Lincoln InvestmentSolutions SM RIA

This unique platform combines select premier asset management with optional living and death benefits so you can tailor the product to the individual needs of your clients.
   

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Living benefits available with
Lincoln InvestmentSolutionsSM RIA 

For tax-advantaged traditional living benefits and guarantees, Lincoln InvestmentSolutionsSM RIA offers the choice of two living benefit riders for an additional cost – OR – bridge from one to the other when the time is right.

Lincoln Lifetime IncomeSM Advantage 2.0
This optional living benefit rider provides growth, guaranteed lifetime income and a nursing home enhancement with added protections available for your client’s family. 

Guaranteed growth for future income   6% simple step-ups – no matter how the market performs. 
Guaranteed lifetime income 5.60% guaranteed lifetime income at age 65 single, or 5.50% joint at 65 (based on the youngest life).
Joint life option Single and joint life contracts available
Nursing home enhancement The nursing home enhancement increases withdrawals to 10% starting at age 70. 
Cost An additional annual charge of 1.25%, or 1.50% for joint coverage, above standard contract expenses (maximum annual charge of 2.25% single and 2.45% joint).
 Access to i4LIFE® Option to take income using i4LIFE® Advantage Guaranteed Income Benefit

Lincoln Market Select® Advantage
This option provides growth and lifetime income. It’s ideal for clients looking to retire in the next five to 10 years and want guaranteed growth and predictable income in retirement.

Guaranteed growth for future income   6% annual simple step-ups – no matter how the market performs
Guaranteed lifetime income 5.25% guaranteed withdrawals for life, beginning at age 65 (70 for joint life)
Joint life option Single and joint life contracts available
Access to i4LIFE® Ability to transition to i4LIFE® Advantage Select Guaranteed Income Benefit (GIB), providing tax-efficiency for nonqualified money
Cost Additional annual charge of 1.25%, or 1.50% for joint coverage, above standard contract expenses (maximum charge of 2.25% for single, or 2.45% for joint).
Investment requirements 80% equities and 20% bonds

Lincoln Max 6 SelectSM Advantage
Designed to provide higher income in the earlier years of retirement, Lincoln Max 6 SelectSM Advantage is an optional living benefit rider available for an additional charge with a Lincoln variable annuity.

Guaranteed growth for future income   Income Base grows annually at the greater of 6% growth or account value growth.
Guaranteed lifetime income 6.5% income at age 65, 6% for joint life (3% guaranteed income if account value falls to zero). 5.50% income for ages 59 – 64, 5% for joint life (3% guaranteed income if account value falls to zero).
Joint life option Single and joint life contracts available
Investment flexibility and choice Access to a diversified lineup of investment options managed by leading investment managers.
Tax-deferred growth potential Participation in the long-term growth potential of the market. If invested with nonqualified money, savings grow tax deferred, and tax bills are not impacted until a withdrawal is made.
Cost 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 at account value reset).
Investment requirements 80% equities and 20% bonds

i4LIFE® Advantage Select Guaranteed Income Benefit (GIB)
This patented income-distribution system provides lifetime income. It’s ideal for clients who want guaranteed minimum income, control over investment allocations, access to their money and potential for increases in income.
  

Guaranteed lifetime income   Generates income for life
Downside protection  Guaranteed Income Benefit (GIB) guarantees a minimum income amount
Continued growth potential Investment options continue to grow tax-deferred
Tax-efficient income Nonqualified contracts typically pay out higher total after-tax payment compared to a systematic withdrawal because the payment includes a nontaxable return of principal 
Joint life option Single and joint life contracts available
Legacy planning Options for passing income on to future generations without the tax burden often incurred from typical wealth transfers 
Cost  Additional annual charge of 1.35%, or 1.55% for joint coverage, above standard contract expenses (maximum charge of 2.25% for single, or 2.45% for joint).
Investment requirements  i4LIFE Advantage Select GIB does not require a minimum of 20% in fixed income.  

4LATER® Select Advantage
4LATER is a solution that provides guaranteed growth of the Income Base prior to starting a lifetime income stream with i4LIFE® Advantage. 4LATER provides advanced planning opportunities with the ability to leave a lasting legacy for generations.

Guaranteed growth for future income  6% simple growth to the Income Base for the earlier of 10 years or age 85
Ability to lock in growth Ability to lock in market growth to the Income Base through age 85
Access to i4LIFE® Guaranteed ability to transition to i4LIFE® Advantage Select GIB - 5% GIB at age 70 (single)
Cost  1.25% single, 1.50% joint life; above standard contract expenses
Investment requirements  80% equities and 20% bonds

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 an 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.

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 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.