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LINCOLN OPTIPOINT® FIXED INDEXED ANNUITY



Overview

Lincoln OptiPoint® 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 OptiPoint®: Fixed Indexed Annuity offers a premium bonus and 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:
    • Two Year Point-to-Point
    • Two Year Monthly Cap
    • One Year Performance Triggered

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

Important Disclosures. Please Read.

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Taxes are due upon withdrawal, and if withdrawn before age 59 1/2, may be subject to a 10% premature distribution penalty.

Lincoln OptiPoint ®  Fixed Indexed Annuity is a flexible premium deferred annuity (contract form 06-610, or state variation) 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.

"Standard & Poor's(R)" and "S&P 500(R)" 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.

Not available in New York.

LCN-2008251fia / LCN201105-2055098

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