Lincoln Investor Advantage® Suite

Create a portfolio built around what matters most to you.

A straightforward investing strategy

Learn about the benefits of Lincoln Investor Advantage®.

Favorable tax treatment

Minimize taxes to maximize your investment returns.

Investment flexibility and choice

Build a portfolio that fits your individual goals and investment preferences.

Income and legacy options

Plan tax-smart retirement income and a legacy for your loved ones.

Contact a financial professional to determine if a Lincoln Investor Advantage® variable annuity is right for you.

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, and it is subject to investment risk and possible loss of principal. In addition, there are associated costs, such as mortality and expenses, and 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.

Available products

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.

Lincoln Financial Group is the marketing name for Lincoln National Corporation and its affiliates. Affiliates are separately responsible for their own financial and contractual obligations.

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 variable annuity prospectus contains this and other important information about the variable annuity and its underlying investment options. Please call 888-868-2583 for a free prospectus. Read it carefully before investing or sending money. Products and features are subject to state availability.

Lincoln Investor Advantage® variable annuities (contract form 30070-A, 30070-B, and state variations) 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 forms 30070-A-NY and 30070-B-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.

All features may not be available in all states.

Some distributors require that, at the annuitant's age 95, the contract must annuitize. At annuitization, the contract owner will receive benefit payments under the base contract, and all such payments will be treated as annuity payments. Please contact Lincoln prior to the annuity date/contract maturity date to discuss options, including changing the annuitant.

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

i4LIFE® Advantage is a patented income distribution method that provides you with control over your investment allocations, access to the account value, and tax efficiency for nonqualified contracts. When you are ready to transition from saving for retirement to taking retirement income payments, i4LIFE® is an option available through Lincoln Investor Advantage® for an additional annual charge of 0.40%, above standard contract expenses.

With other Lincoln variable annuities, you can elect the Guaranteed Income Benefit (GIB) for an additional cost above the i4LIFE® Advantage and standard contract charges. The GIB ensures that income payments will never be less than a minimum payout floor regardless of the actual investment performance of your contract. The GIB is not available on Lincoln Investor Advantage® contracts.