Lincoln Core Income^SM, built with iShares Suite

Reliable income you can count on

Like many investors approaching retirement, you’re probably thinking about how you’ll maintain a steady stream of income once you stop working. While diversifying investments is important for growth, so is diversifying your income for cash flow.

Adding Lincoln Core Income^SM, built with iShares to your overall income strategy will give you a known source of reliable income for life that increases with a 3% Cost of Living Adjustment (COLA) each year to help maintain your lifestyle.

Cost effective

Lifetime income solution built with low cost iShares ETFs portfolios

Guaranteed lifetime income

4%, guaranteed

A circle with an arrow pointing upward. Beneath it reads, Income increases 2% every year

Rising income for life

Income increases 3% every year

Access to your money

No surrender charge

Performance information

Review performance information for Nationwide version of Lincoln Core Income^SM.

All guarantees, including those for optional features, are subject to the claims-paying ability of the issuer.

Bringing ETFs and lifetime income together

Exchange-traded funds (ETFs) made investing simple, cost-efficient and transparent for investors. As a result, their popularity has more than tripled over the past five years. Lincoln Core Income^SM is built exclusively with ETFs, allowing investors who like the benefits of ETFs to pair them with a variable annuity that offers guaranteed lifetime income.

Lincoln iShares ETFs portfolios range in fees from 0.28% to 0.29% as of January 31, 2017.

The use of low cost /cost effective is based on a comparison by Morningstar, as of 5/31/2017, between Lincoln iShares ETFs portfolios which range in fees from 0.26% to 0.29% as of May 1, 2018 and Morningstar VA sub account universe open to new assets (current) - average annual net expense ratio for open to new assets 0.76%.

Lincoln Core Income^SMis available for 1.60%, which includes the Guarantee of Principal death benefit, 0.75%, and the rider charge of 0.85% (single or joint). The maximum annual rider charge is 1.50%. The rider charge may not change until the earlier of five years or the first Core Income Payment. Charges and fees could change in the future.

Products and features are subject to state availability.

New York product

Lincoln Core Income^SM, built with iShares (NY)

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. All guarantees, including those for optional features, are subject to the claims-paying ability of the issuer. Limitations and conditions apply.

Creating a known source of lifetime income

Unlike the income you may receive from your workplace retirement plan or other investments, Lincoln Core Income^SM gives you the ability to know exactly how much you’ll receive for as long as you live. The income is guaranteed to go up every year regardless of performance, thanks to the 3% COLA.

Income in action

Client, 55 years old | $100,000 initial investment | Waits 10 years before taking income

The income at 65 is based on 4% of your account value¹ or 4% of the initial investment growing at the 3% COLA each year, whichever is greater. No account value growth is assumed for this illustration, resulting in a starting income amount of $5,376.²

Income payments increase every year by 3% for life.

Your beneficiaries are also covered thanks to an included Guarantee of Principal death benefit.³

Please log in or register to get more information.

¹Core Income Payments (CIP) are available at age 60, based on the youngest spouse for the joint life option. If income begins between ages 60 – 64, the CIP is reduced by 25%. For joint life, the CIP is reduced by 25% upon the death of the first spouse. Withdrawals prior to age 60 will reduce the CIP proportionally, see prospectus for details.
²$5,376 is net of all applicable max fees and charges.
³CIP and allowable withdrawals equal to 4% of account value on the most recent contract anniversary reduce the death benefit dollar-for-dollar. Amounts in excess would reduce it proportionally.

Introducing iRetire^®

It's time to reframe the retirement problem. iRetire^® helps you focus on the number that really matters: The income you could have each year in retirement.

To learn more, reach out to your advisor to create an iRetire^® plan to show how Lincoln Core Income^SM , built with iShares can help provide more certainty in reaching your retirement income goals.

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. The under 3.0% cost will reflect contract charges and fees after contractual waivers. Charges and fees could change in the future. Optional features will be 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 prospectuses for the variable annuity and its underlying investment options contain this and other important information. Please call 888‑868‑2583 for free prospectuses. Read them carefully before investing or sending money. Products and features are subject to state availability.

Lincoln variable annuities (contract form 30070-A) are issued by The Lincoln National Life Insurance Company, Fort Wayne, IN, 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 (contract form 30070-A-NY) 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.

BlackRock Investment Management, LLC ("BlackRock") acts as the sub-adviser to the Lincoln iShares^® Global Growth Allocation Fund, Lincoln iShares^® U.S. Moderate Allocation Fund, and Lincoln iShares^®Fixed Income Allocation Fund. BlackRock is not affiliated with Lincoln Financial Group and its affiliates.

For general use with the public.

Lincoln Core IncomeSM, built with iShares Suite