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LINCOLN DIRECTORSM GROUP VARIABLE ANNUITY



Funds for Every Investment Style

Lincoln DirectorSM includes investment choices that meet a variety of investing needs and styles. All or only a selection of these investment choices can be included in a company's plan. This gives employees an opportunity to diversify and helps employers meet fiduciary requirements under ERISA 404(c).

  • Domestic Equity
    These investment options focus on stocks primarily of United States companies. Typical investments include purchasing equity shares of corporations that are incorporated in the U.S.
  • Fixed Income
    Such options generally try to maximize current income while maintaining stability of principal. Strategies often invest in securities that pay a fixed rate of return or fixed dividend. This usually refers to securities such as bonds, money market instruments or preferred stock issued by U.S. governments, state and local governments, publicly held companies, banks and savings and loans.
  • International/Global Equity
    Such investment options often emphasize investments in stocks of multinational or global companies. The focus includes opportunities based on assets located outside the United States, including emerging markets.
  • Other
    Other categories of funds that seeks both growth and income, with stability of principal, through portfolios that includes stocks, bonds, and cash instruments. Investors can select from a series of investment options based on their general comfort level for risk.
Domestic Equity
AllianceBernstein VPS Small/Mid Cap Value 2 SA #39
American Funds AMCAP Fund® SA #1A
American Funds American Mutual Fund® SA #1D
American Funds Fundamental InvestorsSM SA #1J
American Funds Growth Fund of America® SA #1K
American Funds Investment Company of America® SA #1N
American Funds New Economy Fund® SA #1P
American Funds Washington Mutual Investors FundSM SA #1U
BlackRock Capital Appreciation SA #81
BlackRock Equity Dividend SA #LF
BlackRock Large Cap Growth SA #LG
BlackRock Flexible Equity 2 SA #83
Invesco Small Cap Discovery 2 SA #76
LVIP Delaware Growth and Income16 SA #11
Delaware Small Cap Core 2, 16 SA #2C
Delaware VIP®Small Cap Value 2, 16 SA #56
Delaware VIP®Value 16 SA #61
Fidelity®VIP Contrafund® SA #35
LVIP Dimensional U.S. Equity RPM 10 SA #57
Franklin Growth SA #58
Fidelity®VIP Mid Cap 2 SA #84
FTVIPT Mutual Shares Securities SA #2J
Janus Aspen Enterprise 2 SA #64
SSgA Russell All Cap Index Non-Lending Series 2, 3, 12 SA #23
LVIP Baron Growth Opportunities 2 SA #1X
LVIP Delaware Social Awareness 16 SA #33
LVIP Delaware Special Opportunities 2, 16 SA #L7
LVIP SSgA S & P 500 Index 3, 11 SA #27
LVIP SSgA Small-Cap Index 2, 3 SA #36
LVIP Vanguard Domestic Equity ETF 10, 13 SA #19
ColumbiaSMAcorn 2 SA #17
MFS®VIT Growth SA #65
MFS®VIT Utilities 4 SA #67
SSgA Russell Small/Mid Cap Index Non-Lending Series 2, 3, 12
SA #24
SSgA Russell Large Cap Growth®Index Non-Lending Series 3, 12 SA #L9
SSgA Russell Large Cap Value®Index Non-Lending Series 3, 12 SA #L8
SSgA Russell Small Cap Growth Index Non-Lending Series 2, 3, 12 SA #LC
SSgA Russell Small Cap Value Index Non-Lending Series 2, 3, 12 SA #LB
SSgA S&P MidCap®Index Non-Lending Series 2, 3, 12 SA #LA
Invesco Growth and Income SA #28
Wells Fargo Advantage®Discovery 2 SA #63
Fixed Income
LVIP BlackRock Inflation Protected Bond5 SA #92
American Funds American High-Income TrustSM 7 SA #1C
American Funds Bond Fund of AmericaSM 5 SA #1E
American Funds Capital World Bond Fund® 1, 5 SA #1G
American Funds Intermediate Bond Fund of America® 5 SA #1M
American Funds U.S. Government Securities FundSM 5 SA #1T
Delaware VIP®Diversified Income 5, 16 SA #93
Delaware VIP®Limited-Term Diversified Income 5, 16 SA #87
FTVIPT Templeton Global Bond Securities 1, 5 SA #86
LVIP Delaware Bond 5, 16 SA #12
Guaranteed Account/Guaranteed Stable Value Account
Franklin High Income 7 SA #20
LVIP SSgA Bond Index 3, 5 SA #L6
PIMCO Total Return 5 SA #LM
Federated Government Ultrashort Duration 6 SA #14
International/Global Equity
American Funds Capital World Growth and Income FundSM 1 SA #1H
American Funds EuroPacific Growth Fund® 1 SA #1I
American Funds New Perspective Fund® 1 SA #1Q
American Funds New World Fund® 1, 2, 9 SA #1R
American Funds SMALLCAP World Fund® 1, 2 SA #1S
BlackRock Energy & Resources 4 SA #77
Oppenheimer Developing Markets 1, 9 SA #94
LVIP Mondrian International Value 1 SA #22
LVIP Clarion Global Real Estate 1, 4, 8 SA #55
LVIP SSgA International Index 1, 3, 15 SA #L5
LVIP Templeton Growth RPM 1, 18 SA #62
LVIP Vanguard International Equity ETF 10, 13 SA #59
Other/Target Date Funds
LVIP Managed Risk Profile 2010 10, 14, 17 SA #L1
LVIP Managed Risk Profile 2020 10, 14, 17 SA #L2
LVIP Managed Risk Profile 2030 10, 14, 17 SA #L3
LVIP Managed Risk Profile 2040 10,14,17 SA #L4
LVIP Managed Risk Profile 2050 10,14,17 SA #LL
LVIP Delaware Foundation®Aggressive Allocation 6, 16 SA #97
LVIP Delaware Foundation®Conservative Allocation 6, 16 SA #95
LVIP Delaware Foundation®Moderate Allocation 6, 16 SA #96
Vanguard Target Retirement 2010 10, 14 SA #V1
Vanguard Target Retirement 2020 10, 14 SA #V2
Vanguard Target Retirement 2030 10, 14 SA #V3
Vanguard Target Retirement 2040 10, 14 SA #V4
Vanguard Target Retirement 2050 10, 14 SA #V5
Other/Balanced Funds
Vanguard LifeStrategy® - Growth 6, 10 SA #32
American Funds American Balanced Fund® 6 SA #1B
American Funds Capital Income Builder® 6 SA #1F
American Funds Income Fund of America® 5 SA #1L
Vanguard LifeStrategy® - Moderate Growth6, 10 SA #21
BlackRock Global Allocation 1, 6 SA #LE
Vanguard LifeStrategy® - Conservative Growth6, 10 SA #30
Franklin Balanced6 SA #2R
FTVIPT Franklin Income Securities6 SA #2I
SSgA Real Asset Non-Lending Series 4, 12 SA #LD
Other/Stadion Profiles
Stadion Managed Conservative SA #TC
Stadion Managed Growth SA #TG
Stadion Managed Moderate SA #TM
Stadion Managed Capital Appreciation SA#TP
Stadion Managed Balanced SA#TB
Stadion Managed Tactical SA#TT
Managed Principal Protection Portfolio


How Are They Performing?

You can easily keep track of how the investment options perform via daily performance updates. Click here to see current investment option performance.

To learn more about Lincoln DirectorSM please contact your Lincoln representative.

IMPORTANT DISCLOSURES:

1 International
Investing internationally involves risks not associated with investing solely in the United States, such as currency fluctuation, political risk, differences in accounting and the limited availability of information.

2 Small & Mid Cap
Funds that invest in small and/or mid-size company stocks typically involve greater risk, particularly in the short term, than those investing in larger, more established companies.

3 Index
An index is unmanaged, and one cannot invest directly in an index.

4 Sector Funds
Funds that concentrate investments in one region or industry may carry greater risk than more broadly diversified funds.

5 Bond Portfolios
The return of principal in bond portfolios is not guaranteed. Bond Portfolios have the same interest rate, inflation, credit, prepayment and market risks that are associated with the underlying bonds owned by the fund (or account).

6 Asset Allocation Portfolios
Asset allocation does not ensure a profit, nor protect against loss in a declining market.

7 High Yield Portfolios
High-yield portfolios may invest in high-yield or lower rated fixed-income securities (junk bonds), which may experience higher volatility and increased risk of non-payment or default.

8 REIT
REITs involve risks such as refinancing, economic conditions in the real estate industry, changes in property values, dependency on real estate management, and other risks associated with a portfolio that concentrates its investments in one sector or geographic region.

9 Emerging Markets
Investing in emerging markets can be riskier than investing in well-established foreign markets. International investing involves special risks not found in domestic investing, including increased political, social and economic instability.

10 Fund of Funds
Each Fund is operated as a fund of funds which invests primarily in other funds rather than in individual securities. Funds of this nature may be more expensive than other investment options.

11 S&P
"Standard & Poor's®", "S&P 500®", Standard & Poor's 500®" and "500" are trademarks of Standard & Poor's Financial Services LLC, a subsidiary of The McGraw-Hill Companies, Inc. and have been licensed for use by Lincoln Variable Insurance Products Trust and its affiliates. The product is not sponsored, endorsed, sold or promoted by Standard & Poor's and Standard & Poor's makes no representation regarding the advisability of purchasing the product.

12 Collective Trusts
Collective trusts are non-deposit investment products, which are not bank deposits or obligations, are not guaranteed by any bank, and are not insured or guaranteed by the FDIC, the Federal Reserve Board, or any other government agency.

13 Exchange-Traded Funds
Exchange-traded funds (ETFs) in this lineup are available through collective trusts or mutual funds. Investors cannot invest directly in an ETF.

14 Target Date Funds
The target date is the approximate date when investors plan to retire or start withdrawing their money. Some target-date funds make no changes in asset allocations after the target date is reached; other target-date funds continue to make asset allocation changes following the target date (see prospectus for the fund's allocation strategy). The principal value is not guaranteed at any time, including at the target date.

15 MSCI Disclosure
The fund referred to herein is not sponsored, endorsed, or promoted by MSCI, and MSCI bears no liability with respect to any such fund, or an index on which each fund is based. The prospectus and statement of additional information contain a more detailed description of the limited relationship MSCI has with Lincoln Investment Advisors Corporation and any related funds.

16 Delaware Investments
Investments in Delaware Investments VIP Series, Delaware Funds, LVIP Delaware Funds or Lincoln Life accounts managed by Delaware Investment Advisors, a series of Delaware Management Business Trust, are not and will not be deposits with or liabilities of Macquarie Bank Limited ABN 46008 583 542 and its holding companies, including their subsidiaries or related companies, and are subject to investment risk, including possible delays in prepayment and loss of income and capital invested. No Macquarie Group company guarantees or will guarantee the performance of the Series or Funds or accounts, the repayment of capital from the Series or Funds or account, or any particular rate of return.

17Protection Sub-strategy
The Fund's protection sub-strategy is not a guarantee, and the Fund's shareholders may experience losses. The Fund employs hedging strategies designed to provide for downside protection during sharp downward movements in equity markets. The cost of these hedging strategies could limit the upside participation of the Fund in rising equity markets relative to other un-hedged funds.

18RPM
The Fund's RPM strategy is not a guarantee the Fund's shareholders may experience losses. The Fund employs hedging strategies designed to manage overall portfolio volatility. The cost of these hedging strategies could limit the upside participation of the Fund in rising equity markets relative to un-hedged funds.

This variable annuity contract has limitations and expense charges. For costs and complete details of the coverage contact your Lincoln plan representative.

The Lincoln DirectorSM is a group variable annuity contract issued by The Lincoln National Life Insurance Company, Fort Wayne, IN on policy form #19476 7/94 and variations thereof. It is distributed by Lincoln Financial Distributors, Inc., a broker-dealer.

Lincoln Financial Group
1300 S. Clinton St.
P.O. Box 2248
Fort Wayne, IN 46801-2248


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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.


The Lincoln Director(SM) is a group variable annuity issued by The Lincoln National Life Insurance Company, Fort Wayne, IN, on policy form #19476 (and variations thereof) and is distributed by broker-dealers with selling agreements.
The Lincoln National Life Insurance Company is not an admitted insurer and does not solicit business in New York.
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