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LINCOLN MYGUARANTEESM PLUS FIXED ANNUITY



Payment Options

With Lincoln MYGuaranteeSM Plus fixed annuity, when you are ready to begin taking income payments, you have a number of choices, listed below under "Income Options." In addition, if you die before you annuitize (meaning begin taking income payments), your beneficiaries will receive a death benefit payment (see below under "Death Benefit" for details).

Income Options
When you are ready to retire and begin receiving income from your annuity, you may choose from a number of different payment options, including the following:

Income for a Fixed Period Lincoln pays you income for the number of years you select (minimum 5 years).
Income for Life Lincoln pays you income for as long as you live, or for as long as you and your spouse both live.  Also available: Life Income with a Guarantee Period or Life Income with Installment Refund.
Interest Only Lincoln pays interest on your total annuity proceeds during a specified period of time, after which you may receive your annuity proceeds plus interest, or choose another payment option.
Income of a Fixed Amount Lincoln pays you income payments of an amount that you select until your annuity proceeds and interest are exhausted (minimum 5 year payment period).


Death Benefit

If you die before you annuitize your annuity contract (begin taking income payments), Lincoln will pay your beneficiary a death benefit payment made up of the greater of the following:

  • The annuity contract value; or
  • The total amount of the premium payments you have made, minus any prior surrenders and surrender charges, accumulated at the guaranteed minimum fixed interest rate.


The death benefit is paid directly to the contract beneficiary, which avoids the possible delays of probate. The death benefit is subject to any applicable taxes.

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Taxes are due upon withdrawal, and if withdrawn before age 59 1/2, may be subject to a 10% IRS penalty.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