American Legacy^® Suite

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Prepare for retirement and help meet investors income needs with an American Legacy^® variable annuity, an investment vehicle designed for long-term savings.

This type of variable annuity offers several features and options to help investors build the retirement plan that works best for them.

American Legacy^® variable annuities offer the following benefits.

Options for growth potential

Variable annuities have the potential to help investors meet their financial goals with options to customize retirement income and investment strategies. American Legacy^® variable annuities offer the full lineup of funds in American Funds Insurance Series.

Guaranteed income for life

Investors choose how and when they want to receive income for life. Review our optional income distribution features for American Legacy^® variable annuities. (These optional features may not be available on all products.)

Tax deferral

Assets that accumulate tax-deferred can offer greater growth potential over the long term. All withdrawals are subject to ordinary income taxes and, if taken before age 591/2, may be subject to an additional 10% federal tax.

Control and flexibility

Align your contract with the investment options, withdrawals/income, optional benefits and level of risk.

Protection for your loved ones

Investors can select the level of protection for their beneficiaries. Multiple death benefit options are available.

Contact a financial professional to determine if an American Legacy^® variable annuity is right for you.

Variable annuities are long-term contracts designed for retirement purposes. Costs for a variable annuity contract include the mortality and expense risk charge, annual contract and administrative fees and charges for the underlying funding options. A surrender charge may also apply. Election of optional features may be at an additional cost. These additional charges and expenses should be considered carefully before purchasing. The value of the annuity will fluctuate and when withdrawn, it may be worth more or less than the original premiums paid.

Available products

New York products

Our line of products exclusively available to residents of New York.

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.

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 59^½, 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 prospectuses 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.

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

All features may not be available in all states.

There is no additional tax-deferral benefit for an annuity contract purchased in an IRA or other tax-qualified plan.

Lincoln Financial Group is the marketing name for Lincoln National Corporation and its affiliates. Affiliates are separately responsible for their own financial and contractual obligations.

American Legacy® Suite