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LINCOLN DEFERRED INCOME SOLUTIONSSM ANNUITY



Key Features

Lincoln Deferred Income SolutionsSM Annuity offers a number of features to help you meet your future income needs. The following are some key facts and features about the product:

Type of Product Lincoln Deferred Income SolutionsSM Annuity is a single premium, deferred income annuity.
Minimum Premium Payment Amount The minimum premium payment amount is $10,000. No additional premium can be added.
Age Requirements In order to purchase this product, you must be between certain age ranges, depending on the type of contract you purchase:
  • For IRA contracts, you must be between ages 18–68.
  • For all other contracts, you must be between ages 18–80.
Starting Income When you purchase your Lincoln Deferred Income SolutionsSM Annuity contract, you must decide when you would like to begin income. You can wait a few years or wait until some point in the future to start receiving payments, depending on your reasons for purchasing the annuity.
Flexibility Should your needs change, and you haven't yet started taking income; you may have one opportunity to change the beginning date. This feature is available with several payout options.

Once you begin receiving income, there is additional built-in flexibility if you are receiving monthly payments: you can request a lump sum payment consisting of the current payment and the next five consecutive monthly payments — after which your regular monthly payments will resume. This feature is not available with IRAs.
Death Benefit If you are concerned about protecting your heirs, several payout options provide a return of premium death benefit during the deferral phase of Lincoln Deferred Income SolutionsSM Annuity.

Important Disclosures. Please Read.

Guarantees are subject to the financial strength and claims-paying ability of the issuing insurance company. Products and features are subject to state availability.

Lincoln Deferred Income SolutionsSM Annuity single premium deferred annuity (contract form 13-618S, or state variation) is 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 subject to the claims-paying ability of The Lincoln National Life Insurance Company.

Contracts sold in New York (when available) are issued 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 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.

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/LCN201308-2083915 - DIAKEY