LINCOLN ANNUITIES

Growing your retirement savings is only one part of planning for your future. Have you thought about how you'll turn your "nest egg" into a monthly retirement income? Annuities are long-term savings vehicles designed to do just that: grow and protect your money leading up to retirement, then turn that money into an income stream you can't outlive. Annuities can either be Immediate (payout begins at purchase) or Deferred (payout begins at a later date).

Consider purchasing an Annuity to help you prepare for retirement. Explore the options we can offer you:

Fixed annuities — For a predictable return

• Provides a monthly payout based on a fixed interest rate
• Can specify payouts for a fixed period of time or for life (annuitization)
• Earnings are not taxed until paid out (tax-deferred)
• Best for investors with low risk tolerance who seek wealth preservation or an addition/alternative to other fixed income vehicles (Bonds, CD's, etc.)

Explore Fixed Annuity products

Fixed indexed annuities — For a predictable return with growth potential

• Provides a monthly payout that has the potential to grow (based on S&P 500 Index)
• Can specify payouts for a fixed period of time or for life (annuitization)
• Tax deferred
• Protects against market downturns - your account value cannot fall with the market
• Not an investment, an insurance product
• Best for investors with low risk tolerance who seek greater growth potential than other fixed indexed products

Explore Fixed indexed annuity products

Immediate annuities — for current income

• Provides income payments for a fixed period of time or for life
• Income payments can be fixed, adjusted annually according to an outside index, or variable (based on the performance of underlying sub-accounts)
• Offers multiple options for payout, including income that lasts for your entire life (or for the lives of you and your spouse)
• Income payments are taxed using the exclusion ratio method (each payment consists of earnings and a return of basis)
• May be appropriate for individuals with low to moderate or high risk tolerance (depending on type of payout option chosen) who seek current income

Explore Immediate annuity products

Variable annuity — For a maximum potential return Provides a monthly payout based on a variable interest rate, dependent on market performance of the underlying portfolio you choose Offers multiple options for payout, including an income stream for life Provides a return of your original investment (principal) through withdrawals or a death benefit Can specify payouts for a fixed period of time or for life (annuitization) Tax deferred Best for investors with medium to high risk tolerance who seek maximum growth potential.

Explore Variable annuity products

Contact your financial advisor to purchase a LINCOLN FINANCIAL^SM annuity.