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LINCOLN SMARTINCOMESM INFLATION ANNUITY



Overview

Today's retirees - and those of us planning for retirement - know that the "rules" for retirement are changing. Americans are living longer than ever, and enjoying more active, fulfilling pursuits during their retirement years. However, unlike previous generations, retirees today face more of the burden of funding their retirement, as many traditional sources of retirement income become a thing of the past. The challenge today is how to create and manage your retirement income resources.

An income annuity - like Lincoln SmartIncomeSM Inflation Annuity - can help address some of the challenges faced by retirees.

Lincoln SmartIncomeSM Inflation Annuity is an immediate annuity that offers:

  • Lifetime income payments that help keep pace with inflation.
  • A death benefit (within contract provisions)
  • A reserve value that provides flexibility

Lincoln SmartIncomeSM Inflation Annuity helps answer questions like:

  • What if I start receiving income, but die before recovering my premium?
  • What if my beneficiary wants or needs the death benefit all at once?
  • What if I change my mind?
  • What if the value of the dollar goes down?
  • What if inflation "goes through the roof"?

Contact your Lincoln representative to find out how Lincoln SmartIncomeSM Inflation Annuity can provide a retirement income solution to help address these issues.

Important Disclosures - Please Read.

Guarantees are backed by the financial strength and claims-paying ability of the issuing insurance company. Products and features are subject to state availability.

Lincoln SmartIncomeSM Inflation Annuity (contract form 07-611 or state variation) is a single premium immediate annuity issued by The Lincoln National Life Insurance Company, Fort Wayne, IN. The Lincoln National Life Insurance Company is not authorized nor does it solicit business in the state of New York. The "contract" may be referred to as a "certificate" in certain states. The certificate is a group annuity certificate issued under a group annuity contract issued by The Lincoln National Life Insurance Company to a group annuity trust. Contractual obligations are backed by the claims-paying ability of The Lincoln National Life Insurance Company.

Contracts sold in New York are issued on contract form 07-611NY by Lincoln Life & Annuity Company of New York, Syracuse, NY. The contractual obligations are backed by the claims-paying ability of Lincoln Life & Annuity Company of New York.

This material was prepared to support the promotion and marketing of an insurance product. Neither the insurance company, its distributors, nor their respective employees and representatives provide tax, accounting, or legal advice. Any tax statements contained herein were not intended or written to be used, and cannot be used, for the purpose of avoiding U.S. federal, state, or local tax penalties. Clients should consult their own independent advisor as to any tax, accounting, or legal statements made herein.

Not a deposit.

May go down in value.

Not FDIC-insured - Not insured by any federal agency.

Not guaranteed by any bank or savings association.

LCN200709-2008298

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Lincoln Financial Group is the marketing name for Lincoln National Corporation and its affiliates.




LCN-2008251IA