Lincoln InvestmentSolutions SM RIA

Flexibility to customize for client needs and goals

A variable annuity that combines access to premier asset management with a wide range of optional benefits for protected growth, lifetime income and legacy planning.

  • No commissions or surrender charges
  • Advisory fee friendly
  • Easy-to-integrate
  • Built for RIAs

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Explore the optional benefits available

Custom build solutions to address your clients’ specific needs with a choice of optional benefits, available for an additional cost.

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Lincoln ProtectedPaySM lifetime income suite

Guaranteed growth and lifetime income
For clients who want growth opportunities for the future, additional income protection or a plan to bridge a retirement income gap

Learn more about Lincoln ProtectedPaySM

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i4LIFE® Advantage

Tax-efficient income
For clients who want to make the most of their investment by paying out income in a way that gets taxed less and provides more opportunities for increasing income in retirement.

Learn more about i4LIFE® Advantage

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Bridge to Tax Efficient Income

More options
For clients who want to bridge from protected pay to i4life, there's options.

Learn about the options


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Lincoln Financial Group® affiliates, their distributors, and their respective employees, representatives, and/or insurance agents do not provide tax, accounting, or legal advice. Please consult your own independent advisor as to any tax, accounting or legal statements made herein.

Variable annuities are long-term investment products designed for retirement purposes and are subject to market fluctuation, investment risk, and possible loss of principal. Variable annuities contain both investment and insurance components and have fees and charges, including mortality and expense, administrative, and advisory fees. Optional features are available for an additional charge. The annuity's value fluctuates with the market value of the underlying investment options, and all assets accumulate tax-deferred. Withdrawals of earnings are taxable as ordinary income and, if taken prior to age 59½, may be subject to an additional 10% federal tax. Withdrawals will reduce the death benefit and cash surrender value.

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 variable annuity prospectus contains this and other important information about the variable annuity and its underlying investment options. Please call 888-868-2583 for a free prospectus. Read it carefully before investing or sending money.

Products and features are subject to state availability.

Lincoln variable annuities and American Legacy® variable annuities 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.

All contract and rider guarantees, including those for optional benefits, fixed subaccount crediting rates or annuity payout rates, are subject to the claims-paying ability of the issuing insurance company. 

They are not backed by the broker-dealer or insurance agency from which this annuity is purchased, or any affiliates of those entities other than the issuing company affiliates, and none makes any representations or guarantees regarding the claims-paying ability of the issuer.

There is no additional tax-deferral benefit for an annuity contract purchased in an IRA or other tax-qualified plan.

Not available in New York.