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4LATER® ADVANTAGE

When it comes to planning for your retirement, knowing in advance how much income you'll need can be invaluable. But it can be difficult sometimes to know just how much income the money you're saving now will provide once you're ready to retire.

4LATER® Advantage, an optional feature available for an additional cost with your Lincoln variable annuity, can give you answers today to help you plan for your retirement tomorrow.

What 4LATER® Advantage tells you about your future retirement income:

  • Your minimum payment- With 4LATER® Advantage, you know what your future minimum retirement payments will be based on several factors. Your minimum payment is called the Guaranteed Income Benefit (GIB).
  • Your payment's minimum growth- No matter how the market performs, you know the minimum amount your future GIB will grow to between now and when you're ready to start taking payments. The Automatic Enhancement increases your future GIB by 15% every three years no matter how the investment options perform. These increases are limited to a maximum 200% cap.
  • Your payment can grow even more- In addition to its minimum growth, your future GIB can grow even more if investment results are good. If investment option results are higher than the 15% Automatic Enhancement increase, 4LATER® Advantage can capture and lock-in this higher amount. The 200% maximum cap is also reset. If you choose this reset, the current charge in effect will apply (up to a 1.50% maximum) and a new, three-year waiting period begins.
  • Help you plan for the payment you want- Because you know your minimum payment today, you also know how much you might need to be saving in order to receive the future GIB you want.

4LATER® Advantage provides you the opportunity to grow your future GIB payments now, and know what they will be when you start taking payments later. This can help you determine how much to save and also allows you to take advantage of positive investment performance in the meantime.

This feature is not available for election with certain bonus products.

NOTE: There is an annual charge for 4LATER® Advantage above standard contract charges of 0.65%, based on the current Income Base. You should only consider 4LATER® Advantage if you are interested in electing i4LIFE® Advantage to receive lifetime income payments sometime in the future.

Election of this feature will restrict certain subaccounts.

This material was prepared to support the promotion and marketing of a variable annuity product. Lincoln Financial Group® affiliates, their distributors, and their respective employees, representatives and/or insurance agents do not 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.

Variable annuities are long-term contracts designed for retirement purposed. These additional charges and expenses should be considered carefully before purchasing.

Return and principal value may fluctuate so when withdrawn it may be worth more or less than the original cost / premiums paid.

Lincoln Financial Group is the marketing name for Lincoln National Corporation and its affiliates. Insurance products are issued by The Lincoln National Life Insurance Company (Lincoln), Fort Wayne, IN, and affiliates and distributed by Lincoln Financial Distributors, Inc., a broker/dealer. In some states, contract terms are set out and coverage may be provided in the form of certificates issued under a group policy issued to a group life insurance trust. The Lincoln National Life Insurance Company does not solicit business in the state of New York, nor is it authorized to do so.

Contracts sold in New York are issued by Lincoln Life & Annuity Company of New York, Syracuse, NY.

Contractual obligations are backed by the claims-paying ability of the issuing insurance company.

Products and features are subject to state availability.

Variable products are sold by prospectus. Consider the investment objectives, risks, charges, and expenses of the variable product and its underlying investment options carefully before investing. The prospectus contains this and other information about the variable product and its underlying investment options. A prospectus is available on LincolnFinancial.com or you may request one from your registered representative. Read it carefully before investing.

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-2008251VA