Lincoln Investor Advantage ® RIA Class

A variable annuity designed to help protect wealth through tax-efficient investing.

Growth powered by tax deferral. Investments powered by excellence. Income powered by innovation. This is Lincoln Investor Advantage® RIA Class.

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Product Performance

Optional income benefit rider available with Lincoln Investor Advantage® RIA Class

Lincoln Investor Advantage® RIA Class is designed for tax-deferred accumulation so you're prepared when it's time for income.

i4LIFE® Advantage is an income-distribution system that provides lifetime income. It's ideal for clients who want guaranteed lifetime income, control over investment allocations and access to their money. This living benefit rider is available for an additional cost.


Guaranteed lifetime income Generates income for life
Continued growth potential Investment options continue to grow tax-deferred
Tax-efficient income Nonqualified contracts typically pay out higher total after-tax payment compared to a systematic withdrawal because the payment includes a nontaxable return of principal
Legacy planning Options for passing income on to future generations without the tax burden often incurred from typical wealth transfers
Cost Additional annual charge of .40%1
Investment requirements No investment restrictions

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 an 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.

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.

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1 There is a credit to clients who select a minimum Access Period of the greater of 20 years or until age 85 — with a $500,000 deposit the credit is 0.10% annually and with a $1,000,000 deposit the credit is 0.20% annually (see prospectus for complete details.)

Subject to state approval, Lincoln 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.

Contracts sold in New York are issued by Lincoln Life & Annuity Company of New York, Syracuse, NY, and distributed by Lincoln Financial Distributors, Inc., a broker-dealer.

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.