Lincoln Financial Expands Elite Indexed Universal Life Portfolio With New Early Cash Value Product
Lincoln WealthBuilderSM ECV IUL is designed to protect clients' financial obligations by prioritizing growing cash value without tying up significant capital
Today, Lincoln Financial (NYSE:LNC) announced the launch of Lincoln WealthBuilderSM ECV IUL, an accumulation-focused life insurance product designed with early cash value benefits for premium finance1 and business cases. It is the second product available as part of the company's new Elite Indexed Universal Life (IUL) Portfolio issued by The Lincoln National Life Insurance Company.
"The opportunity to benefit from high early cash value is a powerful tool for businesses and individuals looking for accumulation and cash value growth while maintaining a valuable balance sheet," said Darrel Tedrow, senior vice president, president of Life Solutions. "We are prioritizing optionality and choice throughout our Elite IUL portfolio, and our ECV product is built with multiple benefit options to meet policyholders' unique needs."
Lincoln WealthBuilder ECV IUL is designed with early cash value benefits built into the base policy.2 Policyholders also have two additional Early Cash Value Endorsement (ECVE) options that provide even higher early cash values to allow for more flexibility and customization when designing a policy to meet your client's needs. The product is optimized for accumulation-focused strategies—such as premium financing, where it can help reduce out-of-pocket collateral requirements, and for business owners seeking to leverage existing company assets to fund life insurance with minimal impact to the balance sheet.
Lincoln WealthBuilder ECV IUL is the second product in Lincoln's Elite IUL Portfolio, following the launch of Lincoln WealthBuilder IUL in March 2025. Lincoln's Elite IUL Portfolio is a suite of products directly aligned to customer needs where indexed accounts offer credited interest that drive cash value and death benefit protection, and tools make it easy to manage policies for life. Indexed Accounts are the core of these performance-driven solutions with differentiated S&P 500® enhanced volatility-controlled Indexes (VCIs) offered to provide strength, simplicity and transparency.
"Today's announcement highlights our commitment to providing financial professionals and their clients a dynamic suite of IUL products with tailored options that meet clients' needs," said Jared Nepa, senior vice president and head of Insurance Solutions Distribution. "Beyond our new products, we are investing in the full IUL experience. Financial professionals can expect new pre-, during- and post-sale tools to help manage these policies throughout their clients' lifetimes."
The Elite IUL Portfolio complements Lincoln's recently enhanced Variable Universal Life (VUL) and MoneyGuard ® offerings as the 120-year-old company continues its strategic shift to offering a diverse mix of protection and accumulation products.
1 Lincoln Financial (LF) does not recommend, endorse, sponsor, or otherwise offer Premium Financing. LFG does not have an agreement with any Premium Financing organization, is not a party to the loan agreement, and does not receive any form of compensation from any financing arrangement. There are risks associated with commercial Premium Financing including but not limited to interest rate risk, additional collateral requirements, additional loan renewal requirements, and risk the lender could become insolvent. In addition, if the policyowner fails to repay the loan based on the terms, the loan could default and the insurance contract could lapse.
2 Benefits are non-guaranteed and based on policy performance.
About Lincoln Financial
Lincoln Financial helps people confidently plan for their vision of a successful financial future. As of December 31, 2024, approximately 17 million customers trust our guidance and solutions across four core businesses – annuities, life insurance, group protection, and retirement plan services. As of March 31, 2025, the company had $312 billion in end-of-period account balances, net of reinsurance. Headquartered in Radnor, PA., Lincoln Financial is the marketing name for Lincoln National Corporation (NYSE:LNC) and its affiliates. Learn more at LincolnFinancial.com.
Note: Jared Nepa and Darrel Tedrow are spokespersons for Lincoln Life Solutions. Jared Nepa holds a leadership role within Lincoln Financial Distribution, the wholesaling broker-dealer of Lincoln Financial. Darrel Tedrow holds a leadership role within Lincoln Financial. They are compensated by Lincoln and are shareholders of Lincoln National Corporation.
Important information
Lincoln Financial® affiliates, their distributors, and their respective employees, representatives and/or insurance agents do not provide tax, accounting or legal advice. Please consult an independent professional as to any tax, accounting or legal statements made herein.
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 generally not a modified endowment contract (MEC). A MEC policy is one in which the life insurance limits exceed certain high levels of premium or the cumulative premium payments exceed certain amounts specified under the Internal Revenue Code. For policies that are MECs, distributions during the life of the insured, including loans, are first treated as taxable to the extent of income in the contract, and an additional 10% federal income tax may apply for withdrawals made prior to age 59½.
The S&P 500® Index, S&P 500® Dynamic Intraday TCA Index, and S&P 500® Daily Risk Control 10% Index ("Indexes") and associated data are a product of S&P Dow Jones Indices LLC, its affiliates and/or their licensors and has been licensed for use by Lincoln Financial, 2024 S&P Dow Jones Indices LLC, its affiliates and/or their licensors. All rights reserved. Redistribution or reproduction in whole or in part are prohibited without written permission of S&P Dow Jones Indices LLC. For more information on any of S&P Dow Jones Indices LLC's indices, please visit www.spdji.com. S&P® is a registered trademark of Standard & Poor's Financial Services LLC ("SPFS") and Dow Jones® is a registered trademark of Dow Jones Trademark Holdings LLC ("Dow Jones"). Neither S&P Dow Jones Indices LLC, SPFS, Dow Jones, their affiliates nor their licensors ("S&P DJI") make any representation or warranty, express or implied, as to the ability of any index to accurately represent the asset class or market sector that it purports to represent and S&P DJI shall have no liability for any errors, omissions, or interruptions of any index or the data included therein.
The S&P 500® Index is a price index and does not reflect dividends paid on the underlying stock. It is not possible to invest directly in an index.
The S&P 500® Dynamic Intraday TCA Index methodology was created based on historical data of the Index components. The methodology is available at: https://www.spglobal.com/spdji/en/indices/multi-asset/sp-500-dynamic-intraday-tca-index-usd-er/#overview
The S&P 500® Daily Risk Control 10% Index methodology was created based on historical data of the Index components. The methodology is available at: https://www.spglobal.com/spdji/en/indices/multi-asset/sp-500-daily-risk-control-10-index/?currency=USD&returntype=E-#overview
Lincoln WealthBuilderSM ECV IUL is issued on policy ICC25-UL6098/25-UL6098 and state variations, with the Enhanced Cash Value Endorsement on Form ICC25ECVE-7127/25ECVE-7127, and Lincoln WealthBuilderSM IUL is issued on policy ICC24-UL6097/24- UL6097 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.
Limitations and exclusions may apply. Not for use in New York.
LCN-7912781-042925
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