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Lincoln Level Advantage®
indexed variable annuity

Custom-build a portfolio to illustrate current rates in different market scenarios. Save it all in a personalized report.

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Barron's 100

BRINGING PROTECTION AND GROWTH INTO BALANCE CAN BE A CHALLENGE—BUT IT'S POSSIBLE

With Lincoln Level Advantage, you can build a portfolio that helps you stay invested for growth while reducing risk with levels of protection during downturns. When it comes to preparing for market ups and downs, it’s about finding the balance that’s right for you:

  • STAY INVESTED

    Growth opportunities with less exposure to market fluctuations

  • REDUCE RISK

    Indexed accounts offer levels of protection to help guard against downturns

  • PAY LESS

    No explicit product charges on money invested in indexed accounts

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It’s important to find the right balance of protection and growth opportunities to help keep your retirement plans on track. And it’s possible with Lincoln Level Advantage®.

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PREPARE FOR MARKET UPS AND DOWNS

Nobody wants to learn that they’ve lost money in the stock market. But if you’re close to retirement, a market decline could put significant strain on your portfolio. This may be an important time for you to add a level of protection from a market downturn.

  • Since 1929, we’ve seen 25 bear markets1
     

  • Stocks lose more than 35% on average in a bear market2
     

  • Stocks gain 112% on average during a bull market3
     

WITH EQUITY MARKETS YOU STAND A LOT TO GAIN – AND LOSE

S&P 500 Index, 12/31/96 — 9/30/21

Chart showing performance of S&P 500 Index from 12/31/96 to 9/30/21

Source: Compustat, FactSet, Federal Reserve, Standard & Poor’s, J.P. Morgan Asset Management.

1 Bloomberg, Lincoln Financial Group. Bear markets are defined as instances of at least a 20% market decline.
2 Invesco, “Bull and Bear Markets — Historical Trends and Portfolio Impact,” May 2019.
3 Ned Davis Research as of 12/31/19

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For help understanding the market impact and Lincoln Level Advantage, download the product guide.

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INDEXED ACCOUNTS— FOR GROWTH POTENTIAL WITH DOWNSIDE PROTECTION

Lincoln Level Advantage can be customized to fit a broad range of investment objectives and investing styles. You can allocate to one or any combination of indexed accounts.
 

WHICH OPTIONS WORK FOR YOU?

  • Man talking on phone in his home

    Bring protection and growth into balance
    with the 1-year and 6-year indexed account
     

    See how it works
  • Couple laughing on boat

    Get greater potential returns 
    with the participation rate account
     

    See how it works
  • Woman smiling and looking into distance

    Lock in market performance 
    with the annual lock account
     

    See how it works
  • Woman holding tablet and thinking

    Have greater predictability 
    with the performance trigger account
     

    See how it works
  • Two men sit on couch and look at digital tablet

    A different approach to capturing growth 
    with the spread account
     

    See how it works

   

Important information

 

The indices used are price indices and do not reflect dividends paid on the underlying stocks. The level of the index may reflect the deduction of an annual fee. See prospectus for details. One cannot invest directly into an index.

 

Lincoln Level Advantage® indexed variable annuity is a long-term investment product designed for retirement purposes. There are no explicit fees associated with the indexed-linked account options available. There are associated fees with the variable annuity subaccounts, which include a product charge, and administrative fees. Annuities are subject to market risk including loss of principal. Withdrawals are subject to ordinary income tax treatment and, if taken prior to age 59½ in nonqualified contracts, may be subject to an additional 10% federal tax.

 

The risk of loss occurs each time you move into a new indexed account after the end of an indexed term. If the negative return is in excess of the protection level selected, there is a risk of loss of principal. Protection levels that vary based on the index and term selected are subject to change and may not be available with every option.

 

Investors are advised to consider the investment objectives, risks, and charges and expenses of the 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 for free prospectuses. Read them carefully before investing or sending money. Products and features are subject to state availability.

 

All contract and rider guarantees, including those for optional benefits, payment of the amount from the indexed accounts, or annuity payout rates, are backed by the claims-paying ability of the issuing insurance company.  They are not subject to 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.