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LINCOLN INSURED INCOMESM IMMEDIATE ANNUITY (SPIA)



Payment Options

With Lincoln Insured IncomeSM Immediate Annuity (SPIA), you can choose from a number of available payment options, based on one life, two lives or a specific timeframe, including those listed below:

Single Life Options: With each of these payment options, Lincoln pays you income for as long as you live. Several of the payment options offer a provision for a minimum amount of income to be paid.
Joint-and-Survivor Options: With each of these payment options, Lincoln pays income over two lifetimes. Several of the payment options offer a provision for a minimum amount of income to be paid.
Period Certain Option With this payment option, Lincoln will pay income for a guaranteed number of payments (you choose the timeframe from the current available options).

To better meet your income objectives, you can also pick the frequency of the income payments: monthly, quarterly, semi-annual or annual.

Important Disclosures. Please Read.

Contracts are issued by The Lincoln National Life Insurance Company, Fort Wayne, IN. Guarantees are subject to the financial strength and claims-paying ability of The Lincoln National Life Insurance Company. In New York, contracts are issued by Lincoln Life & Annuity Company of New York, Syracuse, NY. For New York residents, guarantees are subject to the claims-paying ability of Lincoln Life & Annuity Company of New York. All features may not be available in all states.

Lincoln Insured Income Immediate Annuity (SPIA) single premium immediate annuity (contract form 94-512, or state variation) is a single premium immediate fixed annuity issued by The Lincoln National Life Insurance Company and may not be available in all states. 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. Waiver of surrender charges for Nursing Home Confinement Rider and Waiver of Surrender Charges for Terminal Illness Rider (form AE-119 and form AE-170, respectively, or state variation) may not be available in all states.

The exact terms of the annuity are contained in the contracts and any attached riders, which will control The Lincoln National Life Insurance Company's contractual obligations. For complete information about the annuity, please also read the Disclosure Statement and Facts-At-A-Glance, or contact your Lincoln National Life Insurance Company representative.

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.



LCN-2008251IA