Lincoln Market Select ® Advantage

4.50% lifetime income with investment flexibility for upside potential

Lincoln Market Select®  Advantage1, an optional living benefit rider available for an additional charge with a Lincoln variable annuity, gives investors:

Lifetime income

  • 4.50% guaranteed lifetime income at age 65 single, 4.00% joint (based on youngest life)2
  • Income Base grows annually at the greater of 5% simple or account value growth3
  • Tax-deferral during accumulation for greater growth potential
  • Protection for beneficiaries with a dollar-for-dollar Guarantee of Principal death benefit
  • Option to take income using Lincoln’s patented, tax-efficient solution: i4LIFE® Advantage Select Guaranteed Income Benefit

Investment flexibility

  • Build up to a 80/20 equity/fixed income portfolio
  • Choose from individual funds or check the box options from leading asset managers
  • Active and passive options are available

This chart shows how Lincoln Market Select® Advantage works—providing guaranteed growth and protected income for life.

(3-10 years) is the time to let money grow for your future. An annuity offers tax-deferred growth.

(20-30+ years) starts when you begin taking income. You can enjoy more predictability with a protected monthly income from an annuity.

This hypothetical example does not reflect a specific investment. The Income Base is used to calculate the guaranteed income amount. The Income Base equals the account value at election; however, while the account value fluctuates with the market, the Income Base grows with annual lock-in opportunities and is reduced by excess withdrawals.

Lincoln Market Select® Advantage is available with Lincoln ChoicePlusSM and American Legacy® variable annuities. If you have questions or for more information about the Lincoln Market Select® Advantage rider, contact an advisor.

A variable annuity is a long-term investment product that offers tax-deferred growth, access to leading investment managers and a lifetime income stream. 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; and there are costs associated, such as mortality and expenses, administrative and advisory fees. All guarantees, including those for optional features, are subject to the claims-paying ability of the issuer. Limitations and conditions apply.