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Lincoln Level Advantage B-Share with Guarantee of Principal

The Lincoln Level Advantage B-Share strikes a comforting balance between growth and security. The guarantee of principal ensures your hard-earned savings are protected. It’s a smart choice for retirees eager for that extra bit of reassurance.

It provides potential for growth and gives a soothing peace of mind knowing your investment is safe. This product resonates trust, providing a steady anchor in the fluctuating world of retirement planning.

Lincoln Level Advantage B-Share with Guarantee of Principal

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About Product

Type

Registered Index-Linked

Purpose

Accumulation

Term

6 Years

Surrender schedule

Fee withdrawal:

10%

Flexible premium

Product Life

Market Value Adjustment

Return Of Premium

Minimum Contribution

$25,000

Maximum Contribution

$2,000,000

Max Age Qualified

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.

Product charges (charges apply to assets in the subaccounts only)

Account Value Death Benefit: 1.10%
Guarantee of Principal (GOP) Death Benefit: 1.30%

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 S&P 500 Dual15 Plus with Cap (Limited States)	Dual15 Plus 6-Year	70% Cap
6-Year Capital Strength (First Trust) Dual15 Plus with Cap (Limited States)	Dual15 Plus 6-Year	70% Cap
6-Year First Trust American Leadership Dual15 Plus with Cap (Limited States)	Dual15 Plus 6-Year	200% Cap
6-Year Russell 2000 Dual15 Plus with Cap (Limited States)	Dual15 Plus 6-Year	100% Cap
1-Year S&P 500 Dual Performance Triggered 10% Buffer (Limited States)	Dual Performance Trigger (RILA) Annual	6% Performance triggered
1-Year Capital Strength (First Trust) Dual Performance Triggered 10% Buffer (Limited States)	Dual Performance Trigger (RILA) Annual	6.25% Performance triggered
1-Year First Trust American Leadership Dual Performance Triggered 10% Buffer (Limited States)	Dual Performance Trigger (RILA) Annual	6.75% Performance triggered
1-Year Russell 2000 Dual Performance Triggered 10% Buffer (Limited States)	Dual Performance Trigger (RILA) Annual	7% Performance triggered
6-Year S&P 500 Annual Lock Cap 10% Buffer	Annual Lock 6-Year	12.5% Cap
6-Year MSCI EAFE Annual Lock Cap 10% Buffer	Annual Lock 6-Year	11.25% Cap
6-Year Russell 2000 Annual Lock Cap 10% Buffer	Annual Lock 6-Year	14.5% Cap
6-Year Capital Strength (First Trust) Annual Lock Cap 10% Buffer	Annual Lock 6-Year	10% Cap
6-Year First Trust American Leadership PTP Cap 20% Buffer	Point to Point 6-Year	90% Cap
6-Year S&P 500 PTP Participation Rate 10% Buffer	Point to Point 6-Year	95% Participation
6-Year MSCI EAFE PTP Participation Rate 10% Buffer	Point to Point 6-Year	120% Participation
6-Year Russell 2000 PTP Participation Rate 10% Buffer	Point to Point 6-Year	100% Participation
6-Year First Trust American Leadership 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	110% Participation
1-Year Capital Strength (First Trust) PTP Cap 10% Buffer	Point to Point Annual	10.5% Cap
1-Year S&P 500 PTP Cap 100% Buffer	Point to Point Annual	5.75% Cap
6-Year Capital Strength (First Trust) PTP Cap 30% Buffer	Point to Point 6-Year	65% Cap
1-Year First Trust American Leadership PTP Cap 10% Buffer	Point to Point Annual	13.25% Cap
1-Year First Trust American Leadership PTP Cap 15% Buffer	Point to Point Annual	10.5% Cap
3-Year First Trust American Leadership PTP Participation Rate 10% Buffer	Point to Point Triennial	90% Participation
3-Year S&P 500 PTP Participation Rate 10% Buffer	Point to Point Triennial	85% Participation
6-Year S&P 500 PTP Cap 30% Buffer	Point to Point 6-Year	60% Cap
6-Year Russell 2000 PTP Cap 20% Buffer	Point to Point 6-Year	90% Cap
6-Year Russell 2000 PTP Cap 30% Buffer	Point to Point 6-Year	75% Cap
6-Year Capital Strength (First Trust) PTP Cap 20% Buffer	Point to Point 6-Year	175% Cap
1-Year S&P 500 PTP Cap 10% Buffer	Point to Point Annual	11.65% Cap
1-Year Russell 2000 PTP Cap 10% Buffer	Point to Point Annual	15.75% Cap
1-Year MSCI EAFE PTP Cap 10% Buffer	Point to Point Annual	14.25% Cap
1-Year S&P 500 PTP Cap 20% Buffer	Point to Point Annual	8.75% Cap
6-Year First Trust American Leadership PTP Spread 15% Buffer Uncapped	Point to Point 6-Year
3-Year Capital Strength (First Trust) PTP Participation Rate 10% Buffer	Point to Point Triennial	90% Participation
1-Year S&P 500 PTP Cap 15% Buffer	Point to Point Annual	9.5% Cap
1-Year Nasdaq-100 PTP Cap 15% Buffer	Point to Point Annual	11.75% 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
6-Year S&P 500 PTP Cap 20% Buffer	Point to Point 6-Year	100% Cap
1-Year S&P 500 Performance Triggered 10% Buffer	Performance Triggered Annual	8.75% Performance triggered
1-Year S&P 500 Performance Triggered 20% Buffer	Performance Triggered Annual	7.25% Performance triggered
1-Year S&P 500 Performance Triggered 15% Buffer	Performance Triggered Annual	8% Performance triggered
1-Year Nasdaq-100 Performance Triggered 15% Buffer	Performance Triggered Annual	10% Performance triggered
1-Year First Trust American Leadership Performance Triggered 10% Buffer	Performance Triggered Annual	9.5% Performance triggered
6-Year S&P 500 PTP Cap 25% Buffer	Point to Point 6-Year	70% Cap
6-Year S&P 500 PTP Cap 15% Buffer	Point to Point 6-Year	150% 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

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Investment Amount

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.