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With a variable annuity, you, the annuity owner, decide how your money will be allocated among all of the available asset classes represented by the variable sub-accounts. The issuer of the variable annuity offers a specific number of subaccounts, with a specific investment objective. Within these choices you have the ability to direct your own allocation.
With a high exposure to the investment market, variable annuities give you the potential of making more money that you could at a fixed rate. However, the variable annuity contract makes no promises about the rate of return so it is also possible for you to earn less than the fixed rate annuities or even lose the amount invested. The choices made by you in determining your allocation and subaccounts will have a direct effect on the accumulation of the annuity.
Due to this risk, you should speak to a Lincoln Financial Advisors Representative about your annuity and allocation decisions. We have relationships with many leading companies which offer annuities, each having their own features and risks. With that you can feel comfortable that you will be able to invest you money in the right annuity for your needs, with an allocation that is in line with your personal goals and objectives.
Variable annuities are offered by prospectus. For a prospectus for any of the variable annuities offered through Lincoln Financial Advisors, please contact your Lincoln representative, or the number shown below. The prospectus contains compete information, including risks, fees and expense, and should be read carefully before investing.
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