For example, while you have the opportunity to attain a market-like return, you also can lock in a set level of protectionjust in case. Lincoln Financial Groupaffiliates, their distributors, and their respective employees, representatives, and/or insurance agents do not provide tax, accounting, or legal advice. 0000008162 00000 n Lincoln Level Advantage offers linkage to four indexes (the S&P 500, Russell 2000, MSCI EAFE Index, and Lincoln's Capital Strength Index), three renewable term options (one-year, six-year, and a six-year annual lock option) and four protection options (against losses up to 10%, 20%, 30% or 100% of each contract year's starting value). 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. 0000051938 00000 n with the performance trigger account. You'll pay minimal, or no fees in your proposed structure. I have never traded options. Lincoln Level Advantage | Lincoln Financial Consider Lincoln Level Advantage variable annuity, a tax-efficient investment strategy that helps you stay invested and reduces risk. First Trust American Leadership IndexTM In addition, when the time is right for you, there is also the ability to transition the Level Advantage Advisory annuity into a dependable source of lifetime income that you can count on. utag_data["event_name"] = ""; We make the complex, simple. Custom-build a portfolio to illustrate current rates in different market scenarios. 3 Ned Davis Research as of 12/31/19. Growth 1-year Performance cap 1-year Performance trigger 3-year Participation rate 6-year Performance cap 6-year Spread Lincoln Level Advantage indexed variable annuity is a long-term investment product designed for retirement purposes. Lincoln Level Advantage SM indexed variable annuities (contract form 30070-B and state variations) are issued by The Lincoln National Life Insurance Company, Fort Wayne, IN, distributed by Lincoln Financial Distributors, Inc., a . are issued by The Lincoln National Life Insurance Company, Fort Wayne, IN, distributed by Lincoln Financial Distributors, Inc., a broker-dealer. The Product(s) have not been passed on by the Corporations as to their legality or suitability. If you value flexibility and predictability, then this option may be right for you. This property is currently available for sale and was listed by WVMLS on Mar 2, 2023. function formatDate(date){ 2023-02-06T10:20:17-05:00 through other affiliates. Then, follow the simple, 3-step process to select the term, market index and level of protection you want to see. All rights reserved. So, we have become a highly trusted source of annuity information. Please call 888-868-2583 for free prospectuses. Required fields are marked *. For complete information about the cookies we use, data we collect and how we process them, please check our. Page 1 of 7 Revised: 8/7/2019 Preferred Producer commissions available to agents with higher production levels. In an up market, youll see growth up to the cap. Stocks lose more than 35% on average in a bear market2, Stocks gain 112% on average during a bull market3. I was looking at Annuities mainly because of the capital protection since I am 60 now. See how Lincoln Level Advantage helped Paul balance his needs for protection and growth. With this option, the beginning and ending values of the index are calculated for a percent change at the end of the term. The example assumes a 6% spread rate. LincolnRIA@LFD.com. Lincoln Level Advantage indexed variable annuity Advisory rates effective 12/15/2020 Account Value Death Benefit 1-year term caps 10% protection level 20% protection level 100% protection level -5% floor protection -10% floor protection S&P 500 Index 14.50% 7.50% 1.50% 2.75% 5.75% Russell 2000 Index 13.00% $2,650,000 Last Sold Price. Lincoln imposes a maximum of 3% on all its advisory accounts. The only way to really know for sure whether or not this is the annuity for you is to have it tested. I sell or want to start selling Lincoln products or I am support staff or a sales assistant. Lincoln Level Advantageindexed variable annuities (contract form 30070-A 8/03 and state variations*) are issued by The Lincoln National Life Insurance Company, Fort Wayne, IN, and distributed by Lincoln Financial Distributors, Inc., a broker-dealer. As an indexed product, the Level Advantage Advisory annuity tracks several different market indices, including the: In addition, owners of this annuity have access to 14 fund options from various investment managers. utag_data["page_breadcrumb"] = "Lincoln Level Advantage B-Share"; The indices used are price indices and do not reflect dividends paid on the underlying stocks. The applicable prospectuses for the variable annuity and its underlying investment options contain this and other important information. Are there any other annuities that you would like to also see reviewed? And going this route is definitely not the way to grow and/or protect your hard-earned savings. Visit hb```b``_ B@1vKZr` %L You can also lock in a fixed rate for 1 or 6 years, or alternatively a 6-year annual lock, at protection level options of 10%, 20%, 30%, or even 100%. 0000017265 00000 n 0000005319 00000 n utag_data["page_security"] = "public"; If you prefer flexibility to reallocate your investment each year, this strategy also has a 1-year term option. Abstract. Due to its financial strength and stability, Lincoln National Life Insurance Company has received high ratings from the major insurance carrier rating agencies, including a(n): While variable annuities have taken somewhat of a back seat to other, safer, alternatives like fixed and fixed indexed annuities over the past decade, there is a definite niche for these products particularly with those who are seeking the opportunity for a higher rate of return, as well as the tax-deferred growth of assets. Likewise, if you do not intend on using the income feature on this annuity, there could be some better alternatives out there for you. GET STARTED. Protection levels that vary based on the index and term selected are subject to change and may not be available with every option. In fact, some of these sites make some pretty bold claims, such as: Yet, even though these sites may be able to provide you with some of the information that you need, we dare say that the website that you are on right now will provide you with much more of the in-depth information that is required for making a good, solid purchase decision. Likewise, Lincoln is ranked as #316 on the 2018 Barrons 500 list, based on the most revenue growth and cash returns. The new product, Lincoln Level Advantage, is a flexible premium contract with a $25,000 initial premium. Rates are declared by the issuing company at its discretion and may be higher or lower than the current rate. Withdrawals are subject to ordinary income tax treatment and, if taken prior to age 59 in nonqualified contracts, may be subject to an additional 10% federal tax. The values in scenario 1 are for illustrative purposes only and are intended to show the mechanics of the indexed spread account. Due to a planned power outage on Friday, 1/14, between 8am-1pm PST, some services may be impacted. https://www.lincolnfinancial.com/public/microsite/leveladvantage. utag_data["page_l"+'0'] = "Lincoln Level Advantage indexed variable annuity rate sheets"; This is an independent annuity product review. What this means is that regardless of how high the underlying index(es) perform, the cap will limit or basically place a ceiling on the total amount that you can actually earn. by BL Fri Jul 06, 2018 12:41 pm, Post by briko3 Fri Jul 27, 2018 3:44 pm, Post 0000114192 00000 n 0000013942 00000 n See prospectus for details. 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. Example is hypothetical and for illustrative purposes only. The Bogleheads Wiki: a collaborative work of the Bogleheads community, Local Chapters and Bogleheads Community, Annuity- Lincoln Level Advantage Indexed variable annuity, Re: Annuity- Lincoln Level Advantage Indexed variable annuity, http://www.annuitygator.com/independent e-annuity/, https://investment-fiduciary.com/2011/0 re-paying/, https://www.forbes.com/2010/08/10/truth dauer.html. document.getElementById( "ak_js_1" ).setAttribute( "value", ( new Date() ).getTime() ); AnnuityGator.com offers independent annuity product reviews. 0000009173 00000 n No matter how simple or complex, you can ask it here. 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. If you are using our Services via a browser you can restrict, block or remove cookies through your web browser settings. If you are looking to contact Lincoln Heritage directly, call them at 1-800-438-7180. The protection level option selected in the indexed account helps protect you from some downside risk. Nothing on this website is a recommendation to buy or sell an annuity. <]/Prev 324084/XRefStm 2025>> Withdrawals of earnings are taxable as ordinary income and, if taken prior to age 59, may be subject to an additional 10% federal tax. by Mel Lindauer Fri Jul 06, 2018 1:52 pm, Post 400 0 obj <> endobj 0000008795 00000 n Please see the prospectus for details. var visitorSegments = ""; Perhaps you are willing to take on more risk in exchange for greater potential returns, but you still want some level of protection. 0000035875 00000 n Lincoln Level Advantage indexed variable annuities (contract form 30070-B and state variations) are issued by The Lincoln National Life Insurance Company, Fort Wayne, IN, and distributed by Lincoln Financial Distributors, Inc., a broker-dealer. return formattedDate; by Cyclesafe Fri Jul 06, 2018 3:16 pm, Post HUK8WJ^ [`E 3d6~IZLXd#M)Pt7>TAP1+,]wltdE?I=+]v5O`B}#A}avvRx;mV0{Lv=6]fQ[~nOnRi0}466rF_gq\9L ?E8. Wiki article link: "Plans are useless; planning is indispensable. (Dwight Eisenhower) | Annuities are subject to market risk including loss of principal. utag_data["page_author"] = "rofdi7"; +kiWh]bX;-kLhgMaM53gO/B/^cwz"B3gHHHHHrZ}^Gt>~M>c|o78* dT,1 endstream endobj 82 0 obj [110 0 R] endobj 83 0 obj <>stream It can also be a potential vehicle for receiving income in retirement. WithLincoln Level Advantage, you can build a portfolio that helps you stay invested for growth while reducing risk with levels of protection during downturns. 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.

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