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®.
Use the tool to see how your choice of protection, growth strategies and indices respond in different market scenarios. To view your personalized report, click on the Save a PDF of your results link.See it in action
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®.
Lincoln Level Advantage 2SM index-linked annuity is a long-term investment product designed for retirement purposes. There are no explicit fees associated with the indexed-linked account options available. 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.
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. 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.
Methodology and important information
Introduction
The values shown are hypothetical, for illustrative purposes only, and are intended to show the mechanics of the indexed account options available with Lincoln Level Advantage 2SM index-linked annuity.
An 'uncapped' rate is reflected on confirmations and quarterly statements as a cap of 999%.
Methodology
Scenario returns are based on the historical returns of the chosen index. It's important to note that other domestic, foreign or world-comprised indices may have different or opposite return characteristics during these same scenario time periods.
Historical performance is not indicative of future results. The tool presents a limited range of historical outcomes and the graphs shown are for illustrative purposes only. The examples are intended to show the mechanics of the indexed account options available with Lincoln Level Advantage 2SM index-linked annuity.
Crediting strategies
Five crediting strategies are offered across the 1-year, 3-year, 6-year and 6-year annual lock terms. They are performance cap, performance trigger, participation rate, dual performance trigger and Dual15 Plus strategies.
For performance cap strategies, the account value will grow subject to any positive percentage change to the cap at a rate based on the market index chosen.
For performance trigger strategies, the account value will grow by the performance trigger rate for any positive or flat change in the market index chosen.
For participation rate strategies, the account value will grow by multiplying the participation rate to any positive percentage change based on the market index chosen.
For dual performance trigger strategies, 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.
For Dual15 Plus strategies, if the index change is up or flat you earn the greater of 15% or the index return up to the cap.
Protection options
Protection level is the percentage loss that Lincoln will absorb from a market downturn. If a market index drop is in excess of the protection level, there is the risk of loss of principal. Not all protection levels are available with all term options.
For dual performance trigger strategies, 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. For Dual15 Plus strategies, if the index return is down, 15% is added to the index loss which may provide a positive return.
Indexed accounts are tied to market performance, but they are not an actual investment in the stock market. Additionally, there is risk of loss of principal if negative returns exceed the selected protection level. Gains or losses are assessed at the end of each indexed account term. There is also a risk of loss upon an early withdrawal.
Indexed-linked annuity products are complex insurance and the investment vehicles and are subject to surrender charges for early withdrawals. Please reference the prospectus for information about the levels of protection available and other importance product information.
Market Scenarios
Market scenarios have been created in order to demonstrate the mechanics of the with Lincoln Level Advantage 2SM index-linked annuity.
Down Market — The down market illustrates the following S&P 500® Price Index returns: 1-year term period 01/01/2002 – 12/31/2002; 3-year term period 01/01/2000 – 12/31/2002; 6-year term period 01/01/2000 – 12/31/2005.
Fluctuating Market — The fluctuating market illustrates the following S&P 500® Price Index returns: 1-year term period 01/01/2011 – 12/31/2011; 3-year term period 01/01/2002 – 12/31/2004; 6-year term period 01/01/1999 – 12/31/2004.
Up Market — The up market illustrates the following S&P 500® Price Index returns: 1-year term period 01/01/2016 – 12/31/2016; 3-year term period 01/01/2014 – 12/31/2016; 6-year term period 01/01/2011– 12/31/2016.
Recent Market — The recent market illustrates the following S&P 500® Price Index returns: 1-year term period 12/31/2022 – 12/31/2023; 3-year term period 12/31/2020 – 12/31/2023; 6-year and 6-year annual lock term period 12/31/2017 – 12/31/2023.
Index/ETF Options
The indices or ETFs used are price return 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. The indices and ETFs do not represent a direct investment in the index or ETF
The S&P 500® Price Return Index tracks the stock performance of 500 large U.S. companies. This is a product of S&P Dow Jones Indices LLC (“SPDJI”), and has been licensed for use by The Lincoln National Life Insurance Company.
Standard & Poor's, S&P and S&P 500® are registered trademarks of Standard & Poor's Financial Services LLC (“S&P”); Dow Jones is a registered trademark of Dow Jones Trademark Holdings LLC (“Dow Jones”); and these trademarks have been licensed for use by SPDJI and sublicensed for certain purposes by The Lincoln National Life Insurance Company. The Lincoln National Life Insurance Company's product is not sponsored, endorsed, sold or promoted by SPDJI, Dow Jones, S&P, their respective affiliates, and none of such parties make any representation regarding the advisability of investing in such products nor do they have any liability for any errors, omissions, or interruptions of the S&P 500® Index.
The Russell 2000 Price Return Index measures the stock performance of 2,000 small U.S. companies. The Russell 2000 Index (the “Index”) is a trademark of Frank Russell Company (“Russell”) and has been licensed for use by The Lincoln National Life Insurance Company. Lincoln Level Advantage 2SM index-linked annuity is not in any way sponsored, endorsed, sold or promoted by Russell or the London Stock Exchange Group companies (“LSEG”) (together the “Licensor Parties”) and none of the Licensor Parties make any claim, prediction, warranty or representation whatsoever, expressly or impliedly, either as to (i) the results to be obtained from the use of the Index, (ii) the figure at which the Index is said to stand at any particular time on any particular day or otherwise, or (iii) the suitability of the Index for the purpose to which it is being put in connection with the Lincoln Level Advantage 2SM index-linked annuity. None of the Licensor Parties have provided or will provide any financial or investment advice or recommendation in relation to the Index to The Lincoln National Life Insurance Company or to its clients. The Index is calculated by Russell or its agent. None of the Licensor Parties shall be (a) liable (whether in negligence or otherwise) to any person for any error in the Index or (b) under any obligation to advise any person of any error therein.
This report contains information (the “Information”) sourced from MSCI Inc., its affiliates or information providers (the “MSCI Parties”) and may have been used to calculate scores, ratings or other indicators. The Information is for internal use only, and may not be reproduced/redisseminated in any form, or used as a basis for or a component of any financial instruments or products or indices. The MSCI Parties do not warrant or guarantee the originality, accuracy and/or completeness of any data or information herein and expressly disclaim all express or implied warranties, including of merchantability and fitness for a particular purpose. The Information is not intended to constitute investment advice or a recommendation to make (or refrain from making) any investment decision and may not be related on as such, nor should it be taken as an indication or guarantee of any future performance, analysis, forecast or prediction. None of the MSCI Parties shall have any liability for any errors or omissions in connection with any data or Information herein, or any liability for any direct, indirect, special, punitive, consequential or any other damages (including lost profits) even if notified of the possibility of such damages.
The MSCI EAFE Price Return Index follows the performance of large and mid-cap securities across 21 developed markets, including countries in Europe, Australasia and the Far East, excluding the US and Canada. The securities referred to herein are not sponsored, endorsed or promoted by MSCI, and MSCI bears no liability with respect to any such funds or securities, or any index on which such securities are based. The prospectus contains a more detailed description of the limited relationship MSCI has with Lincoln Financial Group and any related funds.
The Capital Strength Net Fee Index measures 50 well-capitalized companies with strong market positions based on strong balance sheets, high liquidity, earnings growth and record of financial strength and profit growth with lower volatility. The securities referred to herein are not sponsored, endorsed or promoted by NASDAQ, and NASDAQ bears no liability with respect to any such funds or securities, or any index on which such securities are based.
Nasdaq® and the Capital Strength Net Fee IndexSM are registered trademarks of NASDAQ, Inc. (which with its affiliates is referred to as the “Corporations”) and are licensed for use by The Lincoln National Life Insurance Company. The Product(s) have not been passed on by the Corporations as to their legality or suitability. The Product(s) are not issued, endorsed, sold, or promoted by the Corporations. THE CORPORATIONS MAKE NO WARRANTIES AND BEAR NO LIABILITY WITH RESPECT TO THE PRODUCT(S).
The First Trust American Leadership Index™ (“FTIS Index”) is a product of and owned by FT Indexing Solutions LLC (“FTIS”). FIRST TRUST® and FIRST TRUST AMERICAN LEADERSHIP INDEX™ are trademarks of First Trust Portfolios L.P. (collectively, with FTIS and their respective affiliates, “First Trust”). The foregoing index and trademarks have been licensed for use for certain purposes by Licensee in connection with the Product.
The Dow Jones Internet Composite Index™ (“Dow Index”) is a product of S&P Dow Jones Indices LLC or its affiliates (“SPDJI”) and has been licensed for use by FTIS and Licensee. S&P® is a trademark of Standard & Poor's Financial Service LLC. DOW JONES® and DOW JONES INTERNET COMPOSITE INDEX are trademarks of Dow Jones Trademark Holdings LLC (“Dow Jones”). The foregoing trademarks have been licensed for use by SPDJI and have been sublicensed for use for certain purposes by FTIS and Licensee in connection with the FTIS Index and the Product.
The Nasdaq U.S. Rising Dividend Achievers Index™ and Nasdaq Technology Dividend Index™ are products of Nasdaq, Inc. (which with its affiliates is referred to as the “Nasdaq”). NASDAQ®, NASDAQ U.S. RISING DIVIDEND ACHIEVERS INDEX, and NASDAQ TECHNOLOGY DIVIDEND INDEX are trademarks of Nasdaq. The foregoing indices (collectively, the “Nasdaq Indices”) and trademarks have been licensed for use for certain purposes by FTIS and Licensee in connection with the FTIS Index and Product.
The Nasdaq Riskalyze U.S. Large Cap Select Dividend Index™ (“Riskalyze Index”) is a product of Riskalyze, Inc. (“Riskalyze”). RISKALYZE® and NASDAQ RISKALYZE U.S. LARGE CAP SELECT DIVIDEND INDEX are trademarks of Riskalyze. NASDAQ® is a trademark of Nasdaq, Inc. The foregoing index and trademarks have been licensed for use for certain purposes by FTIS and Licensee in connection with the FTIS Index and the Product.
American Funds Distributors, Inc. is the distributor for Capital Group Global Growth Equity ETF (CGGO) and Capital Group Growth ETF (CGGR). Capital Group exchange-traded funds (ETFs) are actively managed and do not seek to replicate a specific index. ETF shares are bought and sold through an exchange at the then current market price, not net asset value (NAV), and are not individually redeemed from the fund. Shares may trade at a premium or discount to their NAV when traded on an exchange. There can be no guarantee that an active market for ETFs will develop or be maintained, or that the ETF’s listing will continue or remain unchanged. All Capital Group trademarks mentioned are owned by The Capital Group Companies, Inc., an affiliated company or fund. Capital Group makes no representations or warranties, express or implied, to the owners of any products offered by The Lincoln National Life Insurance Company (Lincoln) or any member of the public regarding the advisability of purchasing any product or service offered by Lincoln or the results to be obtained from any product or service offered by Lincoln. Products offered by Lincoln are not sponsored, endorsed or sold by Capital Group, and purchasers of such products do not acquire any interest in CGGO or CGGR nor enter into any relationship with Capital Group. Capital Group has no obligation or liability for any errors, omissions, interruptions or use of CGGO or CGGR or any data related thereto, or in connection with the operation, marketing, trading or sale of any product or service offered by Lincoln.
The Product is not issued, sponsored, endorsed, sold, recommended, or promoted by First Trust, SPDJI, Dow Jones, Nasdaq, Riskalyze, or their respective affiliates (collectively, the “Companies”). The Companies do not make any representation regarding the advisability of investing in the Product or products based on the FTIS Index, Dow Index, Nasdaq Indices, or Riskalyze Index, do not make any warranties or bear any liability with respect to such products, and do not make any warranties or bear any liability with respect to the Product or another party's index.
The Product referred to herein is not sponsored, endorsed, or promoted by MSCI, and MSCI bears no liability with respect to any such Product or any index on which such Product is based. The prospectus contains a more detailed description of the limited relationship MSCI has with The Lincoln National Life Insurance Company and any related funds.
Important information
This material is authorized for use only when preceded or accompanied by a prospectus, which describes investment objectives, risk factors, fees and charges that may apply as well as other important information. Please read the prospectus carefully before you invest or send money. The prospectus can be obtained by calling 888- 868-2583.
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.
Lincoln Level Advantage 2SM index-linked annuity is a long-term investment product designed for retirement purposes. There are no explicit fees associated with the index-linked account options available. 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.
Index-linked annuity products are complex insurance and investment vehicles. Please reference the prospectus for information about the levels of protection available and other important product information. Any distribution or transfer from an indexed account (other than on the term end date) is based on the interim value of each indexed segment. This value is based on a formula and may not correspond to the current performance of the index you selected. Any distribution or transfer during a term will have a negative impact on the value at the end of the term. This reduction could be larger than the dollar amount of the distribution or transfer. See prospectus for details.
The risk of loss occurs each time you move into a new indexed account. 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, term, and crediting strategy selected are subject to change and may not be available with every option.
Guarantee of Principal (also known as return of principal, or ROP) death benefit is available for an additional charge of 1% for clients ages 76-85 at issue, for clients ages 0-75 at issue, there is no fee. Adjusted performance cap, participation, and performance trigger will apply to indexed accounts.
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.
Lincoln Level Advantage 2SM index-linked annuities (contract form 24-50090 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.
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 backed by any selling entity other than the issuing company affiliates, and none makes any representations or guarantees regarding the claims-paying ability of the issuer.
This product and the components and features contained within are not available in all states or firms. Please reach out to your registered representative for more details on state approvals and firm guidelines.
There is no additional tax-deferral benefit for an annuity contract purchased in an IRA or other tax-qualified plan.
Not available in New York.
For use with the general public.
LCN-6476997-031324
Methodology and important information
Introduction
The values shown are hypothetical, for illustrative purposes only, and are intended to show the mechanics of the indexed account options available with Lincoln Level Advantage® indexed variable annuity.
An 'uncapped' rate is reflected on confirmations and quarterly statements as a cap of 999%.
Methodology
Scenario returns are based on the historical returns of the chosen index. It's important to note that other domestic, foreign or world-comprised indices may have different or opposite return characteristics during these same scenario time periods.
Historical performance is not indicative of future results. The tool presents a limited range of historical outcomes and the graphs shown are for illustrative purposes only. The examples are intended to show the mechanics of the indexed account options available with Lincoln Level Advantage® indexed variable annuity.
Crediting strategies
Six crediting strategies are offered across the 1-year, 3-year, 6-year and 6-year annual lock terms. They are performance cap, performance trigger, spread, participation rate, dual performance trigger and Dual15 Plus strategies.
For performance cap strategies, the account value will grow subject to any positive percentage change to the cap at a rate based on the market index chosen.
For performance trigger strategies, the account value will grow by the performance trigger rate for any positive or flat change in the market index chosen.
For participation rate strategies, the account value will grow by multiplying the participation rate to any positive percentage change based on the market index chosen.
For spread rate strategies, the account will begin earning after performance exceeds the spread. At the end of the term, the account is credited the index performance minus the spread rate.
For dual performance trigger strategies, 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.
For Dual15 Plus strategies, if the index change is up or flat you earn the greater of 15% or the index return up to the cap.
Protection options
You can select from a protection level and floor protection. `Protection level is the percentage loss that Lincoln will absorb from a market downturn. If a market index drop is in excess of the protection level, there is the risk of loss of principal. Not all protection levels are available with all term options.
For dual performance trigger strategies, 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.
For Dual15 Plus strategies, if the index return is down, 15% is added to the index loss which may provide a positive return.
Indexed accounts are tied to market performance, but they are not an actual investment in the stock market. Additionally, there is risk of loss of principal if negative returns exceed the selected protection level. Gains or losses are assessed at the end of each indexed account term. There is also a risk of loss upon an early withdrawal.
Indexed-linked variable annuity products are complex insurance and the investment vehicles and are subject to surrender charges for early withdrawals. Please reference the prospectus for information about the levels of protection available and other importance product information.
Market Scenarios
Market scenarios have been created in order to demonstrate the mechanics of the with Lincoln Level Advantage® indexed variable annuity.
Down Market — The down market illustrates the following S&P 500® Price Index returns: 1-year term period 01/01/2002 – 12/31/2002; 3-year term period 01/01/2000 – 12/31/2002; 6-year and 6-year annual lock term period 01/01/2000 – 12/31/2005.
Fluctuating Market — The fluctuating market illustrates the following S&P 500® Price Index returns: 1-year term period 01/01/2011 – 12/31/2011; 3-year term period 01/01/2002 – 12/31/2004; 6-year and 6-year annual lock term period 01/01/1999 – 12/31/2004.
Up Market — The up market illustrates the following S&P 500® Price Index returns: 1-year term period 01/01/2016 – 12/31/2016; 3-year term period 01/01/2014 – 12/31/2016; 6-year and 6-year annual lock term period 01/01/2011– 12/31/2016.
Recent Market — The recent market illustrates the following S&P 500® Price Index returns: 1-year term period 12/31/2022 – 12/31/2023; 3-year term period 12/31/2020 – 12/31/2023; 6-year and 6-year annual lock term period 12/31/2017 – 12/31/2023.
Index Options
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.
The S&P 500® Price Return Index tracks the stock performance of 500 large U.S. companies. This is a product of S&P Dow Jones Indices LLC (“SPDJI”), and has been licensed for use by The Lincoln National Life Insurance Company. Standard & Poor’s, S&P and S&P 500® are registered trademarks of Standard & Poor’s Financial Services LLC (“S&P”); Dow Jones is a registered trademark of Dow Jones Trademark Holdings LLC (“Dow Jones”); and these trademarks have been licensed for use by SPDJI and sublicensed for certain purposes by The Lincoln National Life Insurance Company. The Lincoln National Life Insurance Company’s product is not sponsored, endorsed, sold or promoted by SPDJI, Dow Jones, S&P, their respective affiliates, and none of such parties make any representation regarding the advisability of investing in such products nor do they have any liability for any errors, omissions, or interruptions of the S&P 500® Index.
The Russell 2000 Price Return Index measures the stock performance of 2,000 small U.S. companies. The Russell 2000 Index (the “Index”) is a trademark of Frank Russell Company (“Russell”) and has been licensed for use by The Lincoln National Life Insurance Company. The Lincoln Level Advantage® indexed variable annuity is not in any way sponsored, endorsed, sold or promoted by Russell or the London Stock Exchange Group companies (“LSEG”) (together the “Licensor Parties”) and none of the Licensor Parties make any claim, prediction, warranty or representation whatsoever, expressly or impliedly, either as to (i) the results to be obtained from the use of the Index, (ii) the figure at which the Index is said to stand at any particular time on any particular day or otherwise, or (iii) the suitability of the Index for the purpose to which it is being put in connection with the Lincoln Level Advantage® indexed variable annuity. None of the Licensor Parties have provided or will provide any financial or investment advice or recommendation in relation to the Index to The Lincoln National Life Insurance Company or to its clients. The Index is calculated by Russell or its agent. None of the Licensor Parties shall be (a) liable (whether in negligence or otherwise) to any person for any error in the Index or (b) under any obligation to advise any person of any error therein.
This report contains information (the “Information”) sourced from MSCI Inc., its affiliates or information providers (the “MSCI Parties”) and may have been used to calculate scores, ratings or other indicators. The Information is for internal use only, and may not be reproduced/redisseminated in any form, or used as a basis for or a component of any financial instruments or products or indices. The MSCI Parties do not warrant or guarantee the originality, accuracy and/or completeness of any data or information herein and expressly disclaim all express or implied warranties, including of merchantability and fitness for a particular purpose. The Information is not intended to constitute investment advice or a recommendation to make (or refrain from making) any investment decision and may not be related on as such, nor should it be taken as an indication or guarantee of any future performance, analysis, forecast or prediction. None of the MSCI Parties shall have any liability for any errors or omissions in connection with any data or Information herein, or any liability for any direct, indirect, special, punitive, consequential or any other damages (including lost profits) even if notified of the possibility of such damages.
The MSCI EAFE Price Return Index follows the performance of large and mid-cap securities across 21 developed markets, including countries in Europe, Australasia and the Far East, excluding the US and Canada. The securities referred to herein are not sponsored, endorsed or promoted by MSCI, and MSCI bears no liability with respect to any such funds or securities, or any index on which such securities are based. The prospectus contains a more detailed description of the limited relationship MSCI has with Lincoln Financial Group and any related funds.
The Capital Strength Net Fee Index measures 50 well-capitalized companies with strong market positions based on strong balance sheets, high liquidity, earnings growth and record of financial strength and profit growth with lower volatility. The securities referred to herein are not sponsored, endorsed or promoted by NASDAQ, and NASDAQ bears no liability with respect to any such funds or securities, or any index on which such securities are based.
The Nasdaq-100 Index® includes 100 of the largest domestic and international non-financial securities listed on The NASDAQ Stock Market® based on market capitalization. Nasdaq®, and Nasdaq-100 Index®, are registered trademarks of Nasdaq, Inc. (which with its affiliates is referred to as the “Corporations”) and are licensed for use by The Lincoln National Life Insurance Company. The Product(s) have not been passed on by the Corporations as to their legality or suitability. The Product(s) are not issued, endorsed, sold, or promoted by the Corporations. THE CORPORATIONS MAKE NO WARRANTIES AND BEAR NO LIABILITY WITH RESPECT TO THE PRODUCT(S).
Nasdaq® and the Capital Strength Net Fee IndexSM are registered trademarks of NASDAQ, Inc. (which with its affiliates is referred to as the “Corporations”) and are licensed for use by The Lincoln National Life Insurance Company. The Product(s) have not been passed on by the Corporations as to their legality or suitability. The Product(s) are not issued, endorsed, sold, or promoted by the Corporations. THE CORPORATIONS MAKE NO WARRANTIES AND BEAR NO LIABILITY WITH RESPECT TO THE PRODUCT(S).
The First Trust American Leadership Index™ (“FTIS Index”) is a product of and owned by FT Indexing Solutions LLC (“FTIS”). FIRST TRUST® and FIRST TRUST AMERICAN LEADERSHIP Index™ are trademarks of First Trust Portfolios L.P. (collectively, with FTIS and their respective affiliates, “First Trust”). The foregoing index and trademarks have been licensed for use for certain purposes by Licensee in connection with the Product.
The Dow Jones Internet Composite Index™ (“Dow Index”) is a product of S&P Dow Jones Indices LLC or its affiliates (“SPDJI”) and has been licensed for use by FTIS and Licensee. S&P® is a trademark of Standard & Poor’s Financial Service LLC. DOW JONES® and DOW JONES INTERNET COMPOSITE INDEX are trademarks of Dow Jones Trademark Holdings LLC (“Dow Jones”). The foregoing trademarks have been licensed for use by SPDJI and have been sublicensed for use for certain purposes by FTIS and Licensee in connection with the FTIS Index and the Product.
The Nasdaq U.S. Rising Dividend Achievers Index™ and Nasdaq Technology Dividend Index™ are products of Nasdaq, Inc. (which with its affiliates is referred to as the “Nasdaq”). NASDAQ®, NASDAQ U.S. RISING DIVIDEND ACHIEVERS INDEX, and NASDAQ TECHNOLOGY DIVIDEND INDEX are trademarks of Nasdaq. The foregoing indices (collectively, the “Nasdaq Indices”) and trademarks have been licensed for use for certain purposes by FTIS and Licensee in connection with the FTIS Index and Product.
The Nasdaq Riskalyze U.S. Large Cap Select Dividend Index™ (“Riskalyze Index”) is a product of Riskalyze, Inc. (“Riskalyze”). RISKALYZE® and NASDAQ RISKALYZE U.S. LARGE CAP SELECT DIVIDEND INDEX are trademarks of Riskalyze. NASDAQ® is a trademark of Nasdaq, Inc. The foregoing index and trademarks have been licensed for use for certain purposes by FTIS and Licensee in connection with the FTIS Index and the Product.
The Product is not issued, sponsored, endorsed, sold, recommended, or promoted by First Trust, SPDJI, Dow Jones, Nasdaq, Riskalyze, or their respective affiliates (collectively, the “Companies”). The Companies do not make any representation regarding the advisability of investing in the Product or products based on the FTIS Index, Dow Index, Nasdaq Indices, or Riskalyze Index, do not make any warranties or bear any liability with respect to such products, and do not make any warranties or bear any liability with respect to the Product or another party’s index.
Important information
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.
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.
Index-linked annuity products are complex insurance and investment vehicles. Please reference the prospectus for information about the levels of protection available and other important product information. Any distribution or transfer from an indexed account (other than on the term end date) is based on the interim value of each indexed segment. This value is based on a formula and may not correspond to the current performance of the index you selected. Any distribution or transfer during a term will have a negative impact on the value at the end of the term. This reduction could be larger than the dollar amount of the distribution or transfer. See prospectus for details.
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.
Guarantee of Principal (also known as return of principal, or ROP) death benefit is available for an additional charge of 0.20% (applied to assets in variable investment options only). Adjusted performance cap, participation and performance trigger rates will apply to indexed accounts. The GOP is adjusted proportionately for withdrawals and dollar-for-dollar for i4LIFE® Advantage payments.
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.
Lincoln Level Advantage® indexed variable annuities (contract form 30070-B and state variations; contract form 30070-BID in Idaho) 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.
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 backed by any selling entity other than the issuing company affiliates, and none makes any representations or guarantees regarding the claims-paying ability of the issuer.
This product and the components and features contained within are not available in all states or firms. Please reach out to your registered representative for more details on state approvals and firm guidelines.
There is no additional tax-deferral benefit for an annuity contract purchased in an IRA or other tax-qualified plan.
*Contract form 30070-BID and 30070-A-ID 8/03 in Idaho.
Not available in New York.
For use with the general public.
LCN-6476997-031324