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<br />WHY CHOOSE THE LINCOLN NATIONAL LIFE INSURANCE COMPANY? <br /> <br />Lincoln Financial Group maintains: <br /> <br />. Strong financial history <br /> <br />. Some of the highest ratings in the industry <br />o AA "Very Strong" Standard & Poor Rating <br />o A+ "Superior" A.M. Best Company Rating <br />o AA "Very Strong" Fitch Rating <br /> <br />. "Direct to Home Office Service" through group sales offices located nationwide <br /> <br />. One-stop shopping for comprehensive group benefits <br />o True group products including Life and AD&D, Short-Term Disability, Long-Term Disability(with <br />optional Critical Illness coverage), Dental and Employee Assistance Programs <br />o WORKSITE1 Voluntary products including Life and AD&D, STD, L TO, Dental and Vision <br />../ Featuring Voluntary enrollment form customization <br /> <br />o Exec-U-Care@ Medical Reimbursement Program <br /> <br />. Real Time Online Benefit Administration with Online Services <br />o Submit claims and check their status online <br />o Change member information online <br />o Enroll and terminate members and coverages online <br />o Utilize Virtual Billing capabilities to add or terminate members, then recalculate the bill to reflect <br />the actual amount owed, and pay the bill online <br />o View and print group forms, administration guidelines, contracts and certificates online <br />o Apply for group insurance coverage electronically with e-App <br />o Continuous enhancements are being made to our Online Service capabilities to better serve <br />both your needs and your clients' needs <br /> <br />. Interactive Voice Response (IVR) System allows service 24 hours a day, 7 days a week <br />o Use IVR to check on the status of claims, members and premium payments all hours of the day, <br />everyday. <br /> <br />. Lincoln DentalConnect Plan <br />o Our Lincoln DentalConnect Plan brings many distinct advantages including an expanded <br />nationwide network with access to more than 52,000 unique dentists. <br /> <br />WHAT THIS MEANS FOR YOU... <br /> <br />The Lincoln Financial Group companies: <br /> <br />. <br /> <br />have a long history of strength and stability, offering you superior products - and the service to back <br />them up. <br />focus on making life easier for the customer by doing business the way the customer wants to do <br />business - via the Web, telephone, IVR, e-mail or fax. <br />are committed to superior service, combined with a guaranteed commitment to technology, which <br />means less hassle for you! <br /> <br />. <br /> <br />. <br /> <br />The Lincoln National Life Insurance Company <br />2 <br /> <br />2/9/2009 <br />