Universal/indexed universal life

Lincoln Financial Group’s pair of new offerings for both UL and IUL are accumulation-focused, completing the company’s product suite transition to comply with the 2001 CSO table, effective Jan. 1, 2009. New features include multiple rider options (change of insured, guaranteed insurability, supplemental coverage and level term insurance); the IUL version of Life-Reserve adds new client benefits and the allowance of quarterly allocations, while the UL version provides assured distribution endorsement (guaranteed checks on a predictable basis).