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Lincoln Financial Group

A Lincoln OptiPoint® fixed indexed annuity paired with our optional income rider, Lincoln Lifetime IncomeSM Edge, can help grow and protect your clients savings while increasing their retirement income potential.

Guaranteed growth

5% compounded annual enhancement, regardless of how the market performs (for the earlier of 10 years or age 85).

If your client’s account value is up more than 5%, their Income Base will step up and lock in that higher account value for that year.1

Income generated for a lifetime

5.00% withdrawals starting at age 65 with the potential to grow to 7.85% the longer the client waits to start income. 5.25% withdrawals begin at age 75 on joint contracts.

Nursing home enhancement

The nursing home enhancement increases the withdrawal rate to 10% for qualified nursing home expenses after age 65.2

The table below shows the percentages used to calculate the Lifetime Benefit Amount for Lincoln OptiPoint® fixed indexed annuities.3

Number of complete years before income payments start

Age when income payments begin

Less than 5 years

At least 5, but less than 10 years

At least 10 years

50 – 54

3.50%

4.00%

4.35%

55 – 59

4.00%

4.50%

4.85%

60 – 64

4.50%

5.00%

5.35%

65 – 69

5.00%

5.50%

5.85%

70 – 74

5.50%

6.00%

6.35%

75 – 79

6.00%

6.50%

6.85%

80 – 84

6.50%

7.00%

7.35%

85 – 89

7.00%

7.50%

7.85%

The longer you wait to begin withdrawals, the more income you’re guaranteed.

To learn more about Lincoln Lifetime IncomeSM Edge contact

Stacy Blake
Internal Wholesaler-Fixed
336-691-4954
Stacy.Blake@LFD.com

Lincoln Lifetime IncomeSM Edge (form AE-245 or state variations) is available for an additional charge of 0.95% (1.00% maximum). The minimum issue age for Lincoln Lifetime IncomeSM Edge is age 35, and the minimum premium required to purchase this feature is $25,000.

Guarantees, including those for optional features, are subject to the claims-paying ability of The Lincoln National Life Insurance Company.

1 The Income Base is not available as a lump sum withdrawal, death benefit, or annuitization. The Rider Charge can change if a step up occurs after the first 5 Rider Years.

2 Not available in all states.

3 If a withdrawal is taken before starting lifetime income payments, your income bonus rate will be based on when this withdrawal was taken and not when the income payments start.Payment percentages shown in chart reflect a single life. For joint lives, reduce the payment percentages shown by 0.75%.

This material was prepared to support the promotion and marketing of insurance products. Lincoln Financial Group affiliates, their distributors, and their respective employees, representatives, and/or insurance agents do not provide tax, accounting, or legal advice. Any tax statements contained herein were not intended or written to be used, and cannot be used, for the purpose of avoiding U.S. federal, state, or local tax penalties. Please consult your own independent advisor as to any tax, accounting, or legal statements made herein.

A fixed indexed annuity is intended for retirement or other long-term needs. It is intended for a person who has sufficient cash or other liquid assets for living expenses and other unexpected emergencies, such as medical expenses. A fixed indexed annuity is not a registered security or stock market investment and does not directly participate in any stock or equity investments, or index. The index used is a price index and does not reflect dividends paid on the underlying stocks.

Lincoln OptiPoint® fixed indexed annuities (contract form 06-610 and state variations) 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. Contractual obligations are subject to the claims-paying ability of The Lincoln National Life Insurance Company.

Contract may be referred to as "policy" or "certificate" in certain states (certificate may not be available in all states). The certificate is a group annuity certificate issued under a group annuity contract issued by The Lincoln National Life Insurance Company to a group annuity trust.

The exact terms of the annuity are contained in the contracts and any attached riders, endorsements and amendments, which will control the issuing company’s contractual obligations. For more information about the annuity, please also read the Client Guide, Disclosure Statement and Facts At-A-Glance, or contact your representative.

Income taxes are due upon withdrawal and if withdrawn before age 59½, an additional 10% federal tax may apply. Withdrawals and surrenders may be subject to surrender charges and a Market Value Adjustment.

There is no additional tax benefit for contracts purchased in an IRA or other tax qualified plan, since these are already afforded tax-deferred status.

Product and features are subject to state availability. Limitations and exclusions may apply. Not available in New York.

Lincoln Lifetime IncomeSM Edge is an optional Guaranteed Lifetime Withdrawal Benefit (GLWB) rider (form AE-245 or state variations) available for an additional 0.95% charge (1.00% maximum) and subject to rider issue age limits, which may differ from the contract issue age limits. May not be available in all states. Limitations and exclusions may apply.

Not a deposit Not FDIC-insured Not guaranteed by any bank or savings association May go down in value
Not insured by any federal government agency

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.

LCN-924528-051314 FA-GEN-14-0013_FA-EDO5-eML001_Z01

©2014 Lincoln National Corporation

LincolnFinancial.com

Lincoln Financial Group
150 N. Radnor-Chester Road
Radnor, PA 19087
877-ASK-LINCOLN
877-275-5462

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