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A Fortune 500 company with headquarters in Philadelphia, Lincoln National Corporation: NYSE-LNC had assets under management of $234 billion as of December 31, 2006.*
Lincoln's oldest affiliate celebrated its centennial in 2005, marking 100 years of
growth, strength and integrity in financial services. A century of success may be viewed as a strong
measure of client satisfaction. A leader in employer markets for nearly 40 years, Lincoln Financial
has a solid reputation for outstanding customer service and overall expertise as a plan provider.
More than 55,000 employer groups have chosen Lincoln Financial to help their employees save
for retirement.
Product Highlights
Lincoln Financial offers a mutual fund program and a group variable annuity product.
Lincoln Alliance® Program offers:
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19 core mutual funds
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7 asset allocation models (providing a guideline percentage allocation among program investment options)
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Guaranteed fixed annuity (3% minimum)
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No surrender charges
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Multi-Fund® Group Variable Annuity offers:
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23 variable investment options
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Guaranteed fixed account (3% minimum)
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No surrender charges
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Guaranteed minimum death benefit
(Guarantees are backed by the claims paying ability of the Lincoln National Life Insurance Company.)
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Life-time annuity guarantees
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Participant Service Options
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Access to your account is available 24 hours a day, 7 days a week at www.LFG.com/UT.
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Knowledgeable customer service representatives are available from 7:00 a.m. to 7:00 p.m. CST by calling 800-4LINCOLN *T (800-454-6265*8).
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Your local Lincoln Financial representative is available to assist you with your retirement
planning needs, from enrollment to retirement.
Click here for a listing
of local Lincoln Financial representatives.
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Various educational materials providing detailed information about Lincoln Financial's
products and services, investments, market conditions and retirement planning needs are
available at any time at no charge.
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Local seminars on various interesting topics are offered.
Fees and Restrictions
Lincoln Alliance® Program offers:
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No annual administrative fees
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No surrender charges
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No M&E charges
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Fund expenses (.63% - 1.50%)
(Data provided by Morningstar and it is subject to change. Lincoln Financial does not guarantee its accuracy.)
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20% annual limit on Fixed Annuity transfers
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Multi-Fund® Group Variable Annuity offers:
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No annual administrative fees
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No surrender charges
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0.55% annual M&E fee
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Fund expenses (.28% to 1.17%)
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20% annual limit on fixed account transfers
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Consider the investment objective, risks, charges and expenses of the investment, and, for the variable annuity, the underlying investment options, carefully before investing. The prospectus contains this and other information about the investment. A prospectus is available by calling 800-4Lincoln *T or by visiting www.LFG.com. Read it carefully before investing or sending money.
A variable annuity is a long-term investment product designed particularly for retirement purposes. Variable annuities contain both investment and insurance components, and have fees and charges, including mortality and expense, administrative, and advisory fees. Optional guarantee features are available for an additional charge and are based on the financial strength of the insurer. The annuity's value fluctuates with the market value of the underlying investment options and all assets accumulate tax-deferred. Withdrawals taken before age 59 ½ may be subject a 10% federal tax penalty.
Mutual Fund Investment Options
The Lincoln Alliance®Program offers a variety of widely recognized mutual funds.
| Asset Allocation Models |
Core Mutual Funds |
Columbia Acorn USA Z |
| LifeSpanSM Conservative Model |
Stock-based Funds |
Columbia Mid Cap Value Z |
| LifeSpanSM Moderate Model |
AllianceBernstein Intl Val K |
Fidelity Advisor Leveraged Co Stk A |
| LifeSpanSM Aggressive Model |
Allianz NFJ Dividend Value A |
James Small Cap |
| 2011 LifeSpanSM Model |
American Funds American Balanced R4 |
Neuberger Berman Partners Tr |
| 2021 LifeSpanSM Model |
American Funds Capital Inc Bldr R4 |
Oppenheimer Small & Mid Cap Value A |
| 2031 LifeSpanSM Model |
American Funds Capital World G/I R4 |
T. Rowe Price Real Estate Advisor |
| 2041 LifeSpanSM Model |
American Funds EuroPacific Gr R4 |
Bond-based Funds |
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American Funds Fundamental Invs R4 |
American Funds American Hi Inc Tr R4 |
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American Funds Grth Fund of Amer R4 |
Delaware Diversified Income A |
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Baron Partners |
PIMCO Total Return Admin |
Annuity Investment Options
The Multi-Fund® Group Variable Annuity offers 23 variable investment options.
| Preservation of Capital |
Long Term Growths |
Maximum Capital Appreciation |
| Fixed Account |
American Funds Global Growth |
AllianceBernstein Global Technology |
| Lincoln VIP Money Market |
American Funds Growth |
DWS Small Cap Index VIP |
| Income |
American Funds International |
Delaware VIP Trend |
| Delaware VIP High Yield |
DWS Equity 500 Index VIP |
Neuberger Berman AMT Mid-Cap Growth |
| Lincoln VIP Bond |
Delaware VIP Small Cap Value |
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| Growth and Income |
Fidelity® VIP Contrafund® |
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| AllianceBernstein Growth and Income |
Lincoln VIP Growth and Income |
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| American Funds Growth-Income |
Lincoln VIP International |
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| Delaware VIP Value |
Lincoln VIP Social Awareness |
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| Lincoln VIP Equity-Income |
Lincoln VIP Special Opportunities |
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| Lincoln VIP Managed |
MFS® VIT Utilities |
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Accessing Your Account
Lincoln Financial offers a number of payout options and
personalized service to assist you with selecting the option
that best meets your retirement needs. We offer:
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Annuitization: Fixed and variable annuitization options
that includes Single Life and Joint and Survivor payouts as
well as guarantee periods that range from 3 to 20 years.
Guarantees are backed by the claims-paying ability of the
issuer.
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Full or partial cash withdrawal: At retirement the vested
accumulated value of your account may be withdrawn without
restriction or charge. You may receive the distribution
in a lump sum or a convenient Automated Withdrawal
Service. Withholding may apply.
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Minimum distribution: Lincoln Financial will automatically
send you the amount necessary to satisfy the IRS
Required Minimum Distribution retirement at the later of
age 70 1/2 or retirement for this account (this will not take
into account any other retirement accounts you may have).
Taxes will apply to distributions and if taken prior to age
59 1/2 may be subject to additional 10% federal tax penalties.
Consider the investment objective, risks, charges and expenses of the investment, and, for the variable annuity, the underlying investment options, carefully before investing. The prospectus contains this and other information about the investment. A prospectus is available by calling 800-4Lincoln *T or by visiting www.LFG.com. Read it carefully before investing or sending money.
*Please refer to www.LFG.com for the most recent annual report.
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