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LINCOLN OPTICHOICESM FIXED INDEXED ANNUITY



Overview

Lincoln OptiChoiceSM Fixed Indexed Annuity is a flexible premium fixed indexed annuity and offers a number of features to help you meet your retirement income needs. Lincoln OptiChoiceSM Fixed Indexed Annuity offers four choices for premium allocation:

  • A fixed interest account, with the interest rate guaranteed annually
  • Indexed interest accounts, with performance tied to the S&P 500 Index ® :
    • One Year Performance Triggered
    • One Year Monthly Cap (not available in New York)
    • One Year Monthly Average (not available in New York)

Refer to the Indexed Account sections (above) for additional information. Refer to the Key Features section (above) for more detailed information.

Important Disclosures. Please Read.

Products and features 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Taxes are due upon withdrawal, and if withdrawn before age 59 1/2, may be subject to a 10% IRS penalty.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 OptiChoiceSM flexible premium deferred annuity (contract form 05-606, or state variation) is a fixed indexed annuity issued by The Lincoln National Life Insurance Company, Fort Wayne, IN, and distributed by Lincoln Financial Distributors, Inc., a broker-dealer, and may not be available in all states (may be referred to as "equity indexed annuity" in certain states). The Lincoln National Life Insurance Company does not solicit business in the state of New York, nor is it authorized to do so. Contractual obligations are backed by the claims-paying ability of The Lincoln National Life Insurance Company. The contract may be subject to a Market Value Adjustment.

Lincoln OptiChoiceSM NY flexible premium deferred annuity (contract form 05-606LNY1) is a fixed indexed annuity issued by Lincoln Life & Annuity Company of New York, Syracuse, NY, and distributed by Lincoln Financial Distributors, Inc., a broker-dealer, and is only available in New York. Contractual obligations are backed by the claims-paying ability of Lincoln Life & Annuity Company of New York.

"Standard & Poor's® " and "S&P 500® " are trademarks of Standard & Poor's Financial Services LLC, a subsidiary of The McGraw-Hill Companies, Inc. and have been licensed for use by The Lincoln National Life Insurance Company. Lincoln's products are not sponsored, endorsed, sold or promoted by Standard & Poor's, and Standard & Poor's makes no representation regarding the advisability of purchasing this product. The S&P 500 Index is a price index and does not reflect dividends paid on the underlying stocks.

LCN-2008251-fia / LCN201105-2055097-b

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-2008251fia