RADNOR, PA — Lincoln Financial (NYSE: LNC) has introduced two innovative Variable Universal Life (VUL) products, marking the next generation of Lincoln AssetEdge. The updated Lincoln AssetEdge VUL (2025) and the all-new Lincoln AssetEdge SVUL aim to address diverse financial goals, offering enhanced flexibility and growth potential for individuals, couples, and businesses.
“Our new AssetEdge solutions offer clients looking for growth potential an opportunity to build a portfolio with optionality and the flexibility to meet multiple planning goals in a tax-advantaged way,” said Jared Nepa, senior vice president and head of Insurance Solutions Distribution for Lincoln.
Lincoln AssetEdge VUL (2025)
The updated AssetEdge VUL (2025) features key enhancements designed to create greater value for policyholders. Improvements include a new Enhanced Overloan Protection Endorsement, available with no upfront fees, that safeguards heavily loaned policies from lapsing under certain conditions. The product also removes indexed account allocation limits, expands optional hedged equity investments, and reduces no-lapse premiums when paired with the Enhanced Allocation Rider.
Lincoln AssetEdge SVUL
The newly launched survivorship VUL, Lincoln AssetEdge SVUL, is tailored for insuring two lives and paying the death benefit after the second death. This solution benefits couples and businesses seeking estate tax funding, wealth transfer, and legacy planning. It offers competitive short-pay premium options, simplified growth through model portfolios, and additional liquidity via multiple riders, including the new Enhanced Overloan Protection Endorsement.
“Lincoln is committed to delivering a range of solutions that empower financial professionals to meet their clients’ unique needs,” said Darrel Tedrow, senior vice president and president of Life Solutions at Lincoln. “Our SVUL solution enhances financial professionals’ ability to support clients who want to insure two lives, offering financial flexibility and addressing critical planning needs such as estate tax funding, wealth transfer, and building a lasting financial legacy.”
By expanding its suite of VUL products, Lincoln Financial aims to provide simplified growth opportunities for clients through model portfolios that are tailored to their risk tolerance and investment goals. These model portfolios offer a range of investment options, including equity, fixed income, and alternative investments, providing clients with a diverse and dynamic approach to growing their wealth.
In addition to the growth potential offered by the model portfolios, Lincoln’s SVUL solution also includes multiple riders that can provide added liquidity for clients.
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