How the Secure Lock+ strategy works

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When faced with volatility and uncertainty, you may be tempted to stray from your long-term investing plan. Knowing you can adjust your strategy in the near term without undermining your long-term plan may help you feel more in control and confident to ride out the ups and downs.

Upon a lock in, the account value of the indexed account is locked in and will be adjusted for withdrawals and any charges. On the next monthly anniversary date, the daily adjustments to the account value of the indexed account will resume, the starting index value to determine the performance at the end of the term is reset and your Crediting Base is reset to the locked in value. If you request a lock in when the indexed account value is below the Indexed Crediting Base, protection levels do not apply and you assume all loss.

The reset crediting strategy rate declared takes into account market pricing factors and may be significantly less than the crediting strategy rate prior to the lock in.

Examples are hypothetical and for illustrative purposes only. They do not reflect a specific indexed account and are not indicative of real results. Indexed accounts are tied to market performance, but they are not actual investments in the stock market. You cannot invest directly in an index.

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

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If you prefer a simple approach to maintaining a balanced portfolio, consider this option. It allows you to keep any growth, up to a performance cap, and have a level of protection to help guard against market losses. Below is an example showing $100,000 invested into the 6-year indexed account with a 20% level of protection.

If you prefer flexibility to reallocate your investment each year, this strategy also has a 1-year term option.
 

Example is hypothetical and for illustrative purposes only. It is not indicative of real results. A new cap is declared for each additional term. The value will grow up to the cap at a rate based on the market index chosen.

Get greater potential returns with the participation rate account

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Perhaps you are willing to take on more risk in exchange for greater potential returns, but you still want some level of protection. With this option, the beginning and ending values of the index are calculated for a percent change at the end of the term. Below is an example showing $100,000 invested into the 3-year account with a 90% participation rate and a 10% level of protection.
 

Example is hypothetical and for illustrative purposes only. It is not indicative of real results. A new performance trigger rate is declared for each additional term.

Have greater predictability with the performance trigger account

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If you value flexibility and predictability, then this option may be right for you. You’ll know what rate you’ll earn in an up or flat market. And, in a down market, you’ll have a level of protection to help guard against market losses. Below are three market scenarios showing results of $100,000 invested in a 1-year performance trigger account with a 7% trigger rate and a 10% level of protection.

Example is hypothetical and for illustrative purposes only. It is not indicative of real results. A new performance trigger rate is declared for each additional term.

How the dual performance trigger option works

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The dual performance trigger rate is credited to your account if the index change is up, flat, or down within the protection level at the end of a term. If the index change is down more than the protection level the dual performance trigger rate is used to offset loss, which may provide a positive return. Let’s see what would happen to $100,000 invested in a 1-year indexed account in different market scenarios.
 

Scenario 1: When the index performance is positive, you earn the dual performance trigger rate.

Scenario 2: When the index performance is zero, you earn the dual performance trigger rate.

Scenario 3: When the index performance is within the protection level, you earn the dual performance trigger rate.

In scenario 4: –12% + 6% + 10% = 4% and in scenario 5: –18% + 6% + 10% = –2%. When the index performance declines past the protection level, you earn the index performance plus the dual performance trigger rate plus the protection level.

Example is hypothetical and for illustrative purposes only. It is not indicative of real results. The example is assuming a 6% dual performance trigger rate. A new dual performance trigger rate is declared for each additional term. Indexed accounts are tied to a market index performance, but they are not an actual investment in the stock market. You cannot invest directly in an index. The chart does not reflect the interim value. A protection level is the amount of loss that Lincoln absorbs. Rates are declared by the issuing company at its discretion. There is risk of loss of principal if negative returns exceed the protection level.

How the Dual15 Plus strategy works

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If the index change is up or flat at the end of the term, you earn the greater of 15% or the index performance up to the performance cap. If the index change is down, 15% is added to offset the loss which may provide a positive return. Let’s see what would happen to $100,000 invested in a 6-year Dual15 Plus indexed account in different market scenarios.
 

Scenario 1: When the index performance exceeds the performance cap, you earn the performance cap rate.

Scenario 2: When the index performance is greater than 15% up to the performance cap, you earn the index performance.

Scenario 3: When the index performance is between zero and 15%, you earn the Dual15 Plus rate.

In scenario 4: –10% + 15% = 5% and in scenario 5: –18% + 15% = –3% When the index performance declines, you earn the index performance plus 15%.

Example is hypothetical and for illustrative purposes only. It is not indicative of real results. The example is assuming a 150% performance cap rate and a Dual15 Plus rate of 15%. A new performance cap rate is declared for each additional term. Indexed accounts are tied to a market index performance, but they are not an actual investment in the stock market. You cannot invest directly in an index. The chart does not reflect the interim value. Rates are declared by the issuing company at its discretion. There is risk of loss of principal if negative returns exceed the protection level.

Lock in market performance with the annual lock account

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This option allows you to lock in the market performance each year. The example below shows $100,000 invested into the 6-year annual lock indexed account with a 10% performance cap and a 10% level of protection. In an up market, you’ll see growth up to the cap. In a down market, you’re protected from the first 10% loss. The indexed interest is determined and locked in each year over a six-year period. The interest is credited to the Lincoln Level Advantage account at the end of the six-year term.
 

Example is hypothetical and for illustrative purposes only. The example assumes the hypothetical performance cap for the 6-year annual lock term is 10% and the protection level selected is 10%. A new cap is declared for each additional term.

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

---

If you prefer a simple approach to maintaining a balanced portfolio, consider this option. It allows you to keep any growth, up to a performance cap, and have a level of protection to help guard against market losses. Below is an example showing $100,000 invested into the 6-year indexed account with a 20% level of protection.

If you prefer flexibility to reallocate your investment each year, this strategy also has a 1-year term option.
 

Example is hypothetical and for illustrative purposes only. It is not indicative of real results. A new cap is declared for each additional term. The value will grow up to the cap at a rate based on the market index chosen.

Get greater potential returns with the participation rate account

---

Perhaps you are willing to take on more risk in exchange for greater potential returns, but you still want some level of protection. With this option, the beginning and ending values of the index are calculated for a percent change at the end of the term. Below is an example showing $100,000 invested into the 3-year account with a 90% participation rate and a 10% level of protection.
 

Example is hypothetical and for illustrative purposes only. It is not indicative of real results. A new performance trigger rate is declared for each additional term.

Have greater predictability with the performance trigger account

---

If you value flexibility and predictability, then this option may be right for you. You’ll know what rate you’ll earn in an up or flat market. And, in a down market, you’ll have a level of protection to help guard against market losses. Below are three market scenarios showing results of $100,000 invested in a 1-year performance trigger account with a 7% trigger rate and a 10% level of protection.

Example is hypothetical and for illustrative purposes only. It is not indicative of real results. A new performance trigger rate is declared for each additional term.

How the dual performance trigger option works

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The dual performance trigger rate is credited to your account if the index change is up, flat, or down within the protection level at the end of a term. If the index change is down more than the protection level the dual performance trigger rate is used to offset loss, which may provide a positive return. Let’s see what would happen to $100,000 invested in a 1-year indexed account in different market scenarios.
 

Scenario 1: When the index performance is positive, you earn the dual performance trigger rate.

Scenario 2: When the index performance is zero, you earn the dual performance trigger rate.

Scenario 3: When the index performance is within the protection level, you earn the dual performance trigger rate.

In scenario 4: –12% + 6% + 10% = 4% and in scenario 5: –18% + 6% + 10% = –2%. When the index performance declines past the protection level, you earn the index performance plus the dual performance trigger rate plus the protection level.

Example is hypothetical and for illustrative purposes only. It is not indicative of real results. The example is assuming a 6% dual performance trigger rate. A new dual performance trigger rate is declared for each additional term. Indexed accounts are tied to a market index performance, but they are not an actual investment in the stock market. You cannot invest directly in an index. The chart does not reflect the interim value. A protection level is the amount of loss that Lincoln absorbs. Rates are declared by the issuing company at its discretion. There is risk of loss of principal if negative returns exceed the protection level.

How the Dual15 Plus strategy works

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If the index change is up or flat at the end of the term, you earn the greater of 15% or the index performance up to the performance cap. If the index change is down, 15% is added to offset the loss which may provide a positive return. Let’s see what would happen to $100,000 invested in a 6-year Dual15 Plus indexed account in different market scenarios.
 

Scenario 1: When the index performance exceeds the performance cap, you earn the performance cap rate.

Scenario 2: When the index performance is greater than 15% up to the performance cap, you earn the index performance.

Scenario 3: When the index performance is between zero and 15%, you earn the Dual15 Plus rate.

In scenario 4: –10% + 15% = 5% and in scenario 5: –18% + 15% = –3% When the index performance declines, you earn the index performance plus 15%.

Example is hypothetical and for illustrative purposes only. It is not indicative of real results. The example is assuming a 150% performance cap rate and a Dual15 Plus rate of 15%. A new performance cap rate is declared for each additional term. Indexed accounts are tied to a market index performance, but they are not an actual investment in the stock market. You cannot invest directly in an index. The chart does not reflect the interim value. Rates are declared by the issuing company at its discretion. There is risk of loss of principal if negative returns exceed the protection level.

Lock in market performance with the annual lock account

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This option allows you to lock in the market performance each year. The example below shows $100,000 invested into the 6-year annual lock indexed account with a 10% performance cap and a 10% level of protection. In an up market, you’ll see growth up to the cap. In a down market, you’re protected from the first 10% loss. The indexed interest is determined and locked in each year over a six-year period. The interest is credited to the Lincoln Level Advantage account at the end of the six-year term.
 

Example is hypothetical and for illustrative purposes only. The example assumes the hypothetical performance cap for the 6-year annual lock term is 10% and the protection level selected is 10%. A new cap is declared for each additional term.