One-Year Term Life Insurance Per 1000 Rates

Lincoln LifeElements? One-Year Term Life Insurance

Per 1000 Rates

Age

0 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19

Rate

0.700 0.410 0.270 0.190 0.130 0.130 0.140 0.150 0.160 0.160 0.160 0.190 0.240 0.280 0.330 0.380 0.380 0.380 0.380 0.380

Age

20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39

Rate

0.380 0.380 0.380 0.380 0.380 0.380 0.380 0.380 0.380 0.380 0.390 0.390 0.390 0.390 0.390 0.390 0.390 0.390 0.390 0.400

Standard

Age Rate Age

40 0.400 60 41 0.410 61 42 0.430 62 43 0.460 63 44 0.490 64 45 0.500 65 46 0.540 66 47 0.580 67 48 0.640 68 49 0.680 69 50 0.720 70 51 0.760 71 52 0.800 72 53 0.850 73 54 0.910 74 55 0.980 75 56 1.060 76 57 1.130 77 58 1.210 78 59 1.290 79

Rate

1.360 1.450 1.540 1.690 1.860 2.030 2.250 2.480 2.760 3.040 3.370 3.750 4.170 4.630 5.140 5.690 6.300 6.990 7.780 8.740

Age

80 81 82 83 84 85 86 87 88 89 90 91 92 93 94 95 96 97 98 99

Rate

9.790 10.960 12.320 13.850 16.960 19.450 22.230 25.880 29.760 33.840 39.260 43.410 50.570 56.480 63.460 72.200 84.120 98.400 112.280 123.630

Age

0 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19

Rate

0.700 0.410 0.270 0.190 0.130 0.130 0.140 0.150 0.160 0.160 0.160 0.190 0.240 0.280 0.330 0.380 0.520 0.570 0.590 0.610

Age

20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39

Rate

0.620 0.620 0.640 0.660 0.680 0.710 0.730 0.760 0.800 0.830 0.870 0.900 0.930 0.960 0.980 0.990 1.010 1.040 1.060 1.070

Substandard

Age Rate Age

40 1.100 60 41 1.130 61 42 1.200 62 43 1.290 63 44 1.400 64 45 1.530 65 46 1.670 66 47 1.830 67 48 1.980 68 49 2.130 69 50 2.300 70 51 2.520 71 52 2.810 72 53 3.200 73 54 3.650 74 55 4.150 75 56 4.680 76 57 5.200 77 58 5.660 78 59 6.060 79

Rate

6.510 7.110 7.960 9.080 10.410 11.900 13.510 15.200 16.920 18.700 20.620 22.720 25.070 27.570 30.180 33.050 36.330 40.170 44.330 49.230

Age

80 81 82 83 84 85 86 87 88 89 90 91 92 93 94 95 96 97 98 99

Rate

54.560 60.510 66.740 73.070 80.350 88.760 99.160 110.400 121.850 133.400 144.300 155.800 168.750 186.440 206.700 228.350 250.010 265.090 270.110 281.050

Page 1 of 2 LCN# 200810-2021866

Effective: 11/18/08 - Current as of 11/2010 Rates subject to change.

Disclosures

NOT A DEPOSIT NOT FDIC-INSURED NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY NOT GUARANTEED BY ANY BANK OR SAVINGS ASSOCIATION MAY GO DOWN IN VALUE

This material was prepared to support the promotion and marketing of a life insurance product. Lincoln Financial Group (R) affiliates, their distributors, and their respective employees, representatives and/or insurance agents do not provide tax, accounting or legal advice. Any tax statements contained herein were not intended or written to be used, and cannot be used for the purpose of avoiding U.S. federal, state or local tax penalties. Clients should consult their own independent advisor as to any tax, accounting or legal statements made herein.

Lincoln LifeElementsSM One-Year Term is issued on policy form #LN485 and state variations by The Lincoln National Life Insurance Company, Fort Wayne, IN. The Lincoln National Life Insurance Company is not authorized nor does it solicit business in the state of New York. In some states, contract terms are set out and coverage may be provided in the form of certificates issued under a group policy issued by The Lincoln National Life Insurance Company to a group life insurance trust. Contractual obligations are backed by the claims-paying ability of The Lincoln National Life Insurance

Policies sold in New York are issued on policy form #LLANY 485 by Lincoln Life & Annuity Company of New York, Syracuse, NY. The contractual obligations are backed by the claimspaying ability of Lincoln Life & Annuity Company of New York.

Product and features subject to state availability

Page 2 of 2 LCN# 200810-2021866

Effective: 11/17/08 - Current as of 11/2010 Rates subject to change.

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