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Saving and investing for retirement takes both advance planning and the flexibility to adapt as your needs and circumstances change over time. While there will be challenges to consider when creating your retirement plan including inflation, taxes, longevity and market volatility one tool to help you meet these challenges and help achieve your retirement goals is a variable annuity.

Lincoln offers a variety of variable annuities to help meet the unique needs of our clients. A Lincoln ChoicePlus AssuranceSM Bonus variable annuity is a long-term investment vehicle specifically designed for retirement savings. It offers a number of features to help you build the retirement plan that works best for you:

Options for growth potential: Variable annuities can potentially help you to outpace inflation and meet your financial goals by providing a variety of investment options with which to create a customized portfolio. A Lincoln ChoicePlus AssuranceSM variable annuity gives you access to the Lincoln Elite Series of Funds, a selection of professionally managed investment options, with choices from a range of asset classes and styles, from some of the nation's top investment managers.

Tax deferral: Because your variable annuity assets accumulate tax-deferred, and do not have any tax consequences until you take money from your contract, it offers greater growth potential. All withdrawals are subject to ordinary income taxes and if taken before age 59 1/2, may be subject to a 10% IRS penalty.

Income: A Lincoln ChoicePlus AssuranceSM variable annuity offers you many choices when you are ready to retire and begin taking income, including options that provide income for the rest of your life.

Asset protection: A Lincoln ChoicePlus AssuranceSM variable annuity also offers optional protection, for an additional cost, against market volatility for both you and your beneficiaries. This allows you to take advantage of any potential gains from your investment options while receiving downside protection from market downturns. For more information about these features, see the "optional features" box. Please note that certain features may not be available with bonus products.

Optional Features
4LATER® Advantage
Lincoln SmartSecurity® Advantage
i4LIFE® Advantage

Control and flexibility: With a Lincoln ChoicePlus AssuranceSM variable annuity you have the ability to meet your unique needs by aligning your contract with the investment options, withdrawals/income, optional benefits and level of risk that you want to assume.

Death Benefit: You can select the level of protection for your beneficiaries. Multiple death benefit options are available.

Considerations: Variable annuities are long-term contracts designed for retirement purposes. Costs for a variable annuity contract include the mortality and expense risk charge, annual contract and administrative fees and charges for the underlying funding options. A surrender charge may also apply. Election of optional features may be at an additional cost. These additional charges and expenses should be considered carefully before purchasing. The value of the annuity will fluctuate and when withdrawn, it may be worth more or less than the original premiums paid.

Why Lincoln ChoicePlus AssuranceSM Bonus variable annuity? The Lincoln ChoicePlus AssuranceSMvariable annuity offers five different options: A-Share, B-Share, C-Share, L-Share and Bonus. Clients who choose the Bonus option often do so because they want to receive a bonus credit on any payments they make into their annuity, and are comfortable with the trade-off of a longer time horizon and more limited availability than the other options. They want to maximize the living benefits and death benefits offered in their contract, and the bonus credit offered on their payments helps accomplish this.

This product may have higher expenses and longer surrender charges than other Lincoln ChoicePlus AssuranceSM variable annuities that do not offer a bonus credit. Over time, the bonus credit may be offset by the higher charges and expenses. Bonus credits are treated as earnings for distribution purposes and will be subject to market risk when invested in the variable subaccounts.
Certain riders are not available for election with bonus products.

There is no additional tax deferral benefit for contracts purchased in an IRA or other tax-qualified plan, since these are already afforded tax-deferred status. Therefore, an annuity should only be purchased in an IRA or qualified plan if the client values some of the other features of the annuity and is willing to incur any additional costs associated with the annuity to receive such benefits.

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.

Lincoln Financial Group is the marketing name for Lincoln National Corporation and its affiliates.

Lincoln ChoicePlus Assurance Bonus, a variable annuity, is issued on contract form 30070-B by Lincoln Life & Annuity Company of New York, Syracuse, NY, and distributed by Lincoln Financial Distributors, Inc., a broker/dealer. Contractual obligations are backed by the claims-paying ability of Lincoln Life & Annuity Company of New York. Limitations and exclusions may apply.

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.