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I4LIFE® ADVANTAGE GUARANTEED INCOME BENEFIT PROTECTED FUNDS






When it's time to take income, Lincoln variable annuities offer a patented income distribution method, i4LIFE Advantage GIB Protected Funds, an optional living benefit rider available for an additional charge. i4LIFE provides lifetime income with the potential for increasing payments during retirement. i4LIFE can be elected either directly or transitioned from Lincoln Lifetime IncomeSM Advantage 2.0 Protected Funds.*

i4LIFE provides

  • Guaranteed income for life
  • Control of investment options
  • Access to money until at least age 90
  • Opportunity for increasing income payments
  • Participation in the growth potential of the market

Guaranteed Income Benefit (GIB) payments
The GIB guarantees a minimum benefit, and your future i4LIFE Advantage payment will never be less than your first protected payment (provided you do not take additional withdrawals). The GIB, or protected payments, will continue for the rest of your life — guaranteed. All guarantees, including those for optional features, are subject to the claims-paying ability of the issuing company. Limitations and conditions apply.

i4LIFE Advantage GIB provides income growth potential even in a declining market.

i4LIFE Advantage with the Guaranteed Income Benefit provides income growth potential even in a declining market

This hypothetical example does not reflect a specific investment. Investment requirements apply for the GIB. After the Access Period ends, payments will continue on a lifetime basis, but you will no longer have access to your assets or a death benefit.

Variable annuities are long-term investment products that offer a lifetime income stream, access to leading investment managers, options for guaranteed growth and income (available for an additional charge), and death benefit protection.

To decide if a variable annuity is right for you, consider that its value will fluctuate; it is subject to investment risk and possible loss of principal; and there are costs associated such as mortality and expenses, administrative and advisory fees.

*This optional feature is available with a Lincoln variable annuity for an additional annual charge of 1.05%, or 1.25% for joint coverage, above standard contract expenses (maximum annual charge of 2.00%). If transitioning from Lincoln Lifetime Income Advantage 2.0 to i4LIFE Advantage, an Income4Life® feature, the initial GIB amount equals the percentage of the contract value or the Income Base (less allowable withdrawals), whichever is greater.

Important disclosures:

THE LINCOLN PROTECTED STRATEGIES ARE NOT GUARANTEED OR INSURED BY LINCOLN OR ANY OTHER INSURANCE COMPANY OR ENTITY, AND SHAREHOLDERS MAY EXPERIENCE LOSSES. THE STRATEGIES USED ARE SEPARATE AND DISTINCT FROM ANY ANNUITY OR INSURANCE CONTRACT RIDER OR FEATURES.

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.

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 variable annuities and American Legacy® variable annuities are issued by The Lincoln National Life Insurance Company, 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.

Contracts sold in New York 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.

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.



LCN-2008249busrep/LCN-751006-102113