Lincoln National Life Insurance Company
4.9
based on complex data
Annuity Educator Rating
Annuity review

Lincoln Level Advantage B-Share

The Lincoln Level Advantage B-Share Annuity is a flexible and secure way to guarantee future income. It combines growth potential with a strong level of protection. It's a savvy money move for a stable tomorrow.

The product is easy to understand, with no hidden costs. More so, it offers the opportunity to grow your investment. B-Share means minimal fees, which translates to more money for your retirement. A reliable choice for worry-free golden years!

Lincoln Level Advantage B-Share-brochure Lincoln Level Advantage B-Share-brochure

Lincoln Level Advantage B-Share

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About Product

Type
Registered Index-Linked
Purpose
Accumulation
Term
6 Years
Surrender schedule
7%
7%
6%
5%
4%
3%
Fee withdrawal:
10%
Flexible premium
Product Life
Market Value Adjustment
No
Return Of Premium
No
Minimum Contribution
$25,000
Maximum Contribution
$2,000,000
Max Age Qualified
85
Types Of Funds
Non-Qualified, IRA, IRA Rollover, IRA Transfer, SEP IRA, IRA-Roth, 1035 Exchange, Stretch IRA, and NQ Stretch
Launch Date
05/21/2018
Lincoln Level Advantage indexed variable annuity is a long-term investment product designed for retirement purposes. 
 
Please note, availability is subject to firm and state approval
Available in states: AL, AK, AZ, AR, CA, CO, CT, DE, DC, FL, GA, GU, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NC, ND, OH, OK, PA, PR, RI, SC, SD, TN, TX, UT, VT, VA, WA, WV, WI, and WY

Allocation Accounts

Name Type Rates
6-Year Russell 2000 Dual15 Plus with Cap (Limited States)
Dual15 Plus
6-Year
110% Cap
6-Year First Trust American Leadership Dual15 Plus with Cap (Limited States)
Dual15 Plus
6-Year
250% Cap
6-Year Capital Strength (First Trust) Dual15 Plus with Cap (Limited States)
Dual15 Plus
6-Year
80% Cap
6-Year S&P 500 Dual15 Plus with Cap (Limited States)
Dual15 Plus
6-Year
125% Cap
1-Year Russell 2000 Dual Performance Triggered 10% Buffer (Limited States)
Dual Performance Trigger (RILA)
Annual
7.5% Performance triggered
1-Year First Trust American Leadership Dual Performance Triggered 10% Buffer (Limited States)
Dual Performance Trigger (RILA)
Annual
7% Performance triggered
1-Year Capital Strength (First Trust) Dual Performance Triggered 10% Buffer (Limited States)
Dual Performance Trigger (RILA)
Annual
6.5% Performance triggered
1-Year S&P 500 Dual Performance Triggered 10% Buffer (Limited States)
Dual Performance Trigger (RILA)
Annual
6.5% Performance triggered
6-Year S&P 500 Annual Lock Cap 10% Buffer
Annual Lock
6-Year
13% Cap
6-Year Capital Strength (First Trust) Annual Lock Cap 10% Buffer
Annual Lock
6-Year
10.5% Cap
6-Year MSCI EAFE Annual Lock Cap 10% Buffer
Annual Lock
6-Year
11.75% Cap
6-Year Russell 2000 Annual Lock Cap 10% Buffer
Annual Lock
6-Year
15% Cap
1-Year First Trust American Leadership PTP Cap 15% Buffer
Point to Point
Annual
11% Cap
6-Year First Trust American Leadership PTP Participation Rate 10% Buffer
Point to Point
6-Year
110% Participation
6-Year Russell 2000 PTP Participation Rate 10% Buffer
Point to Point
6-Year
105% Participation
6-Year S&P 500 PTP Participation Rate 10% Buffer
Point to Point
6-Year
105% Participation
6-Year Capital Strength (First Trust) PTP Participation Rate 10% Buffer
Point to Point
6-Year
115% Participation
6-Year MSCI EAFE PTP Participation Rate 10% Buffer
Point to Point
6-Year
125% Participation
1-Year Capital Strength (First Trust) PTP Cap 10% Buffer
Point to Point
Annual
11% Cap
1-Year S&P 500 PTP Cap 100% Buffer
Point to Point
Annual
6% Cap
6-Year Capital Strength (First Trust) PTP Cap 30% Buffer
Point to Point
6-Year
70% Cap
6-Year First Trust American Leadership PTP Cap 20% Buffer
Point to Point
6-Year
100% Cap
6-Year First Trust American Leadership PTP Spread 15% Buffer Uncapped
Point to Point
6-Year
3-Year First Trust American Leadership PTP Participation Rate 10% Buffer
Point to Point
Triennial
95% Participation
3-Year Capital Strength (First Trust) PTP Participation Rate 10% Buffer
Point to Point
Triennial
95% Participation
6-Year S&P 500 PTP Cap 30% Buffer
Point to Point
6-Year
65% Cap
6-Year Russell 2000 PTP Cap 20% Buffer
Point to Point
6-Year
100% Cap
6-Year Russell 2000 PTP Cap 30% Buffer
Point to Point
6-Year
80% Cap
6-Year Capital Strength (First Trust) PTP Cap 20% Buffer
Point to Point
6-Year
200% Cap
1-Year S&P 500 PTP Cap 10% Buffer
Point to Point
Annual
12.15% Cap
1-Year Russell 2000 PTP Cap 10% Buffer
Point to Point
Annual
16.25% Cap
1-Year MSCI EAFE PTP Cap 10% Buffer
Point to Point
Annual
14.75% Cap
1-Year S&P 500 PTP Cap 20% Buffer
Point to Point
Annual
9.25% Cap
3-Year S&P 500 PTP Participation Rate 10% Buffer
Point to Point
Triennial
90% Participation
1-Year S&P 500 PTP Cap 15% Buffer
Point to Point
Annual
10% Cap
1-Year Nasdaq-100 PTP Cap 15% Buffer
Point to Point
Annual
12% Cap
6-Year S&P 500 PTP Spread 15% Buffer Uncapped
Point to Point
6-Year
6-Year Capital Strength (First Trust) PTP Spread 15% Buffer Uncapped
Point to Point
6-Year
6-Year Russell 2000 PTP Spread 15% Buffer Uncapped
Point to Point
6-Year
1-Year First Trust American Leadership PTP Cap 10% Buffer
Point to Point
Annual
13.75% Cap
6-Year S&P 500 PTP Cap 20% Buffer Uncapped
Point to Point
6-Year
125% Cap
1-Year First Trust American Leadership Performance Triggered 10% Buffer
Performance Triggered
Annual
10% Performance triggered
1-Year S&P 500 Performance Triggered 15% Buffer
Performance Triggered
Annual
8.5% Performance triggered
1-Year S&P 500 Performance Triggered 10% Buffer
Performance Triggered
Annual
9.25% Performance triggered
1-Year S&P 500 Performance Triggered 20% Buffer
Performance Triggered
Annual
7.75% Performance triggered
1-Year Nasdaq-100 Performance Triggered 15% Buffer
Performance Triggered
Annual
10.5% Performance triggered
6-Year S&P 500 PTP Cap 15% Buffer
Point to Point
6-Year
250% Cap
6-Year S&P 500 PTP Cap 25% Buffer
Point to Point
6-Year
85% Cap

Surrender schedule

Year 1 2 3 4 5 6
Penalty 7% 7% 6% 5% 4% 3%

Hypothetical Projection

Comparison against S&P 500 using current rates
indexed chart
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Riders

Name Inbuilt Fee
i4LIFE Indexed Advantage Rider No 0.40% annually

Waivers

Nursing Home

A surrender charge does not apply if you are admitted to an accredited nursing home for at least 90 consecutive days or if you are diagnosed with a terminal illness after the contract date. The nursing home waiver does not include home health care.

Terminal Illness

A surrender charge does not apply if you are admitted to an accredited nursing home for at least 90 consecutive days or if you are diagnosed with a terminal illness after the contract date

Premium Notes

The minimum initial Purchase Payment for the Contract is $25,000. Additional Purchase Payments may be made to the Contract, subject to certain restrictions, and must be at least $100 per payment ($25 if transmitted electronically), and at least $300 annually. Additions are allowed any time until the maturity date.
Purchase Payments and Contract Value may be allocated to the Indexed Accounts only on the initial Start Date or Indexed Anniversary Date and must be at least $2,000. 

Withdrawal Provisions

Free WithdrawalsYou have access to a free amount, which is equal to 10% of the current contract value or 10% of the total purchase payment. 

Company Founded: 1905
Excellent Rated Company
Lincoln National Life Insurance Company
Company Ratings
4
  • A.M. Best A
  • Fitch A+
  • S&P A+
  • Moody's A2
  • Comdex 80
Assets: $101,842,579,438
Indiana

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