Lincoln Market SelectSM Advantage, available with Lincoln Variable Annuities, Provides Clients With A Combination of Expanded Investment Choices Along With Guaranteed Lifetime Income
15 October 2015

RADNOR, Pa.--(BUSINESS WIRE)--Lincoln Financial Group (LNC) today introduced its new Market SelectSM Advantage optional living benefit rider for its variable annuity solutions, providing retirement savers with guaranteed lifetime income, along with flexibility through access to a broadly diversified lineup of investment options managed by leading investment managers.

“Few variable annuity products with a living benefit rider in today’s market provide access to such a diversified lineup of funds,” explains John Kennedy, Head of Retirement Solutions Distribution for Lincoln Financial Distributors.

Lincoln Market Select Advantage joins Lincoln’s suite of retirement solutions as a value-added option that fits between its investment-only variable annuity solution, which is aimed at providing tax-efficiency during the accumulation phase, and Lincoln’s industry-leading guaranteed income solutions, including i4LIFE® Advantage, which helps advisors and clients maximize income potential in retirement.

With Lincoln Market Select Advantage, investors can participate in the market with the knowledge that if they are 65 years old and wait at least five years from the purchase date to start receiving income, they will receive a guaranteed five percent lifetime income stream. If the account value grows from year to year, then the income base will automatically step up to equal a higher account value on an annual basis.

“Lincoln’s unique options, like Lincoln Market Select Advantage, help advisors and consumers meet their retirement goals while protecting their investments from a range of challenges,” said Kennedy. “Investors who have an appetite for investment flexibility and income protection will find this new rider strikes the right balance between growth and the secure withdrawal of retirement income.”

In addition to participating in the long-term growth potential of the market and increasing these savings tax-deferred, Lincoln Market Select Advantage, which is available for an additional charge with Lincoln variable annuity products, offers the flexibility of moving into Lincoln’s patented income distribution solution, i4LIFE® Advantage. This method maximizes income potential and provides a tax advantage for non-qualified annuities, with each payment returning a portion of the nontaxable principal along with a portion of the earnings, or taxable gains.

About Lincoln Financial Group

Lincoln Financial Group provides advice and solutions that help empower Americans to take charge of their financial lives with confidence and optimism. Today, more than 17 million customers trust our retirement, insurance and wealth protection expertise to help address their lifestyle, savings and income goals, as well as to guard against long-term care expenses. Headquartered in Radnor, Pennsylvania, Lincoln Financial Group is the marketing name for Lincoln National Corporation (NYSE:LNC) and its affiliates. The company had $223 billion in assets under management as of June 30, 2015. Learn more at: Find us on Facebook, Twitter (@lincolnfingroup), LinkedIn and YouTube. To sign up for email alerts, please visit our Newsroom at


Lincoln variable annuities are long-term investment products that offer access to leading investment managers, optional living benefits (available for an additional charge), and death benefit protection. A variable annuity offers a stream of income that is guaranteed to last for the rest of your life or the combined life of yourself and your spouse. To decide if a variable annuity is right for you, consider that its value will fluctuate; it is subject to investment risk and possible loss of principal.

Lincoln variable annuities 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.

Contracts sold in New York 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.

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.

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

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.


Lincoln Financial Group
Lujean Smith