LINCOLN

The Lincoln National Life Insurance Company ("Lincoln") is accused of overcharging owners of universal life insurance policies. Although the life insurance policies state that cost of insurance rates shall be based on Lincoln's "expectations of future mortality experience," Lincoln is accused of charging its customers substantially more than that... Monthly cost of insurance rates will be determined by the company, based on its expectations as to future mortality experience. Any change in cost of insurance rates will apply to all individuals of the same class as the insured. In determining the monthly cost of insurance, the company will add the amount of the Flat Extra Monthly Insurance Cost, if any, show in the Policy Specifications. If the person insured is in a rated premium class, the monthly cost of insurance rates for a standard (non-rated) risk will be multiplied by the Risk Factor, if any, show in the Policy Specifications. Under no circumstances will the cost of insurance..