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With tax rates reaching their highest level in more than 30 years, you need a way to help protect your wealth and your retirement income assets by minimizing tax exposure. Consider a tax-efficient investment strategy that's built for the long term — Lincoln Investor AdvantageSM variable annuity.

Growth powered by tax deferral. Investments powered by excellence. Income powered by innovation. This is Lincoln Investor Advantage.

Growth powered by tax deferral: Lincoln Investor Advantage provides tax-deferred growth. You won't be taxed on any earnings or growth until you withdraw funds or begin taking income.

Tax deferral alone won't ensure growth due to the inherent fluctuating nature of investing.

Investments powered by excellence: Lincoln Investor Advantage offers investment options to build your portfolio. Our investment partners represent some of the industry's most respected managers, and our menu includes a diverse selection of traditional and alternative investment options.

Income powered by innovation: With i4LIFE® Advantage — an optional benefit, available for an additional charge — you can take advantage of our patented income distribution method. This option provides tax-efficient income when investing with non-qualified money.

Considerations: A variable annuity is a long-term investment product that offers tax-deferred growth, access to leading investment managers and a lifetime income stream. To decide if a variable annuity is right for you, consider that its value will fluctuate, and it is subject to investment risk and possible loss of principal. In addition, there are associated costs, such as mortality and expenses, and administrative and advisory fees. All guarantees, including those for optional features, are subject to the claims-paying ability of the issuer. Limitations and conditions apply.

Important disclosures:
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. Please consult your 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. Affiliates are separately responsible for their own financial and contractual obligations.

Variable annuities are long-term investment products designed for retirement purposes and are subject to market fluctuation, investment risk, and possible loss of principal. Variable annuities contain both investment and insurance components and have fees and charges, including mortality and expense, administrative, and advisory fees. Optional features are available for an additional charge. The annuity's value fluctuates with the market value of the underlying investment options, and all assets accumulate tax-deferred. Withdrawals of earnings are taxable as ordinary income and, if taken prior to age 59½, may be subject to an additional 10% federal tax. Withdrawals will reduce the death benefit and cash surrender value.

Investors are advised to consider the investment objectives, risks, and charges and expenses of the variable annuity and its underlying investment options carefully before investing. The applicable variable annuity prospectus contains this and other important information about the variable annuity and its underlying investment options. Please call 888-868-2583 for a free prospectus. Read it carefully before investing or sending money. Products and features are subject to state availability.

Lincoln Investor AdvantageSM variable annuities (contract form 30070-A, 30070-B, and state variations) are issued by The Lincoln National Life Insurance Company, Fort Wayne, IN, 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.

Contracts sold in New York (contract forms 30070-A-NY and 30070-B-NY) are issued by Lincoln Life & Annuity Company of New York, Syracuse, NY, and distributed by Lincoln Financial Distributors, Inc., a broker-dealer.

All contract and rider guarantees, including those for optional benefits, fixed subaccount crediting rates, or annuity payout rates, are subject to the claims-paying ability of the issuing insurance company. They are not backed by the broker-dealer or insurance agency from which this annuity is purchased, or any affiliates of those entities other than the issuing company affiliates, and none makes any representations or guarantees regarding the claims-paying ability of the issuer.

All features may not be available in all states.

Some distributors require that, at the annuitant's age 95, the contract must annuitize. At annuitization, the contract owner will receive benefit payments under the base contract, and all such payments will be treated as annuity payments. Please contact Lincoln prior to the annuity date/contract maturity date to discuss options, including changing the annuitant.

There is no additional tax-deferral benefit for an annuity contract purchased in an IRA or other tax-qualified plan.


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.

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