University of North CarolinaLincoln Financial Group

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Summary of Program


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Product Highlights

  • 18 core mutual funds
    • 5 target date asset allocation investment funds
  • Guaranteed fixed annuity (3% minimum)
  • No surrender charges

Participant Service Options

  • Access to your account is available 24 hours a day, 7 days a week at www.LFG.com/UNC.
  • Knowledgeable customer service representatives are available from 7:00 a.m. to 7:00 p.m. EST by calling 800-234-3500.
  • 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.
  • 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.
  • Local seminars on various interesting topics are offered.

Fees and Restrictions

  • No annual administrative fees
  • No surrender charges
  • No M&E charges
  • Fund expenses (.68% - 1.50%) (Data provided by Morningstar and it is subject to change. Lincoln Financial does not guarantee its accuracy.)
  • 20% annual limit on Fixed Annuity transfers

Consider the investment objectives, risks, charges, and expenses of the variable product carefully before investing. The prospectus contains this and other information about the variable product. Please contact your Lincoln representative for a prospectus; it should be read carefully before investing or sending money.

Mutual Fund Investment Options

The Lincoln Alliance®Program offers a variety of widely recognized mutual funds.

Stock-based Allocation
Allianz NFJ Small Cap Value Instl. / Small Value T. Rowe Price Retirement 2010 Adv / Target-Date 2000-2010
American Beacon Lg Cap Value Y / Large Value T. Rowe Price Retirement 2020 Adv / Target-Date 2016-2020
American Funds Capital World G/I R6 / World Stock T. Rowe Price Retirement 2030 Adv / Target-Date 2026-2030
American Funds EuroPacific Gr R6 / Foreign Large Blend T. Rowe Price Retirement 2040 Adv / Target-Date 2036-2040
American Funds Grth Fund of Amer R6 / Large Growth T. Rowe Price Retirement Income Adv / Target-Date 2000-2014
Columbia Acorn Intl. Z / Foreign Small/Mid-Cap Growth Bond-based
Columbia Acorn USA Z / Small Growth BlackRock Inflation Protected Bond Instl. / Inflation-Protected Bond
Columbia Mid Cap Value Z / Mid-Cap Value PIMCO Total Return P / Intermediate-Term Bond
Dreyfus MidCap Core I / Mid-Cap Growth Cash & Stable Value
Dreyfus MidCap Index / Mid-Cap Blend Lincoln Fixed Annuity
Dreyfus S&P 500 Index / Large Blend Vanguard Prime Money Market / Money Market Taxable
Dreyfus Small Cap Stock Index / Small Blend  
Newberger Berman Socially Resp. / Large Growth  
Nuveen Real Estate Secs I / Real Estate  

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:

  • 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.
  • 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.
  • 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 objectives, risks, charges, and expenses of the variable product carefully before investing. The prospectus contains this and other information about the variable product. Please contact your Lincoln representative for a prospectus; it should be read carefully before investing or sending money.

* Please refer to www.LFG.com for the most recent annual report.

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