Accumulation | Lincoln FIA | Lincoln Financial

Your money can never go down. It can only go up.

Fixed indexed annuities offer more growth potential than traditional “safe” investments with 100% downside protection, all at no cost.¹

Why choose Lincoln fixed indexed annuities?

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Upside growth potential

Diversified options range from a guaranteed fixed rate to index-linked strategies.

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Keep your retirement savings safe

Your account will never be credited less than 0%, even in a down market.

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No cost

No ongoing product charges means you keep more of what you earn.¹

Find growth in up, flat and down markets

This video shows how FIAs with trigger strategies help you navigate any market conditions. ...............................................................................

Watch the strategy in action

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Five ways to help protect your retirement

By addressing key risks now, you can build a strategy that helps you plan confidently for the future. This guide helps answer frequently asked questions about FIAs.

Explore the guide

Explore our fixed indexed annuity product options

The products below are subject to firm and state approvals:

¹Beginning in the first contract year, during the surrender charge period, you can withdraw up to 10% of your account value each contract year without incurring charges or a Market Value Adjustment.

A fixed indexed annuity is intended for retirement or other long-term needs. It is intended for a person who has sufficient cash or other liquid assets for living expenses and other unexpected emergencies, such as medical expenses. A fixed indexed annuity is not a registered security or stock market investment and does not directly participate in any stock or equity investments, or index. One cannot invest directly in an index.

Lincoln fixed indexed annuities (contract forms ICC1515-619, ICC17-622, ICC25-000702 and state variations) are issued by The Lincoln National Life Insurance Company, Fort Wayne, IN, and distributed by Lincoln Financial Distributors, Inc., a broker-dealer. The Lincoln National Life Insurance Company does not solicit business in the state of New York, nor is it authorized to do so. Contractual obligations are subject to the claims-paying ability of The Lincoln National Life Insurance Company.

This annuity does not participate directly in any stock or equity investment and does not include the purchase of shares of stock or an index. The indexed accounts use an outside market index as a benchmark for determining indexed account earnings. Any dividends paid on the stocks on which the index is based do not increase the annuity earnings. All payments and values provided by the contract, when based on performance of the indexed account, are not guaranteed to be equivalent to the benchmarking index. The composition of the index and the methodology used by the index to calculate its performance are not guaranteed and may be changed at any time by the index provider.

Income taxes are due upon withdrawal and if withdrawn before age 59½, an additional 10% federal tax may apply. Withdrawals and surrenders may be subject to surrender charges and a Market Value Adjustment.

There is no additional tax-deferral benefit for contracts purchased in an IRA or other tax-qualified plan, since they are already afforded tax-deferred status

Product and features are subject to state availability. Limitations and exclusions may apply. Not available in New York.

Date last updated: 03/13/2026