Guaranteed Growth toward Lifetime Income

Make the transition from accumulation to income. Lincoln Lifetime IncomeSM Edge is an optional Guaranteed Lifetime Withdrawal Benefit Rider available with certain Lincoln fixed indexed annuities. For an additional charge, this feature can help you prepare for retirement by generating a guaranteed stream of lifetime payments.

Lincoln Lifetime IncomeSM Edge offers:    

  • A lifetime income with a degree of flexibility
  • An income base with a 5% annual compounding enhancement, which guarantees growth toward future lifetime income
  • Income Bonus Rate if you wait a certain number of years to take income
  • 10% nursing home enhancement, which increases the withdrawal rate for qualified nursing home expenses for ages 65 and over. Subject to rider provisions and state availability.
  • Single covered life or a joint covered life option (chosen at issue)

By planning ahead, you can exercise control over the benefit amount. This flexibility may help to plan for retirement income needs.

Lincoln Lifetime IncomeSM Edge provides a guaranteed income withdrawal amount, called the Lifetime Benefit Amount, which can be withdrawn from the contract value each rider year. The withdrawal amount is guaranteed, subject to terms of the rider, even if the contract’s accumulation value is reduced to zero.

Lincoln Lifetime IncomeSM Edge is subject to state availability.

Lincoln fixed indexed annuities are issued by The Lincoln National Life Insurance Company, Fort Wayne, IN. The Lincoln National Life Insurance Company does not solicit business in the state of New York, nor is it authorized to do so. Contractual obligations are subject to the claims-paying ability of The Lincoln National Life Insurance Company.

Not for use in New York.

All features may not be available in all states.

Taxes are due upon withdrawal, and if withdrawn before age 591/2, may be subject to an additional 10% federal tax penalty. Withdrawals and surrenders may be subject to surrender charges and a Market Value Adjustment. There is no additional tax deferral benefit for contracts purchased in an IRA or other tax-qualified plan, since these are already afforded tax-deferred status. Therefore, an annuity should only be purchased in an IRA or qualified plan if the client values some of the other features of the annuity.

The exact terms of the annuity are contained in the contracts and any attached riders, which will control the issuing company’s contractual obligations. For more information about the annuity, please also read the Disclosure Statement and Facts-At-A-Glance, or contact your Lincoln representative.

Lincoln Lifetime IncomeSM Edge is an optional Guaranteed Lifetime Withdrawal Benefit (GLWB) rider (form AE-245 or state variations) available for an additional charge and subject to rider issue age limits, which may differ from the contract issue age limits. May not be available in all states. Not available in New York. Limitations and exclusions may apply. May not be available with all products or product versions.

Guarantees are subject to the financial strength and claims-paying ability of the issuing insurance company. Products and features are subject to state availability.

Lincoln Financial Group® affiliates, their distributors, and their respective employees, representatives and/or insurance agents do not provide tax, accounting or legal advice. Clients should consult their own independent advisor as to any tax, accounting or legal statements made herein.

Not a deposit.

May go down in value.

Not FDIC-insured — Not insured by any federal agency. Not guaranteed by any bank or savings association.