Lincoln Financial Annuity Product Training

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1 Lincoln Financial Annuity Training * All required training must be completed prior to writing any business with this carrier. Failure to do so could result in business being returned* Training only applies to producers soliciting Annuity business - No additional training required for Life products Carrier Training: LIMRA is the primary vendor for Lincoln; click on the following to visit their websites or copy and paste the addresses into your internet browser: LIMRA: The step-by-step instructions for registering and accessing the training can be found on the Life and Annuity Compliance page Additional Note to Producers Intending to Solicit MoneyGuard: In order to solicit MoneyGuard products, most states require a LTC Training course to be completed. Please include a copy of your LTC Certificate along with the contracting paperwork. NAIC Model State Regulatory Training: Agents in the states shown below must complete a state approved Annuity Suitability Course. AK AL CA CO CT DC GA HI IA ID IL IN KS KY LA MA MD ME MI MN MS ND NE NH NJ OH OK OR RI SC SD TN TX WA WI WV WY Note: FL, NY, and UT do not have state training requirements, but still require agents to complete any product specific training with the carrier. NOTE: States subject to change based on state and carrier requirements If you have any further questions in regards to the Training please call ECA Marketing and ask for your Marketing Representative or the Licensing & Contracting Department. Thank you for contracting with Lincoln Financial through ECA Marketing! Upd 9/20/16

2 Life & Annuity Compliance 50 State Charts Lincoln Individual Annuity s ~ State Annuity Licensing and Training Requirements A copy of the training certificate identifying the state for which the course was taken, must be received by Producer Solutions before authority to sell Annuity products can be granted. Please send certificates of completion via , fax or mail to: Fax: (603) Mail: Lincoln Financial Group, Attention: Producer Solutions Operations, P.O. Box 515, Concord, NH The NAIC Suitability in Annuity Transactions Model mans general annuity and product-specific training requirements. States may have additional state-specific requirements; refer to the chart found on the following pages for details. If you have NAIC Annuity suitability producer training questions please To view an FAQ on Annuity Training, please visit the Life & Annuity Compliance page on Lincoln producer websites. The chart represents Lincoln s interpretation of the current state law. We welcome your inquiry should you have a question or desire to confirm a specific regulation. Note: In order to sell variable contracts (including variable life and annuities) an individual must pass the FINRA Investment Company s/variable Contracts Representative Exam (also known as the Series 6 ) and hold the appropriate state insurance licenses. General Annuity Training Requirement This one-time, four-hour requirement applies to residents and non-residents (a vendor fee may apply). The deadlines differ depending on when the producer became licensed. If a state-approved course has already been taken through another provider, the certificate of completion can be uploaded to Lincoln Producer Solutions via this website: - Training Requirement The product-specific training courses are required by certain states (there is currently no charge to take the Lincoln productspecific training). There are two Lincoln annuity training modules; Fixed Annuity(which includes Fixed, Fixed Indexed and Single Premium Immediate Annuity) and Variable Annuity. Lincoln - Training Courses These courses are provided on the LIMRA website*. Please click on the following link to take the Lincoln productspecific course(s): Addendum Ups The product-specific training material is upd periodically to reflect changes made to the Lincoln annuity product suite. Producers who have previously taken the training will be notified (via ) by LIMRA that an upd training module is available. Lincoln has created an Addendum to the original training, noting changes and providing upd content. Producers must complete the Addendum training prior to submitting new business in the product lines impacted. Upd: 08/04/2016 For Agent or Broker Use Only Not for Use with the Public. Page 1 of 4

3 This regulation does not apply to sales of Lincoln Director SM, Lincoln American Legacy Retirement SM (LALR), Multi-Fund contracts used to fund 401(a), 401(k) and 403(b) plans and 457 markets (except for Oklahoma, South Dakota and Louisiana). *Certain selling partners may have relationships in place with different vendors. Lincoln annuities are issued by The Lincoln National Life Insurance Company, Fort Wayne, IN. The Lincoln National Life Insurance Company does not solicit business in the state of New York, nor is it authorized to do so. Contracts sold in New York are issued by Lincoln Life & Annuity Company of New York, Syracuse, NY. 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. For questions regarding this chart, please contact Chris Chochlinski at STATE Alabama 1/1/2017 7/1/2017 1/1/ hours Yes 1/1/2017 Alaska 10/16/11 4/16/2012 1/1/ hours Yes 1/1/2012 American Samoa Arizona Arkansas California 1 1/1/2012 1/1/2005 1/1/ hours 4 hours biennially No 1/1/2012 Colorado 4/1/ /1/2011 4/1/ hours Yes 4/1/2011 Connecticut 2/18/2012 8/18/2012 2/18/ hours Yes 2/18/2012 Delaware District of Columbia 6/24/ /24/2011 6/24/ hours Yes 6/24/2011 Florida 10/1/2013 Not required Not required Not required 10/1/2013 Georgia 3/1/2016 9/1/2016 3/1/ hours Yes 3/1/2016 Guam Research Pending Hawaii 1/31/2012 1/31/2012 1/31/ hours Yes 1/1/2012 Idaho 4/4/ /4/2013 4/4/ Hours Yes 4/4/2013 Illinois 1/1/2012 7/1/2012 7/1/ hours Yes 7/1/2012 Indiana 1/1/2012 7/01/2012 1/1/ hours Resident - No 1/1/2012 NonResident - Yes Iowa 2 1/1/2008 1/1/ hours (indexed products) No 1/1/2011 1/1/2011 5/1/ hours (annuity Yes. Refer to footnote 1/1/2011 products) #2 Kansas 6/1/ /1/2013 6/1/ Hours Yes 6/1/2013 Kentucky 1/1/2012 7/1/2012 1/1/ hours Yes 1/1/2012 Louisiana 8/15/2012 1/1/2013 8/15/ hours Yes 8/15/2012 Maine 11/1/2015 5/1/ /1/ hours Yes 11/1/2015 Maryland 11/1/2011 5/1/ /1/ hours Yes 11/1/2011 Massachusetts 10/01/ /31/ /01/ hours Yes 10/01/2016 Michigan 6/1/ /1/2013 6/1/ hours Yes 6/1/2013 Minnesota 3 6/1/2013 7/1/2014 See footnote 4 hours Yes 6/1/2013 Upd: 08/04/2016 For Agent or Broker Use Only Not for Use with the Public. Page 2 of 4

4 STATE Mississippi 4/11/2013 9/1/2014 9/1/ hours Yes 9/1/2013 Missouri Montana Nebraska 7/19/2012 1/19/2013 7/19/ hours Yes 1/1/2013 Nevada New Hampshire 1/1/2015 7/1/2015 1/1/ hours Yes 1/1/2015 New Jersey 2/4/2013 8/4/2013 8/4/ hours Yes 8/4/2013 New Mexico New York 6/30/2011 Not required Not required Not required Not required 6/30/2011 North Carolina North Dakota 8/1/2011 8/1/2012 8/1/ hours Yes 8/1/2011 Northern Marianas Ohio 7/1/2011 1/1/2012 7/1/ hours Yes 7/1/2011 Oklahoma 7/14/2010 Residents- 7/14/2011 7/14/ hours Yes Not required Non-Residents 4/09/12 Oregon 7/1/2011 1/1/2012 8/1/ hours Yes 7/1/2011 Pennsylvania Puerto Rico Rhode Island 6/1/ /1/2011 6/1/ hours Yes 6/1/2011 South Carolina 9/25/2011 3/25/2012 9/25/ hours Yes 9/25/2011 South Dakota 7/1/2012 1/1/2013 7/1/ hours Yes 7/1/2012 Tennessee 11/1/ /1/ /1/ hours Yes 11/1/2015 Texas 4 9/1/2011 3/1/ hours Residents Yes 3/1/ hours each 2-yr 3/1/2012 license period Non- Resident not required Utah 3/26/2012 Not required Not required Not required Not required 5/25/2012 Vermont Virgin Islands Research Pending Virginia Washington 3/29/2012 9/29/2012 3/29/ hours Yes 9/29/12 if licensed before 3/29/12 3/29/12 if licensed after 3/29/12 Upd: 08/04/2016 For Agent or Broker Use Only Not for Use with the Public. Page 3 of 4

5 STATE West Virginia 7/1/ /31/2011 7/1/ hours Yes 7/1/2011 Wisconsin 5/1/ /1/2011 5/1/ hours Yes 5/1/2011 Wyoming 9/26/2014 3/26/2015 9/26/ hours Yes 9/26/ California: Resident and non-resident producers must complete an 8 hour California approved course prior to selling and a 4-hour ongoing course every license period thereafter. Please note that completion of the 8-hour course will not satisfy the 4-hour ongoing training prior to each license renewal. Iowa: Agents must complete proper indexed annuity training in order to sell the insurance company s products. Only an Iowa course will suffice for indexed annuity training. Approved courses are provided at For Indexed s: In the Course Category select Indexed s. Find the CE provider desired and click the approved courses link to find the 4 hour Indexed course they offer. For Annuity s: In the Course Category select Annuities. Minnesota: Producers licensed between 06/01/2013 and 01/01/2014 have until 07/01/2014 to complete the general annuity requirement. Producers licensed after 01/01/2014 must complete the general annuity training prior to selling annuities. Texas: Ongoing Training Resident producers must complete 8 hours of CE courses in each 2-year license period (including the initial license period). During the INITIAL license period, the 4-hr presale course will be applied so that only an additional 4-hrs of CE courses must be completed to satisfy the total 8-hr CE requirement. Producers that do not complete 8-hrs of ongoing coursework in each 2-yr license period will have their Authority lapsed and will need to retake the 4-hr presale course before they can solicit new business again the retaken 4-hr presale course will be applied so that only an additional 4-hrs of CE coursework must be taken to satisfy the total 8-hr CE requirement for that renewal license period. This chart represents Lincoln s interpretation of the current state law. It is not our position to give legal or tax advice. We welcome your inquiry should you have a question or desire to confirm a specific regulation. 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. Upd: 08/04/2016 For Agent or Broker Use Only Not for Use with the Public. Page 4 of 4

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