Dual Trigger account option, available with all
Lincoln Financial fixed indexed annuities, offers upside growth
potential in up, flat or down markets with 100% downside
protection
Lincoln Financial Group (NYSE: LNC) continues to innovate by
introducing the 1 Year S&P 500® Dual Trigger (Dual Trigger)
account option for its fixed indexed annuities – designed to
provide upside growth potential in up, flat and even down markets.
The Dual Trigger offers investors a dynamic solution that is
adaptive to the market, providing more growth opportunities with
100% downside protection.
This enhancement comes as consumers express concerns about
inflation (66%), losing money on investments (42%) and market
volatility (38%), according to recent data from Lincoln Financial1.
The same recent study also shows that most consumers (61%) are
looking for investments that offer an equal mix of growth and
protection.
“The demand for products that protect principal and offer growth
opportunities will continue to be strong in the coming years, with
industry experts forecasting that fixed indexed annuity sales will
reach nearly $100 billion in 20252,” said Daniel Herr, senior vice
president, Annuity Product Management at Lincoln Financial Group.
“Lincoln Financial’s product enhancements are designed to help meet
market needs by simplifying strategies to allow investors
opportunities to grow their account value while remaining protected
against volatility.”
In addition to the Dual Trigger option, Lincoln is introducing
the 1 Year S&P 500® 10% Daily Risk Control Trigger for Lincoln
OptiBlend® fixed indexed annuity to offer opportunities for more
growth potential in up or flat markets. With a trigger on the
S&P 500® 10% Daily Risk Control index, clients may have the
potential for a higher trigger crediting rate than one associated
with the traditional S&P 500® index.
Lincoln Financial fixed indexed annuities offer a variety of
crediting strategies to support individuals’ unique investing
goals.
“Approximately 4.1 million Americans will turn 65 this year –
and every year through 20273. As this historic surge reaches
retirement age, Lincoln Financial is committed to helping investors
protect their hard-earned savings,” said Tim Seifert, senior vice
president and head of Retirement Solutions Distribution at Lincoln
Financial Group. “With these new crediting strategies, financial
professionals can provide clients with more choices to build wealth
and confidence, no matter how the market performs.”
As the most trusted annuity provider among all financial
professionals4, Lincoln Financial continues to broaden its annuity
product portfolio to help clients reach their retirement income
goals. In 2023, Lincoln Financial worked with over 22,000 financial
professionals to provide new annuity contracts to clients.
For more information about Lincoln Financial fixed indexed
annuities, visit:
https://www.lincolnfinancial.com/public/individuals/products/annuities/fixedindexedannuities
About Lincoln Financial Group
Lincoln Financial Group helps people to plan, protect and retire
with confidence. As of December 31, 2023, approximately 17 million
customers trust our guidance and solutions across four core
businesses – annuities, life insurance, group protection, and
retirement plan services. As of December 31, 2023, the company had
$295 billion in end-of-period account balances, net of reinsurance.
Headquartered in Radnor, Pa., Lincoln Financial Group is the
marketing name for Lincoln National Corporation (NYSE: LNC) and its
affiliates. Learn more at LincolnFinancial.com.
1Source: Lincoln Financial Consumer Sentiment Tracker, January
2024 2Source: LIMRA, U.S. Individual Annuity Sales Survey, January
2024 3Source: Retirement Income Institute, Alliance for Lifetime
Income, Research Paper January 2024 4Source: Cogent Syndicated,
Annuity Brandscape®, November 2022
Important information:
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 professional 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.
Lincoln OptiBlend® fixed indexed annuities (contract form
ICC1515-619 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.
This annuity does not participate directly in any stock or
equity investment and does not include the purchase of shares of
stock or an index. The indexed accounts use an outside market index
as a benchmark for determining indexed account earnings. Any
dividends paid on the stocks on which the index is based do not
increase the annuity earnings. All payments and values provided by
the contract, when based on performance of the indexed account, are
not guaranteed to be equivalent to the benchmarking index. The
composition of the index and the methodology used by the index to
calculate its performance are not guaranteed and may be changed at
any time by the index provider.
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.
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. The S&P 500® Index, the
S&P 500® Daily Risk Control 5% Index and the S&P 500® Daily
Risk Control 10% Index are products of S&P Dow Jones Indices
LLC, a division of S&P Global, or its affiliates (“SPDJI”), and
have been licensed for use by The Lincoln National Life Insurance
Company. Standard & Poor’s®, S&P®, S&P 500® and S&P
500® Daily Risk Control are registered trademarks of Standard &
Poor’s Financial Services LLC, a division of S&P Global
(“S&P”); Dow Jones® is a registered trademark of Dow Jones
Trademark Holdings LLC (“Dow Jones”); and these trademarks have
been licensed for use by SPDJI and sublicensed for certain purposes
by The Lincoln National Life Insurance Company. The Lincoln
National Life Insurance Company’s products are not sponsored,
endorsed, sold or promoted by SPDJI, Dow Jones, S&P, their
respective affiliates, and none of such parties make any
representation regarding the advisability of investing in such
products, nor do they have any liability for any errors, omissions,
or interruptions of the S&P 500® Index, the S&P 500® Daily
Risk Control 5% Index, or the S&P 500® Daily Risk Control 10%
Index.
Product and features are subject to state availability.
Limitations and exclusions may apply. Not available in New
York.
LCN-6411894-022024
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version on businesswire.com: https://www.businesswire.com/news/home/20240313489783/en/
Media: Mallory Horshaw Mallory.Horshaw@lfg.com
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