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Additional Plan Benefits Included with Life Coverage

Waiver of Premium Included

Continuation of Coverage Included
Accelerated Death Benefit Included
Conversion Included

Benefit Exclusions

Like any insurance, this term life insurance policy does have exclusions.
For life insurance, a suicide exclusion may apply.
This is an incomplete list of benefit exclusions. A complete list is included in the policy. State variations apply.

Questions? Call 800-423-2765 and mention Group ID: UNIVEROK2.

This is not intended as a complete description of the insurance coverage offered. Controlling provisions are provided in the policy, and this summary does
not modify those provisions or the insurance in any way. This is not a binding contract. A certificate of coverage will be made available to you that
describes the benefits in greater detail. Refer to your certificate for your maximum benefit amounts. Should there be a difference between this summary
and the contract, the contract will govern.

LifeKeys® services are provided by ComPsych® Corporation, Chicago, IL. ComPsych®, EstateGuidance® and GuidanceResources® are registered trademarks of
®
ComPsych® Corporation. TravelConnect services are provided by On Call International, Salem, NH. ComPsych® and On Call International are not Lincoln Financial
Group® companies. Coverage is subject to actual contract language. Each independent company is solely responsible for its own obligations.

The TravelConnect® program is not available to insured employees and dependents of policies issued in the state of New York.

Group insurance products and services described herein are issued by The Lincoln National Life Insurance Company (Fort Wayne, IN), which does not solicit business
in New York, nor is it licensed to do so. In New York, insurance products are issued by Lincoln Life & Annuity Company of New York (Syracuse, NY). Both are Lincoln
Financial Group® companies. Product availability and/or features may vary by state. Limitations and exclusions apply. Lincoln Financial Group is the marketing name
for Lincoln National Corporation and its affiliates. Affiliates are separately responsible for their own financial and contractual obligations.

©2020 Lincoln National Corporation
LCN-3366447-121020
Life Insurance Benefits At-A-Glance
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