RADNOR, PA — Lincoln Financial Group (NYSE: LNC) has announced the launch of Lincoln WealthBuilder ECV Indexed Universal Life (IUL), a life insurance product specifically designed for accumulation-focused strategies. The product features early cash value benefits tailored to meet the unique needs of premium financing and business cases. It is the second offering from Lincoln’s Elite IUL Portfolio, building on the success of its earlier product release in March 2025.
Lincoln WealthBuilder ECV IUL is designed to maximize early cash value directly within the base policy. Policyholders also have access to two Early Cash Value Endorsement (ECVE) options, allowing for even higher early cash value benefits, enabling greater flexibility and customization. This makes the product especially suitable for clients using premium financing strategies to reduce collateral requirements or business owners who aim to leverage corporate assets for life insurance with minimal impact on their balance sheets.
“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 and president of Life Solutions at Lincoln Financial. “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.”
Part of the Elite IUL Portfolio
The Lincoln WealthBuilder ECV IUL further strengthens the Elite IUL Portfolio, a suite of accumulation-focused life insurance products aligned with customer requirements. This portfolio emphasizes indexed accounts featuring credited interest that balances cash value growth and death benefit protection. With enhanced S&P 500® volatility-controlled indexes, the portfolio offers strength and transparency to policyholders while simplifying management.
“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.”
Serving Businesses and Individuals
Lincoln WealthBuilder ECV IUL offers businesses and individuals an accumulation-driven solution that supports cash value growth, providing significant utility for strategic financial planning. Whether for premium financing or business scenarios, the product ensures clients have accessible benefits while preserving financial flexibility.
This latest launch spotlights Lincoln Financial’s efforts to innovate within the life insurance industry. Complementing enhancements made to its Variable Universal Life and MoneyGuard® offerings, the Elite IUL Portfolio is a centerpiece of the company’s broader strategy to deliver diverse, client-focused solutions.
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