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LINCOLN MYGUARANTEE SM PLUS FIXED ANNUITY



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With Lincoln MYGuaranteeSM Plus fixed annuity, you have access to your money at any time. However, depending on how long the money has been in the contract, you may have to pay a penalty, called a "surrender charge," for taking the money out. A market value adjustment may also apply.

In addition, federal income taxes are due when withdrawals are made, and if you are under age 59 1/2, you may have to pay a 10% IRS penalty.

Free Partial Surrenders : 10% of your contract value is available to you each contract year during the surrender charge period, without incurring charges. This is referred to as the 10% annual free withdrawal (income taxes may apply).

Surrender Charge Schedule : During the surrender charge period, withdrawals above the 10% annual free withdrawal amount are subject to a Market Value Adjustment (MVA) - which is an adjustment, positive or negative, applied to the contract's Accumulation Value - and a surrender charge, which depends on the contract year and the initial guarantee period selected at issue; see the following:

Contract Year
Initial Guarantee Period 1 2 3 4 5 6 7 8 9 10
3 7% 7% 6%
4 7% 7% 6% 5%
5 7% 7% 6% 5% 4%
6 7% 7% 6% 5% 4% 3%
7 7% 7% 6% 5% 4% 3% 2%
8 7% 7% 6% 5% 4% 3% 2% 0%
9 7% 7% 6% 5% 4% 3% 2% 0% 0%
10 7% 7% 6% 5% 4% 3% 2% 0% 0% 0%

Not all guarantee periods will be available at all times.  State variations apply.

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.

Taxes are due upon withdrawal, and if withdrawn before age 59 1/2, may be subject to a 10% IRS penalty.

Lincoln MYGuaranteeSM Plus single premium deferred annuity (contract form 09-612MY or state variation) is a fixed 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 09-612MYNY 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. The contract may be subject to a Market Value Adjustment. The exact terms of the annuity are contained in the contracts and any attached riders, which will control the issuer's contractual obligations.

For complete information about the annuity, please also read the Disclosure Statement and Facts-At-A-Glance, or contact your Lincoln representative. There is no additional tax deferral benefit for contracts purchased in an IRA or other tax-qualified plan, since these are already afforded tax-deferred status. Therefore, an annuity should only be purchased in an IRA or qualified plan if the client values some of the other features of the annuity.

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.  Not FDIC-Insured.  May go down in value. Not insured by any federal government agency.  Not guaranteed by any bank or savings association.

LCN200910-2035710

Hello future.
Lincoln Financial Group is the marketing name for Lincoln National Corporation and insurance
company affiliates, including The Lincoln National Life Insurance Company, Fort Wayne, IN,
and in New York, Lincoln Life & Annuity Company of New York, Syracuse, NY. Variable products
distributed by broker/dealer-affiliate Lincoln Financial Distributors, Inc., Radnor, PA. Securities
and investment advisory services offered through other affiliates. Explore Lincoln.



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