Lincoln Max 6 SelectSM Advantage

6% Growth, 6.5% Initial Income

Lincoln Max 6 SelectSM Advantage, an optional living benefit rider available for an additional charge with a Lincoln variable annuity, gives investors:

INCOME

  • Income Base grows annually at the greater of 6% growth or account value growth
  • 6.5% income at age 65, 6% for joint life (3% guaranteed income if account value falls to zero)1
  • 5.5% income for ages 59 – 64, 5% for joint life (3% guaranteed income if account value falls to zero)1
  • Protection for beneficiaries with a dollar-for-dollar Guarantee of Principal death benefit2
  • Tax-deferral during accumulation for greater growth potential

INVESTMENT FLEXIBILITY

  • Build up to an 80/20 equity/fixed income portfolio
  • Active and passive options are available
  • Choose from 51 individual funds, 25 check-the-box options, or five asset allocation models; all from leading asset managers

6% growth, 6.5% initial income with Lincoln Max 6 Select Advantage

 

1Based on the age of the youngest life. 
2Guaranteed based on the claims paying ability of the issuing insurance company.

Lincoln Max 6 SelectSM Advantage is available for an additional annual charge of 1.25% above standard contract expenses, or 1.50% for joint life (maximum annual charge is 2.25% single life or 2.45% joint life). Investment requirements apply. As the Income Base increases, the cost will increase proportionately.

If a withdrawal is taken, the 6% enhancement is not available that year. The 6% annual growth will continue for the earlier of 10 years or through age 85 (based on the oldest life for joint) with the 10 year period restarting upon an account value reset.

Variable annuities are long-term investment products that offer a lifetime income stream, access to leading investment managers, options for guaranteed growth and income (available for an additional charge), and death benefit protection.

To decide if a variable annuity is right for you, consider that its value will fluctuate; it’s subject to investment risk and possible loss of principal; and there are costs associated such as mortality and expenses, administrative and advisory fees.

Lincoln Financial Group® affiliates, their distributors, and their respective employees, representatives, and/or insurance agents do not provide tax, accounting, or legal advice. 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. 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 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.

Products and features are subject to state availability.

Lincoln variable annuities and American Legacy® variable annuities 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.

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.

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