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Lincoln Financial Group Launches Fixed Indexed Annuity to Help Boost Retirement Savings Through Immediate Six Percent BonusTo help quell client concerns over market volatility and its impact on retirement portfolios, Lincoln Financial Group (NYSE: LNC) today announced the introduction of Lincoln OptiBlend® Plus fixed indexed annuity. This new solution helps clients jump start their retirement savings with an immediate account bonus of six percent, added to their account value at the time the annuity is purchased. An optional lifetime income rider, Lincoln Lifetime IncomeSM Edge, is also available with Lincoln OptiBlend® Plus and can be elected at issue or added on a contract anniversary for an additional cost. "Lincoln OptiBlend® Plus builds on the success we've seen with our top-selling Lincoln OptiBlend 10 fixed indexed annuity, and provides customers with the opportunity to achieve higher income during retirement," said Tad Fifer, head of Fixed Annuity Sales and RIA Sales & Strategy at Lincoln Financial Distributors. "We are committed to our fixed business - an area where Lincoln has seen significant growth -- and offering solutions that provide clients with even greater value through protected lifetime income." A recent study from Lincoln Financial Group shows that market volatility is a top concern for pre-retirees. In fact, 70 percent claim they can only afford to lose 10 percent or less of their savings before having to adjust their retirement plan or savings goals1. And among those closest to retirement (less than 3 years away), 87 percent are concerned with protecting the wealth they have accumulated.2 LIMRA Secure Retirement Institute research shows fixed indexed annuities sales hit record levels in the second quarter of 2018. They offer protection for principal and investment growth potential which is attractive to consumers in volatile market conditions. Expansion in the fixed indexed annuity market has contributed to Lincoln's fixed annuity sales more than doubling, to nearly $900 million in the third quarter. Lincoln OptiBlend® Plus is a flexible premium deferred annuity that offers the same fixed and indexed accounts as Lincoln OptiBlend 10, plus the added benefits of a premium bonus. The solution's three index-linked interest crediting strategies offer the potential for earnings tied to the performance of an outside index, in addition to a fixed account option for accumulation. You cannot directly invest in any index. Past performance does not guarantee future results. For more information about Lincoln OptiBlend® Plus, please visit: www.LFG.com/income. About Lincoln Financial Group Lincoln Financial Group provides advice and solutions that help empower people 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 t 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 $262 billion in assets under management as of September 30, 2018. Lincoln Financial Group is a committed corporate citizen included on major sustainability indices including the Dow Jones Sustainability Index North America and FTSE4Good. Additionally, Lincoln is dedicated to upholding a diverse and inclusive organization and was recognized by Forbes as one of the Best Large Employers, Best Employers for Diversity, and Best Employers for Women in 2018 and received a perfect score of 100 percent in 2018 on both the Corporate Equality Index and Disability Equality Index. Learn more at: www.LincolnFinancial.com. Follow us on Facebook, Twitter, LinkedIn, and Instagram. Sign up for email alerts at http://newsroom.lfg.com. Important Disclosures: 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 advisor as to any tax, accounting, or legal statements made herein. A fixed indexed annuity is intended for retirement or other long-term needs. It is intended for a person who has sufficient cash or other liquid assets for living expenses and other unexpected emergencies, such as medical expenses. A fixed indexed annuity is not a registered security or stock market investment and does not directly participate in any stock or equity investments, or index. The index used is a price index and does not reflect dividends paid on the underlying stocks. Lincoln OptiBlend® Plus fixed indexed annuities (contract forms ICC1515-619 or 15-619 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. The Lincoln National Life Insurance Company does not solicit business in the state of New York, nor is it authorized to do so. Contractual obligations are subject to the claims-paying ability of The Lincoln National Life Insurance Company. Contract may be referred to as "policy" or "certificate" in certain states (certificate may not be available in all states). The certificate is a group annuity certificate issued under a group annuity contract issued by The Lincoln National Life Insurance Company to a group annuity trust. Waiver of Surrender Charges for Nursing Home Confinement Rider and Waiver of Surrender Charges for Terminal Illness Rider (form AE-119 and form AE-170, respectively, and state variations) may not be available in all states. Nursing Home Rider not available for contracts issued in Massachusetts. The exact terms of the annuity are contained in the contracts and any attached riders, endorsements and amendments, which will control the issuing company's contractual obligations. For more information about the annuity, please also read the Disclosure Statement and Facts-At-A-Glance, or contact your representative. Income taxes are due upon withdrawal and if withdrawn before age 59½, an additional 10% federal tax may apply. Withdrawals and surrenders may be subject to surrender charges and a Market Value Adjustment. There is no additional tax-deferral benefit for contracts purchased in an IRA or other tax-qualified plan, since they are already afforded tax-deferred status. Product and features are subject to state availability. Limitations and exclusions may apply. Not available in New York. Lincoln Lifetime IncomeSM Edge is an optional Guaranteed Lifetime Withdrawal Benefit (GLWB) rider (form ICC18AE-245 (06/18) and state variations) available for an additional 0.95% charge (1.50% maximum) and subject to rider issue age limits, which may differ from the contract issue age limits. May not be available in all states. Limitations and exclusions may apply.
1 Protect and Grow Study, Lincoln Financial Group, April 2018 LCN-2320320-111618
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