Lincoln Investor AdvantageSMdesigned to
support wealth protection through tax-efficient investing, while
offering growth potential, investment control and flexibility, as well
as income and wealth transfer strategies
The introduction of Lincoln Investor Advantage comes at a time when clients are looking for advice on how to better manage their taxes, explains
“Planning for the challenges that advisors and their clients are facing today and into the future – such as taxes and the need for lifetime income – is something we think about at Lincoln every day,” said Kennedy. “Lincoln Investor Advantage can help advisors minimize the impact of taxes on their clients’ assets, offering wealth protection and potential growth for the client and delivering added value from the advisor.”
Lincoln Investor Advantage is the only investment-focused annuity available with i4LIFE® Advantage, Lincoln’s patented lifetime income distribution method. i4LIFE, which is an optional feature for an additional cost, can help investors reduce the impact of taxes and keep more of what they earned, with the potential for increasing payments. It also allowsclients to retain access to their money and investment options, and provides the opportunity to set up wealth transfer strategies for future generations.
“Lincoln Investor Advantage delivers what advisors need – access to solutions that can help manage the growth and protection of client assets leading up to and through retirement,” said
With Lincoln Investor Advantage, clients have access to 125 investment options from well-known investment managers, including new partners such as
Lincoln Investor AdvantageSM offers clients three ways to invest: 1) build your own portfolio, which gives clients the option to select from among the 125 individual investment options; 2) asset allocation funds, which offer a one-step approach to portfolio diversification; and 3) asset class guidance through a relationship with
Lincoln partnered with Morningstar to develop a web-based portfolio construction tool— the Lincoln Investor Advantage Visualizer—to help financial advisors create and compare sample portfolios for the new annuity, and then print detailed reports to share with their prospective clients. This tool will support advisors as they work with clients to identify their goals and the challenges clients face as they work to grow and protect their wealth.
Lincoln Investor Advantageis now available to Lincoln’s national network of distribution partners. For more information, visitwww.InvestorAdvantage.com.
Lincoln Financial Group® affiliates, their distributors, and their respective employees, representatives, and/or insurance agents do not provide tax, accounting, or legal advice. Any tax statements contained herein were not intended or written to be used, and cannot be used, for the purpose of avoiding U.S. federal, state, or local tax penalties. Please consult your own independent advisor as to any tax, accounting, or legal statements made herein.
Variable annuities are long-term investment products designed for retirement purposes and are subject to market fluctuation, investment risk, and possible loss of principal. Variable annuities contain both investment and insurance components and have fees and charges, including mortality and expense, administrative, and advisory fees. Optional features are available for an additional charge. The annuity’s value fluctuates with the market value of the underlying investment options, and all assets accumulate tax-deferred. Withdrawals of earnings are taxable as ordinary income and, if taken prior to age 59½, may be subject to an additional 10% federal tax. Withdrawals will reduce the death benefit and cash surrender value.
Investors are advised to consider the investment objectives, risks, and charges and expenses of the variable annuity and its underlying investment options carefully before investing. The applicable variable annuity prospectus contains this and other important information about the variable annuity and its underlying investment options. Please call 888-868-2583 for a free prospectus. Read it carefully before investing or sending money. Products and features are subject to state availability.
Lincoln Investor AdvantageSM variable annuities (contract form 30070-A, 30070-B, and state variations) are issued by
Contracts sold in
All contract and rider guarantees, including those for optional benefits, fixed subaccount crediting rates, or annuity payout rates, are subject to the claims-paying ability of the issuing insurance company. They are not backed by the broker-dealer or insurance agency from which this annuity is purchased, or any affiliates of those entities other than the issuing company affiliates, and none makes any representations or guarantees regarding the claims-paying ability of the issuer.
All features may not be available in all states.
Some distributors require that, at the annuitant’s age 95, the contract must annuitize. At annuitization, the contract owner will receive benefit payments under the base contract, and all such payments will be treated as annuity payments. Please contact Lincoln prior to the annuity date/contract maturity date to discuss options, including changing the annuitant.
There is no additional tax-deferral benefit for an annuity contract purchased in an IRA or other tax-qualified plan.
Wilshire Funds Management is a business unit of
The Morningstar name and trademarks are used under license from
Lincoln Financial Group Distribution
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