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Lincoln Direct Life - Life Insurance

Lincoln Direct Life Reorganization

Lincoln Mutual Life Insurance Company is pleased to announce that effective October 1, 2000, its reorganization as a Mutual Holding Company is final. The new Holding Company is Lincoln Mutual Holding Co. The new name for the stock operating company, which replaces Lincoln Mutual Life, is Lincoln Direct Life Insurance Company.

On April 17, 2000, the Company's Board of Directors adopted a plan of reorganization for the purpose of creating a mutual insurance holding company. The purpose of the reorganization is to better enable the company to achieve its goal of positioning itself as an effective, competitive, growing and financially secure life insurance company in the future. The structure provides more flexibility for business initiatives as the insurance industry environment changes. These initiatives may include acquisition of other businesses, mergers, and the ability to access capital markets. The plan positions Lincoln Direct Life to be an active, successful participant in providing life insurance and other financial protection products.

On June 23, 2000, the Department of Insurance approved the plan and determined that the plan was fair and equitable to the policyholders of Lincoln Mutual Life. On August 7, 2000, at a special policyholder's meeting, over 93% of Lincoln Mutual's Policyholders voted in favor of the plan of reorganization. The effective date for the reorganization is October 1, 2000.

Following the reorganization, Lincoln Direct Life will maintain the policies and practices applicable to all policies in a manner consistent with Lincoln Mutual Life's historical practices. The reorganization did not alter, diminish, reduce or otherwise adversely affect policyholders' contract rights. Membership rights are transferred to Lincoln Mutual Holding Company, which owns, indirectly, all of the stock of Lincoln Direct Life.

The name, Lincoln Direct Life, is consistent with the direct distribution system that was adopted by Lincoln Mutual Life in 1997. This direct distribution system has significantly enhanced growth for the company, increasing total individual life sales by 90% since that time.

The company has been in business since 1896 and is licensed to sell life insurance in twenty-two states. Currently Lincoln Direct Life has approximately 55,000 policies in force and total Capital, Surplus and AVR of approximately $21 million. Lincoln Mutual Life's financial condition and operating performance has been rated "Excellent" by A.M. Best Company, the principal independent rating organization of insurance companies in the United States.

Lincoln Direct Life - Term Life Insurance

Your First Month's Premium is only $1.
Lincoln Direct Life make it easy for you to get started on the road to financial security by offering you $20,000.00 or $10,000.00 of pure term life insurance protection for just $1 for the first month. Check the rate chart to see just how affordable your on-going monthly premiums will be for either plan.

Low Cost Rates are Guaranteed to Stay Level for a Full 10 Years.
After the first month, you'll 'lock-in' a low rate that's guaranteed to stay the same for the next 10 years. Your rates will then only increase after the lock in period. (Issue ages 66 and over are only renewable to age 75.)

Coverage will Not Decrease as you Grow Older.
'Guaranteed issue' plans require no evidence of insurability, but these plans often provide you with less coverage as each year passes. This plan from Lincoln Direct Life provides full benefit protection from day one.

You Will Not Need to Take a
Medical Examination to Apply.
Lincoln Direct Life offer terrific rates by making certain that each applicant is in good health. But - unlike similar plans from other companies - you will not be required to undergo an examination from a doctor or paramedic. Lincoln Direct Life's decision will be based on the answers you provide to the health questions asked on the application.

Your Policy Cannot be Canceled Due to Poor Health.
Provided that you continue to pay your premiums on time, Lincoln Direct Life cannot cancel your policy due to changes in your health. This means that even if there is a drastic change in your health, you and your family will still receive the full protection this plan offers.

Cash Benefits are 100% Free From Federal Income Tax.
It's good to know that if you apply for and receive $20,000.00 in protection, your family will receive the full $20,000.00 in cash benefits at the time of your death. The federal government does not tax the proceeds of any life insurance distribution.

If you have any questions about the plan or the application, please call Lincoln Direct toll-free at 1-800-889-6002.

Lincoln Mutual Life - Whole Life Insurance

This is Affordable Life Insurance
Lincoln Direct's Life Long Plan is affordable protection that will give you and your family the financial security you need and deserve. This is high-value permanent life insurance.

Get this 100% Iron-Clad Guarantee
With the Life Long Plan, Lincoln Direct Life absolutely guarantee your premium rates will never increase and your benefit will never decrease - regardless of any changes to your health. What's more, as long as you continue to pay your premiums on time, Lincoln Direct cannot cancel your policy under any circumstances.

No Medical Exam Necessary
This is a very convenient way to increase your life insurance protection. Unlike many similar plans - you will not be required to undergo an examination by a paramedic or a doctor. Lincoln Direct Life's decision will be based on the answers you provide to the health questions asked on the application.

Full 30-Day Money Back Guarantee
This plan is an exceptional value - and Lincoln Direct Life know you'll be satisfied with the protection it provides. But if, for some reason, you're not absolutely 100% satisfied, you can mail the policy back to Lincoln Direct Lifewithin 30 days and they'll gladly refund your money. No questions will be asked.

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