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LINCOLN SMARTSECURITY® ADVANTAGE

for wealth preservation and growth potential.

You know that you need to save for retirement, even if you're not sure when you plan to retire, or how much income you'll need when you do. But you do know that while you are saving, you want to be sure that your retirement funds are protected. A variable annuity can help provide retirement security by exposing your savings to potential growth with options for protection.

Lincoln SmartSecurity®Advantage is an optional benefit available for an additional charge through Lincoln variable annuities. It allows you to take advantage of growth potential without the risk of market volatility, and select a payment plan that's right for you.

Lincoln SmartSecurity®Advantage has two key parts:

  • Principal protection- If your account value doesn't grow or falls to $0, your principal investment, also known as your Guaranteed Amount, will be returned to you (adjusted for withdrawals) through annual payments.
  • Growth protection- Your Guaranteed Amount will be stepped up to the account value, if higher, every year. There are annual withdrawals of up to 5% for 20 years. If you are age 65 or older at the time of your first withdrawal, you may receive 5% for the rest of your life. If not, withdrawals will last until your Guaranteed Amount is returned.

This feature may not be available for election with certain bonus products.

NOTE: Lincoln SmartSecurity® Advantage is available for an additional cost of 0.85% (single life) or 1.00% (joint life), of the Guaranteed Amount, depending on which option you choose. The expense of annuity benefits should be considered carefully against financial needs and goals. Withdrawals will impact the account value and death benefit, and are subject to ordinary income tax to the extent of gain. A federal 10% tax penalty may apply to withdrawals taken prior to age 59 1/2.

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 Distributos, 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