- Select Core
- Select Plus
- Select Max
- Secure Core
- Secure Plus
- Secure Max
Lincoln ProtectedPay Select Core®
Meet Carol
“I want predictable lifetime income.”
She chooses this option because she wants:
- Consistent income that will last throughout retirement and will never decrease
- Access to a broad set of investment choices
| Age | Single | Joint |
|---|---|---|
|
80+ |
6.70% |
6.10% |
|
75-79 |
6.55% |
6.00% |
|
70-74 |
6.35% |
5.80% |
|
65-69 |
6.15% |
5.60% |
|
59-64 |
4.50% |
4.25% |
Annual income rates are for Lincoln ProtectedPay Select Core® with the Guarantee of Principal Death Benefit. Annual income rates for the Select Core® option with the Estate LockSM Death Benefit are here.
Tax-advantaged income with i4LIFE®
You have the option to transition the greater of your Protected Income Base or account value to i4LIFE® Advantage Select Guaranteed Income Benefit (GIB). If invested with after-tax money, i4LIFE® helps manage the impact of taxes on your income.
Lincoln ProtectedPay Select PlusSM
Meet Janelle
“I want to hold off taking Social Security income.”
She chooses this option because she wants:
- Front-loaded retirement income to bridge the gap before Social Security starts
- Growth potential through a broad set of investment choices
| Age | Single AV>0 | Single AV=0 | Joint AV>0 | Joint AV=0 |
|---|---|---|---|---|
|
80+ |
8.10% |
4.50% |
7.60% |
4.25% |
|
75-79 |
8.00% |
4.50% |
7.50% |
4.25% |
|
70-74 |
7.90% |
4.50% |
7.40% |
4.25% |
|
65-69 |
7.65% |
4.50% |
7.10% |
4.25% |
|
59-64 |
5.70% |
3.00% |
5.20% |
3.00% |
Lincoln ProtectedPay Select MaxSM
Meet Steve
“I want an active life in retirement.”
He chooses this option because he wants:
- Higher income during the first part of retirement to meet anticipated higher expenses
- Growth potential through a broad set of investment choices
| Age | Single AV>0 | Single AV=0 | Joint AV>0 | Joint AV=0 |
|---|---|---|---|---|
|
80+ |
9.10% |
3.50% |
8.70% |
3.25% |
|
75-79 |
9.00% |
3.50% |
8.60% |
3.25% |
|
70-74 |
8.85% |
3.50% |
8.40% |
3.25% |
|
65-69 |
8.65% |
3.50% |
8.25% |
3.25% |
|
59-64 |
5.70% |
3.00% |
5.20% |
3.00% |
Lincoln ProtectedPay Secure Core®
Meet George
“I’m concerned I’ll run out of money in retirement.”
He chooses this option because he wants:
- Consistent income that will last throughout retirement and will never decrease
- Access to more focused, less risky set of investment choices
| Age | Single | Joint |
|---|---|---|
|
80+ |
6.90% |
6.45% |
|
75-79 |
6.75% |
6.30% |
|
70-74 |
6.55% |
6.10% |
|
65-69 |
6.35% |
5.90% |
|
59-64 |
4.75% |
4.50% |
Annual income rates are for Lincoln ProtectedPay Secure Core® with the Guarantee of Principal Death Benefit. Annual income rates for the Secure Core® option with the Estate LockSM Death Benefit are here.
Tax-advantaged income with i4LIFE®
You have the option to transition the greater of your Protected Income Base or account value to i4LIFE® Advantage Select Guaranteed Income Benefit (GIB). If invested with after-tax money, i4LIFE® helps manage the impact of taxes on your income.
Lincoln ProtectedPay Secure PlusSM
Meet Victor
“I don’t want my lifestyle compromised by market movement.”
He chooses this option because he wants:
- More income earlier in retirement with adjusted, lower payments that are guaranteed for life
- Access to more focused, less risky set of investment choices
| Age | Single AV>0 | Single AV=0 | Joint AV>0 | Joint AV=0 |
|---|---|---|---|---|
|
80+ |
8.10% |
5.00% |
7.60% |
4.50% |
|
75-79 |
8.00% |
5.00% |
7.50% |
4.50% |
|
70-74 |
7.90% |
5.00% |
7.40% |
4.50% |
|
65-69 |
7.65% |
5.00% |
7.10% |
4.50% |
|
59-64 |
5.90% |
3.50% |
5.40% |
3.25% |
Lincoln ProtectedPay Secure MaxSM
Meet Lori
“I want to travel the world as soon as I retire.”
She chooses this option because she wants:
- Maximum initial income to help with the higher level of expenses she expects.
- Access to more focused, less risky set of investment choices
| Age | Single AV>0 | Single AV=0 | Joint AV>0 | Joint AV=0 |
|---|---|---|---|---|
|
80+ |
9.30% |
3.50% |
8.90% |
3.25% |
|
75-79 |
9.20% |
3.50% |
8.80% |
3.25% |
|
70-74 |
9.05% |
3.50% |
8.60% |
3.25% |
|
65-69 |
8.85% |
3.50% |
8.45% |
3.25% |
|
59-64 |
5.90% |
3.50% |
5.40% |
3.25% |
How RIAs are helping clients allocate less to get more upfront income
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Lincoln ProtectedPay® 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.
The 6% simple annual growth will continue for the earlier of 10 years or through age 85 (based on the oldest life for joint). The 6% enhancement is not available in any year a withdrawal is taken. See the prospectus for complete details.
The Protected Annual Income rate is based on the age at the time of the first withdrawal. Thereafter, the PAI rate will only change after reaching a higher age band and after an account value lock in. With Lincoln’s tiered income options; Lincoln ProtectedPay Select Plus®, Lincoln ProtectedPay Select Max®, Lincoln ProtectedPay Secure Plus®, and Lincoln ProtectedPay Secure Max®, your protected income payout will decrease if your account value falls to zero.
Lincoln Financial® 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 59, 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 877-533-5630 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 any entity 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.
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.