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Lincoln Investor Advantage®
variable annuity

See How It Works

A STRAIGHTFORWARD APPROACH TO INVESTING

Growth potential without the tax drag. Powerful investment strategies. Tax-savvy income and legacy plans. Build your portfolio around what matters the most to you.
 

Lincoln Investor Advantage® helps investors meet their goals, including:

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    Tax-minded investors
    looking for more tax-deferred growth to:
     

     Pay less taxes on their investments

     Invest without concern about immediate tax impact

     Have more control over tax outcomes now and in retirement

     

       

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    Investment-focused investors
    who want quality diversification to:
     

     Maximize investment returns

     Keep their investment philosophy intact

     Have access and flexibility to invest in what matters most to them

     

       

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    Forward-looking investors focused on saving now while planning ahead to:
     

      Keep more money invested to help portfolio grow

      Ensure access to tax-smart income for retirement

      Leave loved ones a legacy – and protect them from a heavy tax burden, if needed

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Minimize taxes to maximize your investment returns

Why invest? In general, it’s because we want our money to grow. But, when it comes to investment returns, one thing is certain: taxes matter.

 

When you invest in an annuity, the favorable tax treatment lets you keep more of what you earn.
Here’s how:

Tax-smart investing

You won’t be taxed on any earnings or growth until after you withdraw funds.

  • More of your investment returns compound over time, resulting in potentially higher long-term returns.


You won’t be taxed each time you adjust your portfolio.

  • Avoid these costly consequences of rebalancing in taxable accounts:
    • Short-term capital gains – up to 40.8% from your returns1
    • Long-term gains – taxed as high as 23.8%1
    • Possible transaction costs
       

You won’t incur the higher transaction fees and higher tax bill that the frequent trading within actively managed strategies can generate.

  • Invest with trusted active managers without a hidden tax drag on your results.

1 Including a 3.8% Medicare tax. Source: IRS.gov.

These tax calculators can help provide different snapshots of how taxes might impact your portfolio.

INVESTMENT CHOICE

Build a portfolio that fits your individual goals and investment preferences. Our investment guide  details your diverse range of options, including:

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    140+ INDIVIDUAL FUNDS

    Get the details about investment options

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    20+ ASSET ALLOCATION FUNDS

    Get the details about asset allocation funds

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    30+ INVESTMENT MANAGERS

    Get the details about investment managers

PREPARE FOR LIFE'S CHANGES

You’re investing for a reason. Maybe it’s to fund retirement, to pay for a lifestyle, the desire to leave a legacy – or all of these. To grow with you and meet your needs as life changes, you have access to these optional benefits.

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Tax-smart retirement income

Turn on income when you’re ready with i4LIFE® Advantage,*  an optional income benefit, available for an additional charge. It’s designed for investors who want:

  • Tax-efficient income payments
  • Continued participation in the growth potential of the market
  • Control over investment options
  • Access to your account value

i4LIFE® Advantage is available for an additional annual cost of 0.40%. There is a credit to clients who select a minimum Access Period of the greater of 20 years or until age 85 — with a $500,000 deposit the credit is 0.10% annually and with a $1,000,000 deposit the credit is 0.20% annually (see prospectus for complete details).

Legacy protection

Annuities can be an effective way to make sure your assets are passed on to your loved ones with a death benefit feature. Plan a legacy tailored to your goals with one of these three options:

  • Account Value Death Benefit (standard option)
  • Guarantee of Principal Death Benefit1 for principal protection
  • Earnings Optimizer Death Benefit2 to help offset potential tax impacts for your beneficiaries

Chart illustrates the two different death benefits available with Lincoln Investor Advantage, and how they help protect your loved ones in different markets.

With Earnings Optimizer, beneficiaries will receive an additional 40% of earnings if there are gains in the contract. In years with substantial gains, a greater death benefit helps offset estate taxes.

Guarantee of Principal ensures beneficiaries will get the greater of your account value or your full investment if the market is down.

1Gives beneficiaries the greater of the current account value at death or total investment amount for an additional annual cost of 0.25%. Maximum charge of 1.40% and can increase on any anniversary after five years. Withdrawals reduce the death benefit in the same proportion as the account value. If i4LIFE® is elected, i4LIFE® payments reduce the death benefit dollar for dollar.
2Gives beneficiaries the greater of the total investment amount, or current account value at death plus 40% of earnings if there are gains in the contract (not to exceed 200% of total deposits). Available to contractowners and annuitants under age 70 for an additional annual cost of 0.30%, and ages 70 – 75 for 0.70%. Maximum charge of 1.40% and 1.70%, respectively, based on oldest issue age. The initial fee is guaranteed for 20 years after election. The rider is irrevocable and does not provide an opt-out provision for fee increases. Investment requirements apply. Withdrawals reduce the death benefit in the same proportion as the account value. If i4LIFE® is elected, i4LIFE® payments reduce the death benefit dollar for dollar. Not available for contracts in New York.

GAIN ADDITIONAL INSIGHT WITH THESE RESOURCES AND EASY-TO-USE TOOLS

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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 professional 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. 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 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 Investor Advantage® variable annuities (contract forms ICC23-60020, 23-60020, ICC23-60021, 23-60021, ICC23-60022, 23-60022) and Lincoln Investor Advantage® Pro variable annuities (contract forms ICC23-60020, ICC23-60021, ICC23-60022, 23-60020, 23-60021 and 23-60022) 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.

 

Lincoln Investor Advantage® contracts sold in New York (contract forms 30070-B-NY (5/14), 30070-A-NY (5/14), 30070-B-NYC (5/14)) 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.