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Lincoln Financial Announces New Variable Annuity


Lincoln Financial Group has recently announced the launch of a new indexed variable annuity, offering retirees options for protection and growth opportunities. According to a Business Wire press release, Lincoln Level AdvantageSM will allow clients to continue to build their savings while protecting assets from some of the most challenging risks in today’s market.

Previously, Lincoln Financial released a study that found many savers are concerned about portfolio protection, especially as they near retirement. 40% of investors claimed that any loss would require them to adjust their savings plan and retirement goals. Also, more than half of pre-retirees reported being very concerned about the ability of their money to grow enough to provide a continual stream of income in retirement.

Lincoln Level Advantage rounds out our broad portfolio of retirement and income planning solutions – all built to provide today’s savers with protection and income for the rest of their life,” said Will Fuller, president of Annuity Solutions, Lincoln Financial Distributors and Lincoln Financial Network. “We designed a solution for those seeking the growth potential of equity market participation with added levels of protection against market losses that could disrupt their saving and retirement goals.”  

In 2017, registered indexed-linked annuity sales increased 25% according to LIMRA Secure Retirement Institute (SRI). Industry experts credit the product’s ability to provide protection with upside potential as the top investor draw. Sales are expected to continue to rise in 2018.

There are three choices available with Lincoln Level AdvantageSM to help investors reach their individual financial goals:

  • Step 1: Choose your investment: Four indexed account options are available, including the S&P 500®, Russell 2000®, MSCI EAFE Index, and Lincoln’s Capital Strength IndexSM.
  • Step 2: Choose your term: Investors may choose from three term options, one-year, six-year, and a six-year annual lock option, after which time they may reinvest into another term.
  • Step 3: Choose your level of protection: Investors may decide how much protection from market loss they prefer, including options for 10%, 20%, 30% or 100% protection.

Lincoln Level AdvantageSM is one of the industry’s first indexed variable annuity solutions that offers investors an exit strategy through i4LIFE® Indexed Advantage – the company’s patented optional lifetime income rider. The optional  rider allows clients to turn their account value into a lifetime income stream, with opportunities for rising income over time and additional tax efficiencies.

For more information about Lincoln Level AdvantageSM, visit www.LFG.com/LevelAdvantage.

Written by Rachel Summit

Follow Rachel, aka Finance Mama, on Twitter and Google+

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