University of TexasLincoln Financial Group

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Home > Retirement Plans > Lincoln Financial Options > Summary of Plans

Summary of Lincoln Financial Group Investment Options


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Lincoln Financial Group is a Fortune 500 company with headquarters in the Philadelphia region. Lincoln's oldest affiliate has more than a century-long heritage of proven results. A century of success may be viewed as a strong measure of financial strength and 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 29,000 employers and more than 1.4 million plan participants have chosen Lincoln Financial to help save for retirement. For more information regarding Lincoln's financial strength, please visit www.LincolnFinancial.com.

Product Highlights

Lincoln Financial offers a mutual fund program and a group variable annuity product.

Lincoln Alliance® Program offers:

  • 25 core mutual funds
  • 10 asset allocation models
  • Guaranteed fixed annuity (3% minimum)
  • No surrender charges

Multi-Fund® Group Variable Annuity offers:

  • 21 variable investment options
  • 5 asset allocation models
  • Guaranteed minimum death benefit
  • Life-time annuity guarantees

Participant Service Options

  • Access to your account is available 24 hours a day, 7 days a week at www.LFG.com/UT.
  • Knowledgeable customer service representatives are available from 7:00 a.m. to 7:00 p.m. CST by calling 800-4LINCOLN *8 (800-454-6265*8).
  • 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


Lincoln Alliance® Program offers:

  • No annual administrative fees
  • No surrender charges
  • No M&E charges
  • Fund expenses (.42% - 1.51%)
  • 20% annual limit on Fixed Annuity transfers may apply

Multi-Fund® Group Variable Annuity offers:

  • No annual administrative fees
  • No surrender charges
  • 0.55% annual M&E fee
  • Fund expenses (.33% to 1.08%)
  • 20% annual limit on fixed account transfers may apply

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 may be subject a 10% federal tax penalty.

Mutual Fund Investment Options

The Lincoln Alliance®Program offers a variety of widely recognized mutual funds along with 10 asset allocation models..

Asset Allocation Models Core Mutual Funds Janus Triton A 5, 11
LifeSpanSM Conservative Model Stock-based Investments Oppenheimer Developing Markets A 7
LifeSpanSM Moderate Model Allianz NFJ Dividend Value A T. Rowe Price Real Estate Adv 8, 11
LifeSpanSM Aggressive Model Allianz NFJ International Value A 6 Vanguard Developed Markets Index Inv 6, 10
2011 LifeSpanSM Model American Funds EuroPacific Gr R4 6 Wells Fargo Advantage Growth Adm
2021 LifeSpanSM Model American Funds Fundamental Investors R4 Balanced-based Investments
2031 LifeSpanSM Model Columbia Large Cap Index A 10 PIMCO All Asset All Authority D 4,
2041 LifeSpanSM Model Columbia Mid Cap Growth Z American Funds American Balanced R4
2051 LifeSpanSM Model Columbia Small Cap Index A 5, 10 Bond-based Investments
LifeSpan® Retirement Income
Models - Conservative
Delaware Small Cap Value Instl 5
Principal MidCap Blend R4
Metropolitan West High Yield Bond M
LifeSpan® Retirement Income
Models - Moderate
Heartland Select Value Templeton Global Bond A
LifeSpan® Retirement Income
Models - Aggressive
Janus Overseas S 6,11 Delaware Inflation Protected Bond Inst
    Vanguard Interm-Term Bond Index Signal
    PIMCO Total Return Admin
    Delaware Diversified Income A
    Cash and Stable Value Investments
    Lincoln Fixed Annuity
    American Funds Money Market R4

Annuity Investment Options

The Multi-Fund®Group Variable Annuity offers a variety of variable investment options along with 5 asset allocation models.

Preservation of Capital Long Term Growth Maximum Capital Appreciation
Fixed Account American Funds Global Growth Delaware VIP® Smid Cap Growth
LVIP Money Market American Funds Growth LVIP SSgA Emerging Markets 100
Growth & Income American Funds International LVIP T. Rowe Price Structured Mid-Cap Growth
American Funds Growth-Income DWS Equity 500 Index VIP Neuberger Berman AMT Mid-Cap Growth
Delaware VIP® Value Delaware VIP Small Cap Value Asset Allocation Models
Income Fidelity® VIP Contrafund® LVIP Delaware Foundation®
Delaware VIP® Diversified Income LVIP Cohen & Steers Global Real Estate Conservative Allocation
Delaware VIP® High Yield LVIP Delaware Social Awareness LVIP Delaware Foundation®
LVIP Delaware Bond LVIP Delaware Special Opportunities Moderate Allocation
LVIP Global Income   LVIP SSgA Global Tactical Allocation
    LVIP Conservative Profile
    LVIP Moderate Profile

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 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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