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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 ChoicePlusSM Design 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 ChoicePlusSM Design 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 ChoicePlusSM Design 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 ChoicePlusSM Design 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.

Optional Features
i4LIFE® Advantage

Control and flexibility : With a Lincoln ChoicePlusSM Design 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 Design 2 variable annuity? The Lincoln ChoicePlusSM Design variable annuity offers three different options: Design 1 (B-Share), Design 2 (L-Share) and Design 3 (Bonus). Clients who choose the Design 2 often do so because they are uncertain of their short-term availability needs and have a shorter time horizon for taking withdrawals from their contract than the Design 1 and 3 options offer.

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 Design 2, a variable annuity, is issued on contract form 30070-B and state variations by The Lincoln National Life Insurance Company (Lincoln), Fort Wayne, IN, and distributed by Lincoln Financial Distributors, Inc., a broker-dealer. 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.

Products and features are subject to state availability. 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.