Lincoln WealthBuilderSMECV IUL is designed to protect clients’ financial obligations by prioritizing growing cash value without tying up significant capital
Lincoln Financial announced the launch of Lincoln WealthBuilderSMECV IUL, an accumulation-focused life insurance product designed with early cash value benefits for premium finance1 and business cases. It is the second product available as part of the company’s new Elite Indexed Universal Life (IUL) Portfolio issued by The Lincoln National Life Insurance Company.
“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, president of Life Solutions. “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.”
Lincoln WealthBuilder ECV IUL is designed with early cash value benefits built into the base policy.2 Policyholders also have two additional Early Cash Value Endorsement (ECVE) options that provide even higher early cash values to allow for more flexibility and customization when designing a policy to meet your client’s needs. The product is optimized for accumulation-focused strategies—such as premium financing, where it can help reduce out-of-pocket collateral requirements, and for business owners seeking to leverage existing company assets to fund life insurance with minimal impact to the balance sheet.
Lincoln WealthBuilder ECV IUL is the second product in Lincoln’s Elite IUL Portfolio, following the launch of Lincoln WealthBuilder IUL in March 2025. Lincoln’s Elite IUL Portfolio is a suite of products directly aligned to customer needs where indexed accounts offer credited interest that drive cash value and death benefit protection, and tools make it easy to manage policies for life. Indexed Accounts are the core of these performance-driven solutions with differentiated S&P 500® enhanced volatility-controlled Indexes (VCIs) offered to provide strength, simplicity and transparency.
“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.”
Lincoln Financial (LF) does not recommend, endorse, sponsor, or otherwise offer Premium Financing. LFG does not have an agreement with any Premium Financing organization, is not a party to the loan agreement, and does not receive any form of compensation from any financing arrangement. There are risks associated with commercial Premium Financing including but not limited to interest rate risk, additional collateral requirements, additional loan renewal requirements, and risk the lender could become insolvent. In addition, if the policyowner fails to repay the loan based on the terms, the loan could default and the insurance contract could lapse.
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