Lincoln annuities

Let's talk options and opportunities.

Your clients’ needs can evolve over a lifetime…or change in a heartbeat. Below you’ll find an overview of the range of solutions that Lincoln has created exclusively for RIAs. Just keep in mind that our dedicated team of RIA specialists are just a phone call away. They understand your challenges and can walk you through your options by calling 877-533-5630.

Lincoln Investor Advantage^® Suite
Designed to protect wealth through tax-efficient investing.

Lincoln InvestmentSolutions^SM RIA
Offers premier asset management with optional living and death benefits.

American Legacy® Target Date Income Advisory
Provides a combination of target date investing and protected lifetime income.

Lincoln Level Advantage^SM
An indexed variable annuity that balances protection and growth.

Deferred and immediate annuities
Guaranteed income now or later.

Variable annuity comparison

	Lincoln Level Advantage^SM Indexed Variable Annuity - Advisory	Lincoln Investor Advantage^®RIA Class	Lincoln InvestmentSolutions^SM RIA	American Legacy^® Target Date Income Advisory
Investment selection	Multiple indexed account options No explicit fees* 14 variable subaccount options Net average fund expense: 0.81%	145+ funds Net average fund expense: 0.75% No 12b-1 fees Asset class guidance Risk-based strategies Thematic/goal-based strategies	80+ funds Net average fund expense: 0.64% No 12b-1 fees	6 Target Date funds Net average fund expense: 0.88%
Accumulation guarantee	N/A	N/A	Lincoln ProtectedPay^SM Minimum investment: $25,000, for qualified and nonqualified contracts Cost: Lincoln ProtectedPay^SM lifetime income suite is available for an additional annual charge of 1.50% above standard contract expenses, or 1.60% for joint life (maximum annual charge is 2.75%). Investment requirements apply. Predictable growth. Your Protected Income Base grows at the greater of 6% (simple interest) or account performance. Protected income for life. Get a steady income stream or choose an option that delivers more income in the earlier years of retirement. Investment choice and flexibility. Build a portfolio that fits your goals and investment preferences.	Target Date Income Benefit 6% simple step-ups Guaranteed withdrawls for life, percentage based on age, beginning at age 48 Cost: 1.10% (single) or 1.35% (joint)
Lifetime income	i4LIFE^® Indexed Advantage Lifetime income, no income floor No investment restrictions Annual cost: 0.40%	i4LIFE^® Advantage Lifetime income, no income floor No investment restrictions Cost: 0.40%	i4LIFE^® Advantage Select Guaranteed Income Benefit Guaranteed minimum payment for life Cost: 1.35% (single life) or 1.55% (joint life)	i4LIFE^® Advantage Lifetime income, no income floor No investment restrictions Cost: 0.40%
Cost	0.10% - applied to variable subaccounts only (For Account Value death benefit) Indexed accounts: no explicit cost*	M&E: 0.35% 0.20% for contracts more than $250,000 For Account Value death benefit	M&E: 0-80: 0.50% 81-85: 0.70% For Guarantee of Principal (GOP) Death Benefit	M&E: 0.10% For Account Value death benefit
Liquidity	No surrender charges	No surrender charges	No surrender charges	No surrender charges
Guaranteed death benefit	Account value death benefit (standard) Guarantee of Principal (GOP) death benefit: 0.30%	Account value death benefit (standard) Earnings Optimizer death benefit: 0.40% (0.70% ages 70 —75)	Guaranteed Return of Premium (standard) Highest anniversary death benefit: 0.25%	Account value death benefit (standard) Guarantee of Principal (GOP) death benefit: 0.30%

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.

Guarantees are subject to the claims paying ability of the issuing company.

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 variable annuities are issued by The Lincoln National Life Insurance Company, Fort Wayne, IN, 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.

Lincoln products are not a deposit nor FDIC-insured, may go down in value, and are not insured by any 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.