Lincoln Investor Advantage® Suite

Variable annuities designed to help protect wealth through tax-efficient investing.

Favorable tax treatment

Minimize taxes to maximize investment returns.
View our tax investing digital flier
 


Investment flexibility and choice

Build a portfolio that fits individual goals and investment preferences.
 


Income and legacy options

Plan tax-smart retirement income and a legacy for loved ones.
 


Available products

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Lincoln Investor Advantage® RIA Class

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

View the Lincoln Investor Advantage® RIA Class product page

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Lincoln Investor Advantage® Advisory Choice

A straightforward investing strategy

View the Lincoln Investor Advantage® Advisory Choice product page

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Lincoln Investor Advantage® NY

Growth powered by tax deferral. Investments powered by excellence. Income powered by innovation.

View the Lincoln Investor Advantage® NY product page

 

  Lincoln Investor Advantage® RIA Class Lincoln Investor Advantage® Advisory Choice Lincoln Investor Advantage® Advisory – New York
Investment selection 145+ funds
  • Net average fund expense: 0.75%
  • No 12b-1 fees
  • Asset class guidance
  • Risk-based strategies
  • Thematic/goal-based strategies
145+ funds
  • Net average fund expense: 1.01%
  • Asset class guidance
  • Risk-based strategies
  • Thematic/goal-based strategies
145+ funds
  • Net average fund expense: 1.01%
  • Asset class guidance
  • Risk-based strategies
  • Thematic/goal-based strategies
Accumulation guarantee N/A N/A N/A
Lifetime income i4LIFE®  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
  • Lifetime income, no income floor
  • No investment restrictions
  • Cost: 0.40%
Cost M&E: 0.35%
  • 0.20% for contracts more than $250,000
  • For Account Value death benefit
M&E: 0%
  • $20 monthly fee, waived for contracts more than $250,000
  • For Account Value death benefit
M&E: 0.10%
  • 0% for contracts more than $250,000
  • For Account Value death benefit
Liquidity No surrender charges No surrender charges No surrender charges
Guaranteed death benefit Account value death benefit (standard)

Earnings Optimizer death benefit:
0.40% (0.70% ages
70 —75) 
Account value death benefit (standard)

Earnings Optimizer death benefit:
0.40% (0.70% ages
70 —75)  
Account value death benefit (standard)

Earnings Optimizer death benefit:
0.40% (0.70% ages
70 —75)