.In CA, insurance offered through Lincoln Marketing and Insurance Agency, LLC and Lincoln Associates Insurance Agency, Inc. and other fine companies. In UT, LFA Insurance Agency. Insurance offered through Lincoln affiliates and other fine companies. In WA, insurance offered through Lincoln Financial Advisors Corp. and LFA Limited Liability Company and other fine companies. Lincoln Financial Group is the marketing name for Lincoln National Corporation and its affiliates.

©2015 Lincoln National Corporation

www.lincolnfinancial.com.

CRN-1309337-092415

70031LFA 11/15

About Lincoln Financial AdvisorsLincoln Financial Advisors – an independent broker-dealer with a national network of financial professionals – provides integrated, personalized solutions and fee-based financial planning to help business owners, professionals, executives and retirees develop complex estate, business succession, retirement and investment plans. Lincoln Financial Advisors is an affiliate of Lincoln Financial Group, the marketing name for Lincoln National Corporation (NYSE: LNC) and its affiliates. Lincoln Financial Group has a proud history of helping empower Americans to take charge of their financial lives with confidence and optimism.