Lincoln FlexAdvantage SM fixed indexed annuity suite

The Lincoln FlexAdvantageSM flexible premium fixed indexed annuity suite offers several features to help meet accumulation and income needs.

Key features:

  • A Fixed Account offers a set interest rate for one year. Subsequent interest rates are declared annually.
  • Fixed indexed accounts have the potential to earn interest tied to the performance of outside indices. The indexed accounts are the 1 Year S&P 500 Performance Triggered, 1 Year S&P 500 Cap, 1 Year S&P 500 Participation, 1 Year S&P 500 5% Daily Risk Control Spread, 1 Year Fidelity AIM Dividend Participation.
  • A 5-year or 7-year surrender charge schedule, subject to state availability

If you have questions or for more information, please contact a financial professional.

Lincoln FlexAdvantageSM fixed indexed annuities (contract forms ICC1515-619 or 15-619 and state variations) 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. 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Taxes are due upon withdrawal, and if withdrawn before age 59½, may be subject to an additional 10% federal tax penalty.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 S&P 500 Index and the S&P 500 Daily Risk Control 5% Index are products of S&P Dow Jones Indices LLC, a division of S&P Global, or its affiliates (“SPDJI”), and have been licensed for use by The Lincoln National Life Insurance Company. Standard & Poor’s®, S&P®, and S&P 500 Daily Risk Control 5%™ are registered trademarks of Standard & Poor’s Financial Services LLC, a division of S&P Global (“S&P”); Dow Jones® is a registered trademark of Dow Jones Trademark Holdings LLC (“Dow Jones”); and these trademarks have been licensed for use by SPDJI and sublicensed for certain purposes by The Lincoln National Life Insurance Company. The Lincoln National Life Insurance Company’s product is not sponsored, endorsed, sold or promoted by SPDJI, Dow Jones, S&P, their respective affiliates, and none of such parties make any representation regarding the advisability of investing in such product nor do they have any liability for any errors, omissions, or interruptions of the S&P 500 Index or the S&P 500 Daily Risk Control 5% Index.

The Fidelity AIMSM Dividend Index (the "Index") is a product of Fidelity Product Services LLC ("FPS") and has been licensed for use by The Lincoln National Life Insurance Company and its affiliates and reinsurers ("Lincoln"). Fidelity is a registered trademark of FMR LLC. The Index is the exclusive property of FPS and is made and compiled without regard to the needs, including, but not limited to, the suitability needs of Lincoln or any Lincoln annuity owner. Lincoln exercises sole discretion in determining whether and how the annuity will be linked to the value of the Index. FPS does not provide investment advice to owners of the annuity, and in no event shall any Lincoln annuity owner be deemed to be a client of FPS. Neither FPS nor any third party involved in, or related to, making or compiling the Index makes any representation regarding the Index, Index information, Index or market performance, annuities generally or the Lincoln annuity in particular, and Lincoln annuities are not sold, sponsored endorsed or promoted by FPS or any other third party involved in, or related to, making or compiling the Index (including the Index calculation agent, as applicable). FPS disclaims all warranties, express or implied, including all warranties of merchantability or fitness for a particular use; does not guarantee the adequacy, accuracy, timeliness, and/or completeness of the Index or any data or communication related thereto; and assumes no liability for errors, omissions, or interruptions of the Fidelity AIMSM Dividend Index.

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 Fact Sheet, or contact your Lincoln representative.

Waiver of Surrender Charges for Nursing Home Confinement Rider and Waiver of Surrender Charges for Terminal Illness Rider (form AE-119 and form AE-170, respectively, and state variations) may not be available in all states.

Nursing Home Rider not available for contracts issued in Massachusetts.

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.