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4LATER® ADVANTAGE PROTECTED FUNDS






If you're looking for growth and don't need to take withdrawals right away, 4LATER Advantage Protected Funds, an optional living benefit rider available for an additional charge, can provide a base for your future retirement income that's guaranteed to grow.

4LATER Advantage provides guaranteed step-ups to the Income Base and locks in account value when exceeding a 5% increase in any year. All guarantees, including those for optional features, are subject to the claims-paying ability of the issuing company. Limitations and conditions apply.

4LATER Advantage provides guaranteed step-ups to retirement Income Base

These charts are hypothetical, for illustrative purposes only, and are intended to show the mechanics of an investment in a variable annuity with 4LATER Advantage Protected Funds. Variable annuity and feature charges will decrease investment returns. Withdrawals while in 4LATER Advantage Protected Funds will reduce the Income Base pro rata.

Important: Available for nonqualified contracts only. You should only consider 4LATER Advantage Protected Funds if you're interested in electing i4LIFE® Advantage Guaranteed Income Benefit Protected Funds. 4LATER works with i4LIFE to provide minimum lifetime payments with the potential to grow. i4LIFE Advantage Guaranteed Income Benefit Protected Funds is available for an additional charge. If you elect 4LATER Advantage Protected Funds, you cannot elect any other living benefit we offer at the same time, and you must invest in one of the protected fund strategies or other selected investment options.

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.

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-751000-102113