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Today's retirees — and those of us planning for retirement — know that the "rules" for retirement are changing. Americans are living longer than ever, and enjoying more active, fulfilling pursuits during their retirement years. However, unlike previous generations, retirees today face more of the burden of funding their retirement, as many traditional sources of retirement income become a thing of the past. The challenge today is how to plan and create your own retirement savings plan.

A single premium immediate fixed annuity — like Lincoln SPIA — can help address some of the challenges retirees face by providing regular, guaranteed retirement income that you can count on, while offering less risk than equity-based investment vehicles. Lincoln offers a variety of income payment options to choose from, including some that offer income payments that you cannot outlive.

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.

Lincoln Insured Income Immediate Annuity (SPIA) single premium immediate annuity (contract form 94-512, 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 94-512NY 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.

May go down in value.

Not FDIC-insured — Not insured by any federal agency.

Not guaranteed by any bank or savings association.

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.