Evaluate existing annuities

Clients with older annuities could be paying for features they no longer need. There may be newer, commission-free options with the potential to lower their costs and bring your clients’ retirement portfolios under your fiduciary umbrella.

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Straightforward, tax-favored investing
Lincoln Investor Advantage® suite of variable annuities

Advisor case study: An easier way to conduct annuity audits

Transitioning old commission-based annuities to more suitable, lower-cost advisory strategies can be cumbersome and time-consuming.


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Alyssa's challenge

Several of Alyssa’s clients own old brokerage annuities that she wants to evaluate to determine if they still align with their needs and goals. She also wants to assess today’s commission-free options to compare benefits, features and costs.

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The solution

Alyssa’s Lincoln RIA consultant conducted complimentary annuity audits to efficiently review the existing contracts and provide direct-to-RIA recommendations. Through the process, Alyssa uncovered new opportunities, including:

  • Cost reductions that could save her clients thousands
  • Stronger income guarantees to pay her clients more in retirement
  • Strategies for protected growth and reduced portfolio risk
  • Solutions to reduce her clients’ tax exposure


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Annuities are long-term investment products designed for retirement purposes and are subject to market fluctuation, investment risk, and possible loss of principal.


Investors are advised to consider the investment objectives, risks, and charges and expenses of the variable annuity and its underlying investment options carefully before investing. The applicable prospectuses for the variable annuity and its underlying investment options contain this and other important information. Please call 888 868 2583 for free prospectuses. Read them carefully before investing or sending money. Products and features are subject to state availability.


Lincoln products are not a deposit nor FDIC-insured, may go down in value, and are not insured by a federal government agency or guaranteed by any bank or savings association. All guarantees and benefits of the insurance policy are subject to the claims-paying ability of the issuing insurance company. They are not backed by the broker-dealer and/or insurance agency selling the policy, or any affiliates of those entities other than the issuing company affiliates, and none makes any representation or guarantees regarding the claims-paying ability of the issuer.