Securities offered through Lincoln Financial Securities Corporation, Member SIPC to residents of California and Florida. Lincoln Financial Securities Corporation and its representatives do not offer tax or legal advice.  You should consult your individual tax or legal professional regarding your individual circumstances. Some life insurance and annuity policies involve exclusions or limitations.  For costs and complete details of coverage, contact your agent. Lincoln Financial Securities and Pacific Standard Insurance are not affiliated. In CA, insurance may be offered through LFS Marketing & Insurance Sales Corporation