|
Single
Life |
Joint
Life |
Current Initial Annual Charge |
|
|
Single Life PAI Rate |
Joint Life PAI Rate | ||
Age |
PAI Rate |
Age |
PAI Rate |
59 – 64 |
4.25% |
59 – 64 |
4.10% |
65 – 69 |
6.00% |
65 – 69 |
5.50% |
70 – 74 |
6.15% |
70 – 74 |
5.60% |
75+ |
6.30% |
75+ |
5.85% |
Single Life PAI Rate |
Joint Life PAI Rate | ||
Age |
PAI Rate |
Age |
PAI Rate |
59 – 64 |
4.75% |
59 – 64 |
4.35% |
65 – 69 |
6.10% |
65 – 69 |
5.60% |
70 – 74 |
6.30% |
70 – 74 |
5.85% |
75+ |
6.55% |
75+ |
6.10% |
TABLE A |
TABLE B | ||||
Age |
Single Life
Option |
Joint Life
Option |
Age |
Single Life
Option |
Joint Life
Option |
59 – 64 |
5.70% |
5.20% |
59 – 64 |
3.00% |
3.00% |
65 – 69 |
7.65% |
7.10% |
65 – 69 |
4.50% |
4.25% |
70 – 74 |
7.90% |
7.15% |
70 – 74 |
4.50% |
4.25% |
75+ |
8.00% |
7.40% |
75+ |
4.50% |
4.25% |
TABLE A |
TABLE B | ||||
Age |
Single Life
Option |
Joint Life
Option |
Age |
Single Life
Option |
Joint Life
Option |
59 – 64 |
5.65% |
5.25% |
59 – 64 |
3.50% |
3.25% |
65 – 69 |
7.50% |
7.10% |
65 – 69 |
5.00% |
4.50% |
70 – 74 |
7.75% |
7.15% |
70 – 74 |
5.00% |
4.50% |
75+ |
7.85% |
7.50% |
75+ |
5.00% |
4.50% |
TABLE A |
TABLE B | ||||
Age |
Single Life
Option |
Joint Life
Option |
Age |
Single Life
Option |
Joint Life
Option |
59 – 64 |
5.70% |
5.20% |
59 – 64 |
3.00% |
3.00% |
65 – 69 |
8.30% |
7.90% |
65 – 69 |
3.50% |
3.25% |
70 – 74 |
8.55% |
8.10% |
70 – 74 |
3.50% |
3.25% |
75+ |
8.80% |
8.30% |
75+ |
3.50% |
3.25% |
TABLE A |
TABLE B | ||||
Age |
Single Life
Option |
Joint Life
Option |
Age |
Single Life
Option |
Joint Life
Option |
59 – 64 |
5.65% |
5.25% |
59 – 64 |
3.50% |
3.25% |
65 – 69 |
8.50% |
8.10% |
65 – 69 |
3.50% |
3.25% |
70 – 74 |
8.75% |
8.30% |
70 – 74 |
3.50% |
3.25% |
75+ |
9.00% |
8.50% |
75+ |
3.50% |
3.25% |
i4LIFE® Advantage Select Guaranteed Income Benefit for Contractowners who transition from Lincoln
ProtectedPay Select Core® |
Single
Life |
Joint
Life |
Current Initial Annual Charge |
|
|
i4LIFE® Advantage Guaranteed Income Benefit (Managed Risk) for Contractowners who transition from Lin-
coln ProtectedPay Secure Core® |
Single
Life |
Joint
Life |
Current Initial Annual Charge |
|
|
|
|
|
Single Life GIB % |
Joint Life GIB % | ||
Age |
GIB % |
Age |
GIB % |
Under 40 |
2.15% |
Under 40 |
2.15% |
40 – 54 |
2.50% |
40 – 54 |
2.25% |
55 – 58 |
2.50% |
55 – 58 |
2.25% |
59 – 64 |
3.25% |
59 – 64 |
2.75% |
65 – 69 |
4.25% |
65 – 69 |
3.25% |
70 – 74 |
4.50% |
70 – 74 |
3.75% |
75 – 79 |
4.75% |
75 – 79 |
4.00% |
80+ |
4.75% |
80+ |
4.25% |
Single Life GIB % |
Joint Life GIB % | ||
Age |
GIB % |
Age |
GIB % |
Under 40 |
2.25% |
Under 40 |
2.25% |
40 – 54 |
2.75% |
40 – 54 |
2.50% |
55 – 58 |
3.00% |
55 – 58 |
2.75% |
59 – 64 |
3.75% |
59 – 64 |
3.25% |
65 – 69 |
4.75% |
65 – 69 |
4.00% |
70 – 74 |
5.25% |
70 – 74 |
4.25% |
75 – 79 |
5.50% |
75 – 79 |
4.50% |
80+ |
5.50% |
80+ |
4.75% |
|
Single
Life |
Joint
Life |
Current Initial Annual Charge |
|
|
Single Life PAI Rate |
Joint Life PAI Rate | ||
Age |
PAI Rate |
Age |
PAI Rate |
55 – 58 |
2.50% |
55 – 58 |
2.25% |
59 – 64 |
4.35% |
59 – 64 |
3.85% |
65 – 69 |
5.50% |
65 – 69 |
4.75% |
70 – 74 |
5.50% |
70 – 74 |
4.85% |
75+ |
5.65% |
75+ |
5.15% |
i4LIFE® Advantage Guaranteed Income Benefit (Managed Risk) for Contractowners who transition from Lin-
coln Lifetime IncomeSM Advantage 2.0 (Managed Risk) |
Single
Life |
Joint
Life |
Current Initial Annual Charge |
|
|
Single Life GIB % |
Joint Life GIB % | ||
Age |
GIB % |
Age |
GIB % |
Under 40 |
2.00% |
Under 40 |
2.00% |
40 – 54 |
2.50% |
40 – 54 |
2.20% |
55 – 58 |
2.50% |
55 – 58 |
2.20% |
Single Life GIB % |
Joint Life GIB % | ||
Age |
GIB % |
Age |
GIB % |
59 – 64 |
3.25% |
59 – 64 |
2.75% |
65 – 69 |
4.25% |
65 – 69 |
3.50% |
70 – 74 |
4.75% |
70 – 74 |
3.75% |
75 – 79 |
5.00% |
75 – 79 |
4.00% |
80+ |
5.00% |
80+ |
4.25% |
|
Single
Life |
Joint
Life |
Current Initial Annual Charge |
|
|
Single Life PAI Rate |
Joint Life PAI Rate | ||
Age |
PAI Rate |
Age |
PAI Rate |
55 – 58 |
2.25% |
55 – 58 |
2.00% |
59 – 64 |
3.75% |
59 – 64 |
3.25% |
65 – 69 |
5.00% |
65 – 69 |
4.35% |
70 – 74 |
5.10% |
70 – 74 |
4.45% |
75+ |
5.25% |
75+ |
4.75% |
i4LIFE® Advantage Select Guaranteed Income Benefit for Contractowners who transition from Lincoln Market
Select® Advantage |
Single
Life |
Joint
Life |
Current Initial Annual Charge |
|
|
Single Life GIB % |
Joint Life GIB % | ||
Age |
GIB % |
Age |
GIB % |
Under 40 |
2.00% |
Under 40 |
2.00% |
40-54 |
2.25% |
40-54 |
2.00% |
55-58 |
2.25% |
55-58 |
2.00% |
Single Life GIB % |
Joint Life GIB % | ||
Age |
GIB % |
Age |
GIB % |
59-64 |
3.00% |
59-64 |
2.50% |
65-69 |
3.75% |
65-69 |
2.75% |
70-74 |
4.00% |
70-74 |
3.25% |
75-79 |
4.25% |
75-79 |
3.50% |
80+ |
4.25% |
80+ |
3.75% |
|
Single
Life |
Joint
Life |
Current Initial Annual Charge |
|
|
TABLE A |
TABLE B | ||||
Age |
Single Life
Option |
Joint Life
Option |
Age |
Single Life
Option |
Joint Life
Option |
59 – 64 |
5.00% |
4.50% |
59 – 64 |
3.00% |
2.75% |
65 – 69 |
7.50% |
7.00% |
65 – 69 |
3.00% |
2.75% |
70 – 74 |
8.00% |
7.50% |
70 – 74 |
3.00% |
2.75% |
75 – 79 |
8.00% |
7.50% |
75 – 79 |
3.00% |
2.75% |
80 + |
8.00% |
7.50% |
80 + |
3.00% |
2.75% |
Age at Issue 0 – 65 |
|
|
Age at Issue 66 – 80 |
|
|
Age |
PAI Rate |
0 – 54 |
4.50% |
55 – 58 |
5.00% |
59 – 69 |
5.50% |
70+ |
6.00% |
|
Single
Life |
Joint
Life |
Current Initial Annual Charge |
|
|
i4LIFE® Advantage Select Guaranteed Income Benefit for Contractowners who transition from 4LATER®
Select Advantage |
Single
Life |
Joint
Life |
Current Initial Annual Charge |
|
|
Single Life GIB % |
Joint Life GIB % | ||
Age |
GIB % |
Age |
GIB % |
Under 40 |
2.15% |
Under 40 |
2.15% |
40-54 |
2.50% |
40-54 |
2.25% |
55-58 |
2.50% |
55-58 |
2.25% |
59-64 |
3.25% |
59-64 |
2.75% |
65-69 |
4.25% |
65-69 |
3.25% |
70-74 |
4.50% |
70-74 |
3.75% |
75-79 |
4.75% |
75-79 |
4.00% |
80+ |
4.75% |
80+ |
4.25% |
|
Single Life |
Joint Life |
Current Initial Annual Charge* |
|
|
Single Life GIB Percentage |
Joint Life GIB Percentage | ||
Age |
GIB Percentage |
Age |
GIB Percentage |
Under 40 |
2.25% |
Under 40 |
2.25% |
40 – 54 |
2.75% |
40 – 54 |
2.50% |
55 – 58 |
3.00% |
55 – 58 |
2.75% |
59 – 64 |
3.75% |
59 – 64 |
3.25% |
65 – 69 |
4.75% |
65 – 69 |
4.00% |
70 – 74 |
5.25% |
70 – 74 |
4.25% |
75 – 79 |
5.50% |
75 – 79 |
4.50% |
80+ |
5.50% |
80+ |
4.75% |
Single Life GIB Percentage |
Joint Life GIB Percentage | ||
Age |
GIB Percentage |
Age |
GIB Percentage |
Under 40 |
2.50% |
Under 40 |
2.50% |
40-54 |
3.00% |
40-54 |
3.00% |
55-58 |
3.50% |
55-58 |
3.50% |
59-64 |
4.00% |
59-69 |
4.00% |
65-69 |
4.50% |
70-74 |
4.50% |
70-79 |
5.00% |
75-79 |
5.00% |
80+ |
5.50% |
80+ |
5.50% |
Item |
Page |
4 | |
6 | |
8 | |
10 | |
12 | |
14 | |
16 | |
20 | |
21 | |
23 | |
25 | |
27 | |
30 | |
35 | |
36 | |
43 | |
47 | |
51 | |
57 | |
59 | |
60 | |
61 | |
67 | |
67 | |
67 | |
68 | |
68 | |
68 | |
A-1 | |
B-1 | |
C-1 | |
D-1 | |
E-1 | |
F-1 | |
G-1 |
|
FEES AND EXPENSES |
Location in
Prospectus |
Charges for Early
Withdrawals |
There are no surrender charges associated with the Contract. |
•N/A |
Transaction
Charges |
There are no sales charges associated with the Contract. |
•N/A |
Ongoing Fees and
Expenses (annual
charges) |
Minimum and Maximum Annual Fee Table. The table below describes the fees and
expenses that you may pay each year, depending on the options you choose. Please
refer to your contract specifications page for information about the specific fees you will
pay each year based on the options you have elected. These charges do not reflect any
advisory fees paid to a financial intermediary from Contract Value or other assets of the
Contractowner. If such charges were reflected, the ongoing fees and expense would be
higher. |
•Fee Tables •Examples •Charges and
Other
Deductions | ||
|
Annual Fee |
Minimum |
Maximum |
|
|
Base Contract |
|
|
|
|
Investment options (fund fees and
expenses) |
|
|
|
|
Optional benefits available for an
additional charge (for a single optional
benefit, if elected) |
|
|
|
|
|
| ||
|
|
|
|
Lowest and Highest Annual Cost Table. Because your Contract is customizable, the
choices you make affect how much you will pay. To help you understand the cost of
owning your Contract, the following table shows the lowest and highest cost you could
pay each year, based on current charges. This estimate assumes that you do not take
withdrawals from the Contract. |
| ||
|
Lowest Annual Cost: $ |
Highest Annual Cost: $ |
| |
|
Assumes: |
Assumes: |
| |
|
•Investment of $100,000 •5% annual appreciation •Least expensive fund fees and
expenses •No optional benefits •No additional Purchase Payments,
transfers, or withdrawals •No sales charges or advisory fees |
•Investment of $100,000 •5% annual appreciation •Most expensive combination of
optional benefits and fund fees and
expenses •No additional Purchase Payments,
transfers, or withdrawals •No sales charges or advisory fees |
|
|
RISKS |
Location in
Prospectus | ||
Risk of Loss |
• |
•Principal Risks •Investments of
the Variable
Annuity
Account |
|
RISKS |
Location in
Prospectus |
Not a Short-Term
Investment |
|
•Principal Risks •Surrender and
Withdrawals •Fee Tables •Living Benefit
Riders | ||
Risks Associated
with Investment
Options |
|
•Principal Risks •Investments of
the Variable
Annuity
Account | ||
Insurance
Company Risks |
•
|
•Principal Risks |
|
RESTRICTIONS |
Location in
Prospectus | ||
Investments |
|
•Principal Risks •Investments of
the Variable
Annuity
Account | ||
Optional Benefits |
|
•The Contracts •Living Benefit
Riders •Death Benefits •Advisory Fee
Withdrawals •Federal Tax
Matters –
Payment of
Investment
Advisory Fees •Appendix B –
Investment
Requirements •Appendix C –
Discontinued
Living Benefit
Riders | ||
|
TAXES |
Location in
Prospectus | ||
Tax Implications |
|
•Federal Tax
Matters |
|
CONFLICTS OF INTEREST |
Location in
Prospectus | ||
Exchanges |
•
|
•The Contracts -
Replacement
of Existing
Insurance |
There are |
|
Administrative Expense (Annual Account Fee):1 |
|
$ |
Base Contract Expenses (as a percentage of average Account Value in the Subaccounts) |
|
|
Guarantee of Principal Death Benefit2,3, 4
|
|
|
Age at Issue 1 - 80 |
|
|
Age at Issue 81 – 85 |
|
|
|
Single
Life |
Joint
Life |
Optional Benefit Expenses (Protected Lifetime Income Fees) |
|
|
Highest Anniversary Death Benefit5 |
|
|
Guaranteed Maximum Annual Charge |
|
|
Current Annual Charge |
|
|
Lincoln ProtectedPay® lifetime income suite:6, 7 |
|
|
Guaranteed Maximum Annual Charge |
|
|
Lincoln Lifetime IncomeSM Advantage 2.0 (Managed Risk):6, 7
|
|
|
Guaranteed Maximum Annual Charge |
|
|
Lincoln Market Select® Advantage:6, 7
|
|
|
Guaranteed Maximum Annual Charge |
|
|
Lincoln Max 6 SelectSM Advantage:6, 7
|
|
|
Guaranteed Maximum Annual Charge |
|
|
Lincoln Wealth PassSM:6, 8
|
|
|
Guaranteed Maximum Annual Charge |
|
|
Age at Issue 0 – 65 |
|
N/A |
Age at Issue 66 – 80 |
|
N/A |
4LATER® Select Advantage riders elected on or after |
|
|
Guaranteed Maximum Annual Charge |
|
|
4LATER® Select Advantage riders elected prior to |
|
|
Guaranteed Maximum Annual Charge |
|
|
i4LIFE® Advantage:10
|
|
|
Current Charge |
|
|
i4LIFE® Advantage Guaranteed Income Benefit (Managed Risk):6, 11
|
|
|
Guaranteed Maximum Annual Charge |
|
|
|
Single
Life |
Joint
Life |
i4LIFE® Advantage Select Guaranteed Income Benefit:11
|
|
|
Guaranteed Maximum Annual Charge |
|
|
Current Charge |
|
|
Annual Fund Expenses |
Minimum |
Maximum |
|
% |
% |
Expenses that are deducted from the fund assets, including
management fees, distribution and/or service (12b-1) fees, and other
expenses after any waivers or expense reimbursements.1 |
0.23
% |
1.25
% |
1 year |
3 years |
5 years |
10 years |
$ |
$ |
$ |
$ |
1 year |
3 years |
5 years |
10 years |
$ |
$ |
$ |
$ |
1 year |
3 years |
5 years |
10 years |
$ |
$ |
$ |
$ |
1 year |
3 years |
5 years |
10 years |
$ |
$ |
$ |
$ |
Age at Issue 1 – 80 |
0.50
%* |
Age at Issue 81 – 85 |
0.70
%* |
Standard Benefits | |||
Name of Benefit |
Purpose |
Maximum Fee |
Brief Description of Restrictions /
Limitations |
|
|
•
1 - 80) •
81 - 85) |
•
|
|
|
|
•
|
|
|
|
•
|
|
|
|
•
|
|
|
|
|
Optional Benefits – Available for Election | |||
Name of Benefit |
Purpose |
Maximum Fee |
Brief Description of Restrictions /
Limitations |
|
|
• |
|
|
|
•
Joint Life Options (as a percentage of
the Protected
Income Base) |
|
|
|
•
Joint Life Options (as a percentage of the
Protected Income
Base) |
|
|
|
•i4LIFE® Advantage:
the base contract
expense for the
Death Benefit you
have elected. •Guaranteed Income
Benefit (Managed
Risk):
(single life option);
option) |
|
Optional Benefits – No Longer Available for Election | |||
Name of Benefit |
Purpose |
Maximum Fee |
Brief Description of Restrictions /
Limitations |
|
|
•
Option •
Option (as a percentage of
the Protected
Income Base) |
|
|
|
•
Option •
Option (as a percentage of
the Protected
Income Base) |
|
|
|
•
Option •
Option (as a percentage of
the Protected
Income Base) |
|
|
|
•
percentage of
Protected Amount) |
|
Optional Benefits – No Longer Available for Election | |||
Name of Benefit |
Purpose |
Maximum Fee |
Brief Description of Restrictions /
Limitations |
|
|
•Select Guaranteed
Income Benefit:
option);
(joint life option) *The Guaranteed
Income Benefit
charge is in addition
to the i4LIFE®
Advantage charge
and your base
contract expense. |
|
upon death of: |
and... |
and... |
Death Benefit proceeds pass to: |
Contractowner |
There is a surviving joint owner |
The Annuitant is living or deceased |
Joint owner |
Contractowner |
There is no surviving joint owner |
The Annuitant is living or deceased |
Designated Beneficiary |
Contractowner |
There is no surviving joint owner
and the Beneficiary predeceases the
Contractowner |
The Annuitant is living or deceased |
Contractowner's estate |
Annuitant |
The Contractowner is living |
There is no contingent Annuitant |
The youngest Contractowner
becomes the contingent Annuitant
and the Contract continues. The
Contractowner may waive* this
continuation and receive the Death
Benefit proceeds. |
Annuitant |
The Contractowner is living |
The contingent Annuitant is living |
Contingent Annuitant becomes the
Annuitant and the Contract
continues |
Annuitant |
The Contractowner is a trust or
other non-natural person** |
No contingent Annuitant allowed
with non-natural Contractowner |
Designated Beneficiary |
July 3, 2024 – Initial deposit/Contract Value |
$100,000 |
July 3, 2034 – Contract Value |
$125,000 |
July 3, 2038 – Contract Value |
$123,500 |
|
Contract
Value |
Protected Income Base |
Enhancement Base |
Enhancement Value |
At issue |
$100,000 |
$100,000 |
$100,000 |
$100,000 |
1st Benefit Year
anniversary |
$104,000 |
$106,000 |
$100,000 |
$106,000 |
2nd Benefit Year
anniversary |
$115,000 |
$115,000 |
$100,000 |
$112,000 |
3rd Benefit Year
anniversary |
$116,000 |
$118,000 |
$100,000 |
$118,000 |
Contract Value on the rider's effective date |
$200,000 |
Protected Income Base, Enhancement Base and Enhancement
Value on the rider's effective date |
$200,000 |
Initial Protected Annual Income amount on the rider's effective
date ($200,000 x 5%) |
$10,000 |
Contract Value six months after rider's effective date |
$210,000 |
Protected Income Base, Enhancement Base and Enhancement
Value six months after rider's effective date |
$200,000 |
Withdrawal six months after rider's effective date |
$10,000 |
Contract Value after withdrawal ($210,000 - $10,000) |
$200,000 |
Protected Income Base, Enhancement Base and Enhancement
Value after withdrawal ($200,000 - $0) |
$200,000 |
Contract Value on first Benefit Year anniversary |
$205,000 |
Protected Income Base first Benefit Year anniversary |
$205,000 |
Enhancement Value and Enhancement Base on first Benefit Year
anniversary |
$200,000 |
Protected Annual Income amount on first Benefit Year anniversary
($205,000 x 5%) |
$10,250 |
|
Contract
Value |
Protected Income Base |
At issue |
$50,000 |
$50,000 |
1st Benefit Year anniversary |
$54,000 |
$54,000 |
2nd Benefit Year anniversary |
$53,900 |
$56,700 |
|
Minimum Access Period |
Maximum Access Period |
i4LIFE® Advantage (without a Guaranteed Income
Benefit) for new elections on and after November 20,
2023 |
10 years |
The length of time between
your age and age 115 for
nonqualified contracts; age
100 for qualified contracts |
i4LIFE® Advantage (without a Guaranteed Income
Benefit) for elections prior to November 20, 2023 |
5 years |
The length of time between
your age and age 115 for
nonqualified contracts; age
100 for qualified contracts |
Select Guaranteed Income Benefit or Guaranteed Income
Benefit (Managed Risk) |
Longer of 20 years or the difference between your age
(nearest birthday) and age 90 |
To age 115 for nonqualified
contracts; to age 100 for
qualified contracts |
|
Tier 1 |
Tier 2 |
Minimum Threshold Value |
$500,000 |
$1,000,000 |
Credit Percentage (Annually) |
0.10% |
0.20% |
Credit Percentage (Quarterly) |
0.025% |
0.050% |
Account Value (equals Contract Value on date i4LIFE® Advantage
Guaranteed Income Benefit is elected) |
$100,000 |
|
Protected Income Base on date i4LIFE® Advantage Guaranteed
Income Benefit is elected: |
$140,000 |
|
Initial Regular Income Payment |
$5,411 |
|
Initial Guaranteed Income Benefit (4.5% x $140,000 Protected
Income Base which is greater than $100,000 Account Value) |
$6,300 |
|
i4LIFE® Account Value before market decline |
$135,000 |
i4LIFE® Account Value after market decline |
$100,000 |
Monthly Guaranteed Income Benefit |
$810 |
Monthly Regular Income Payment after market decline |
$769 |
Account Value after market decline and Guaranteed Income Benefit
payment |
$99,190 |
8/1/2024 Amount of initial Regular Income Payment |
$4,801 |
8/1/2024 Account Value at election of Select Guaranteed Income Benefit |
$100,000 |
8/1/2024 Initial Guaranteed Income Benefit (4% x $100,000 Account Value) |
$4,000 |
8/1/2025 Recalculated Regular Income Payment |
$6,000 |
8/1/2025 Guaranteed Income Benefit after step-up (75% of $6,000) |
$4,500 |
If your Prior Rider is... |
you will transition to… |
•Lincoln ProtectedPay Secure Core®
•Lincoln Lifetime IncomeSM Advantage 2.0 (Managed Risk) |
Guaranteed Income Benefit (Managed Risk) |
•Lincoln ProtectedPay Select Core®
•Lincoln Market Select® Advantage •4LATER® Select Advantage |
Select Guaranteed Income Benefit |
Minimum Access Period | ||
|
Elections of i4LIFE® Advantage prior
to the 5th Benefit Year anniversary |
Elections of i4LIFE® Advantage on and
after the 5th Benefit Year anniversary |
Purchasers of: •Lincoln Lifetime IncomeSM Advantage
2.0 (Managed Risk) prior to May 18,
2020 |
Longer of 20 years or the difference
between your age and age 90 |
Longer of 15 years or the difference
between your age and age 85 |
Purchasers of: •Lincoln ProtectedPay Secure Core®
•Lincoln ProtectedPay Select Core®
•Lincoln Lifetime IncomeSM Advantage
2.0 (Managed Risk) on or after May 18,
2020 •Lincoln Market Select® Advantage •4LATER® Select Advantage |
Longer of 20 years or the difference
between your age and age 90 |
N/A |
i4LIFE® Advantage Guarantee of Principal Death Benefit |
$200,000 |
|
Regular Income Payment |
$25,000 |
|
Account Value at the time of additional withdrawal |
$150,000 |
|
Additional withdrawal |
$15,000 |
($15,000/$150,000=10% withdrawal) |
|
|
|
Death Benefit Value after Regular Income Payment = $200,000 - $25,000 = $175,000 | ||
Reduction in Death Benefit value for withdrawal = $175,000 x 10% = $17,500 | ||
Death Benefit Value after additional withdrawal = $175,000 - $17,500 = $157,500 |
i4LIFE® Regular Income Payment before additional withdrawal |
$1,200 |
|
Guaranteed Income Benefit before additional withdrawal |
$900 |
|
Account Value at time of additional withdrawal |
$150,000 |
|
Additional withdrawal |
$15,000 |
(a 10% withdrawal) |
|
|
|
Reduction in Guaranteed Income Benefit for additional withdrawal = $900 x 10% = $90 | ||
Guaranteed Income Benefit after additional withdrawal = $900 - $90 = $810 |
|
Fund and
Adviser/Sub-adviser1 |
Current Expenses |
Average Annual Total
Returns (as of 12/31/2023) | ||
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1 year |
5 year |
10 year |
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N/A |
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- |
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Investment Objective |
Fund and
Adviser/Sub-adviser1 |
Current Expenses |
Average Annual Total
Returns (as of 12/31/2023) | ||
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1 year |
5 year |
10 year |
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advised by
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advised by
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advised by
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Investment Objective |
Fund and
Adviser/Sub-adviser1 |
Current Expenses |
Average Annual Total
Returns (as of 12/31/2023) | ||
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1 year |
5 year |
10 year |
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N/A |
N/A |
N/A |
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This fund will be available on or about
May 20, 2024. Please consult your
registered representative. |
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N/A |
N/A |
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N/A |
N/A |
N/A |
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This fund will be available on or about
May 20, 2024. Please consult your
registered representative. |
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N/A |
N/A |
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This fund will be available on or about
May 20, 2024. Please consult your
registered representative. |
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advised by
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This fund will be available on or about
May 20, 2024. Please consult your
registered representative. |
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N/A |
N/A |
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This fund will be available on or about
May 20, 2024. Please consult your
registered representative. |
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N/A |
N/A |
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This fund will be available on or about
May 20, 2024. Please consult your
registered representative. |
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N/A |
N/A |
Investment Objective |
Fund and
Adviser/Sub-adviser1 |
Current Expenses |
Average Annual Total
Returns (as of 12/31/2023) | ||
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1 year |
5 year |
10 year |
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N/A |
N/A |
N/A |
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advised by
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(formerly American Century VP
Balanced Fund)
advised by
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advised by
This fund will be available on or about
May 20, 2024. Please consult your
registered representative. |
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advised by
This fund will be available on or about
May 20, 2024. Please consult your
registered representative. |
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advised by
This fund will be available on or about
May 20, 2024. Please consult your
registered representative. |
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advised by
This fund will be available on or about
May 20, 2024. Please consult your
registered representative. |
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(formerly American Century VP Large
Company Value Fund)
advised by
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Investment Objective |
Fund and
Adviser/Sub-adviser1 |
Current Expenses |
Average Annual Total
Returns (as of 12/31/2023) | ||
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1 year |
5 year |
10 year |
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advised by
This fund will be available on or about
May 20, 2024. Please consult your
registered representative. |
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advised by
This fund will be available on or about
May 20, 2024. Please consult your
registered representative. |
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advised by
This fund will be available on or about
May 20, 2024. Please consult your
registered representative. |
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advised by
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advised by
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advised by
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N/A |
N/A |
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advised by
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advised by
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N/A |
N/A |
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advised by
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N/A |
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advised by
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Investment Objective |
Fund and
Adviser/Sub-adviser1 |
Current Expenses |
Average Annual Total
Returns (as of 12/31/2023) | ||
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1 year |
5 year |
10 year |
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advised by
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advised by
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N/A |
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advised by
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advised by
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advised by
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advised by
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advised by
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advised by
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N/A |
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advised by
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advised by
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advised by
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Investment Objective |
Fund and
Adviser/Sub-adviser1 |
Current Expenses |
Average Annual Total
Returns (as of 12/31/2023) | ||
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1 year |
5 year |
10 year |
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advised by
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advised by
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advised by
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advised by
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advised by
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advised by
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advised by
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(formerly LVIP Delaware Diversified
Floating Rate Fund)
advised by
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(formerly LVIP Delaware Diversified
Income Fund)
advised by
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(formerly LVIP Delaware High Yield
Fund)
advised by
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Investment Objective |
Fund and
Adviser/Sub-adviser1 |
Current Expenses |
Average Annual Total
Returns (as of 12/31/2023) | ||
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1 year |
5 year |
10 year |
|
(formerly LVIP Delaware Limited-Term
Diversified Income Fund)
advised by
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(formerly LVIP Delaware SMID Cap Core
Fund)
advised by
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(formerly LVIP Delaware Wealth Builder
Fund)
advised by
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advised by
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N/A |
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advised by
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advised by
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advised by
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N/A |
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advised by
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advised by
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Investment Objective |
Fund and
Adviser/Sub-adviser1 |
Current Expenses |
Average Annual Total
Returns (as of 12/31/2023) | ||
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1 year |
5 year |
10 year |
|
advised by
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N/A |
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advised by
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advised by
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advised by
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advised by
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N/A |
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advised by
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advised by
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advised by
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advised by
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advised by
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N/A |
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advised by
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N/A |
Investment Objective |
Fund and
Adviser/Sub-adviser1 |
Current Expenses |
Average Annual Total
Returns (as of 12/31/2023) | ||
|
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|
1 year |
5 year |
10 year |
|
advised by
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advised by
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advised by
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advised by
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advised by
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N/A |
|
(formerly Delaware Ivy VIP High Income
Portfolio)
advised by
|
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N/A |
|
(formerly Delaware Ivy VIP Mid Cap
Growth Portfolio)
advised by
|
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N/A |
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advised by
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advised by |
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N/A |
N/A |
Investment Objective |
Fund and
Adviser/Sub-adviser1 |
Current Expenses |
Average Annual Total
Returns (as of 12/31/2023) | ||
|
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|
1 year |
5 year |
10 year |
|
advised by |
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N/A |
N/A |
Group 1
Investments must be at least 20% of Contract Value or Account Value |
Group 2
Investments cannot exceed 80% of Contract Value or Account Value |
American Funds Mortgage Fund
American Funds The Bond Fund of America
American Funds U.S. Government Securities Fund
LVIP BlackRock Inflation Protected Bond Fund
LVIP JPMorgan Core Bond Fund
LVIP Macquarie Diversified Floating Rate Fund
LVIP Macquarie Diversified Income Fund
LVIP Macquarie Limited-Term Diversified Income Fund
LVIP PIMCO Low Duration Bond Fund
LVIP SSGA Bond Index Fund
LVIP SSGA Short-Term Bond Index Fund
LVIP Vanguard Bond Allocation Fund
LVIP Western Asset Core Bond Fund
|
American Funds Managed Risk Asset Allocation Fund
American Funds Managed Risk Growth Fund
American Funds Managed Risk Growth-Income Fund
American Funds Managed Risk International Fund
American Funds Managed Risk Washington Mutual Investors Fund
LVIP Dimensional International Equity Managed Risk Fund
LIVP Dimensional U.S. Equity Managed Volatility Fund
LVIP Global Aggressive Growth Allocation Managed Risk Fund
LVIP Global Conservative Allocation Managed Risk Fund
LVIP Global Growth Allocation Managed Risk Fund
LVIP Global Moderate Allocation Managed Risk Fund
LVIP SSGA Global Tactical Allocation Managed Volatility Fund
LVIP U.S. Aggressive Growth Allocation Managed Risk Fund
LVIP U.S. Growth Allocation Managed Risk Fund
|
Group 1
Investments must be at least 20% of Contract Value or Account Value |
Group 2
Investments cannot exceed 80% of Contract Value or Account Value |
American Funds Mortgage Fund
American Funds The Bond Fund of America
American Funds U.S. Government Securities Fund
LVIP BlackRock Inflation Protected Bond Fund
LVIP JPMorgan Core Bond Fund
LVIP Macquarie Diversified Floating Rate Fund
LVIP Macquarie Diversified Income Fund
LVIP Macquarie Limited-Term Diversified Income Fund
LVIP PIMCO Low Duration Bond Fund
LVIP SSGA Bond Index Fund
LVIP SSGA Short-Term Bond Index Fund
LVIP Vanguard Bond Allocation Fund
LVIP Western Asset Core Bond Fund
|
American Funds Asset Allocation Fund
American Funds Capital Income Builder®
American Funds Capital World Growth and Income Fund
American Funds Global Balanced Fund
American Funds Global Growth Fund
American Funds Growth Fund
American Funds Growth-Income Fund
American Funds High-Income Trust
American Funds International Fund
American Funds International Growth and Income Fund
American Funds Managed Risk Asset Allocation Fund
American Funds Washington Mutual Investors Fund
ClearBridge Variable Large Cap Growth Portfolio
Fidelity® VIP Balanced Portfolio
Fidelity® VIP FundsManager® 50% Portfolio
First Trust Capital Strength Portfolio
First Trust Growth Strength Portfolio
First Trust International Developed Capital Strength Portfolio
First Trust/Dow Jones Dividend & Income Allocation Portfolio
Franklin Multi-Asset Variable Conservative Growth Fund
Invesco V.I. Equally-Weighted S&P 500 Fund
Invesco V.I. EQV International Equity Fund
Lincoln Hedged S&P 500 Conservative Fund
Lincoln Hedged S&P 500 Fund
Lincoln Opportunistic Hedged Equity Fund
LVIP American Balanced Allocation Fund
LVIP American Century Balanced Fund
LVIP American Century Capital Appreciation Fund
LVIP American Century Disciplined Core Value Fund
LVIP American Century Inflation Protection Fund
LVIP American Century International Fund
LVIP American Century Large Company Value Fund
LVIP American Century Mid Cap Value Fund
LVIP American Century Ultra Fund
LVIP American Century Value Fund
LVIP American Growth Allocation Fund
LVIP American Income Allocation Fund
LVIP BlackRock Global Allocation Fund |
Group 1
Investments must be at least 20% of Contract Value or Account Value |
Group 2
Investments cannot exceed 80% of Contract Value or Account Value |
|
LVIP Channing Small Cap Value Fund
LVIP Dimensional International Core Equity Fund
LVIP Dimensional U.S. Core Equity 1 Fund
LVIP Dimensional U.S. Core Equity 2 Fund
LVIP Franklin Templeton Multi-Factor International Equity Fund
LVIP Franklin Templeton Multi-Factor Large Cap Equity Fund
LVIP Franklin Templeton Multi-Factor SMID Cap Equity Fund
LVIP Global Aggressive Growth Allocation Managed Risk Fund
LVIP Global Conservative Allocation Managed Risk Fund
LVIP Global Growth Allocation Managed Risk Fund
LVIP Global Moderate Allocation Managed Risk Fund
LVIP Government Money Market Fund
LVIP JPMorgan High Yield Fund
LVIP JPMorgan Mid Cap Value Fund
LVIP JPMorgan Retirement Income Fund
LVIP JPMorgan Small Cap Core Fund
LVIP JPMorgan U.S. Equity Fund
LVIP Macquarie High Yield Fund
LVIP Macquarie Wealth Builder Fund
LVIP SSGA Conservative Index Allocation Fund
LVIP SSGA Global Tactical Allocation Managed Volatility Fund
LVIP SSGA International Index Fund
LVIP SSGA Mid-Cap Index Fund
LVIP SSGA Moderate Index Allocation Fund
LVIP SSGA Moderately Aggressive Index Allocation Fund
LVIP SSGA S&P 500 Index Fund
LVIP SSGA Small-Cap Index Fund
LVIP Structured Conservative Allocation Fund
LVIP Structured Moderate Allocation Fund
LVIP Structured Moderately Aggressive Allocation Fund
LVIP U.S. Aggressive Growth Allocation Managed Risk Fund
LVIP U.S. Growth Allocation Managed Risk Fund
LVIP Vanguard Domestic Equity ETF Fund
LVIP Vanguard International Equity ETF Fund
Macquarie VIP High Income Series
Macquarie VIP Mid Cap Growth Series
MFS® VIT Total Return Series
Putnam VT George Putnam Balanced Fund
Putnam VT Large Cap Value Fund
Putnam VT Sustainable Future Fund
Putnam VT Sustainable Leaders Fund
TOPS® Balanced ETF Portfolio
TOPS® Moderate Growth ETF Portfolio |
|
Guaranteed Maximum Annual Fee Rate* | |
Single
Life |
Joint
Life | |
Lincoln Lifetime IncomeSM Advantage 2.0 |
2.25% |
2.45% |
Lincoln Market Select® Advantage |
2.25% |
2.45% |
Lincoln Max 6 SelectSM Advantage |
2.25% |
2.45% |
|
Contract
Value |
Protected Income Base |
At issue |
$50,000 |
$50,000 |
1st Benefit Year anniversary |
$54,000 |
$54,000 |
2nd Benefit Year anniversary |
$53,900 |
$56,700 |
Contract Value on the rider's effective date |
$200,000 |
Protected Income Base and Enhancement Base on the rider's
effective date |
$200,000 |
Initial Protected Annual Income amount on the rider's effective
date ($200,000 x 4.00%) |
$8,000 |
Contract Value six months after rider's effective date |
$210,000 |
Protected Income Base and Enhancement Base six months after
rider's effective date |
$200,000 |
Withdrawal six months after rider's effective date |
$8,000 |
Contract Value after withdrawal ($210,000 - $8,000) |
$202,000 |
Protected Income Base and Enhancement Base after withdrawal
($200,000 - $0) |
$200,000 |
Contract Value on first Benefit Year anniversary |
$205,000 |
Protected Income Base and Enhancement Base on first Benefit
Year anniversary |
$205,000 |
Protected Annual Income amount on first Benefit Year anniversary
($205,000 x 4.00%) |
$8,200 |
|
Contract
Value |
Protected Income Base |
At issue |
$50,000 |
$50,000 |
1st Benefit Year anniversary |
$54,000 |
$54,000 |
2nd Benefit Year anniversary |
$53,900 |
$56,700 |
Contract Value on the rider’s effective date |
$200,000 |
Protected Income Base and Enhancement Base on the rider’s
effective date |
$200,000 |
Initial Protected Annual Income amount on the rider’s effective
date ($200,000 x 4%) |
$8,000 |
Contract Value six months after rider’s effective date |
$210,000 |
Protected Income Base and Enhancement Base six months after
rider’s effective date |
$200,000 |
Withdrawal six months after the rider’s effective date |
$8,000 |
Contract Value after withdrawal ($210,000 - $8,000) |
$202,000 |
Protected Income Base and Enhancement Base after withdrawal
($200,000 - $0) |
$200,000 |
Contract Value on the first Benefit Year anniversary |
$205,000 |
Protected Income Base and Enhancement Base on the first Benefit
Year anniversary |
$205,000 |
Protected Annual Income amount on the first Benefit Year
anniversary ($205,000 x 4%) |
$8,200 |
|
Contract
Value |
Protected Income Base |
At issue |
$50,000 |
$50,000 |
1st Benefit Year anniversary |
$54,000 |
$54,000 |
2nd Benefit Year anniversary |
$53,900 |
$56,700 |
Contract Value on the rider’s effective date |
$200,000 |
Protected Income Base and Enhancement Base on the rider’s
effective date |
$200,000 |
Initial Protected Annual Income amount on the rider’s effective
date ($200,000 x 4%) |
$8,000 |
Contract Value six months after rider’s effective date |
$210,000 |
Protected Income Base and Enhancement Base six months after
rider’s effective date |
$200,000 |
Withdrawal six months after rider’s effective date |
$8,000 |
Contract Value after withdrawal ($210,000 - $8,000) |
$202,000 |
Protected Income Base and Enhancement Base after withdrawal
($200,000 - $0) |
$200,000 |
Contract Value on the first Benefit Year anniversary |
$205,000 |
Protected Income Base and Enhancement Base on the first Benefit
Year anniversary |
$205,000 |
Protected Annual Income amount on the first Benefit Year
anniversary ($205,000 x 4%) |
$8,200 |
Contract Value on the rider’s effective date |
$200,000 |
Protected Amount on the rider’s effective date |
$200,000 |
Initial Protected Annual Income amount on the rider’s effective
date |
$10,000 |
Contract Value six months after rider’s effective date |
$212,000 |
Protected Amount six months after rider’s effective date |
$200,000 |
Withdrawal six months after rider’s effective date |
$10,000 |
Contract Value after withdrawal ($212,000 - $10,000) |
$202,000 |
Protected Amount after withdrawal ($200,000 - $10,000) |
$190,000 |
Contract Value on the first Benefit Year anniversary |
$205,000 |
Protected Amount on the first Benefit Year anniversary |
$190,000 |
Protected Annual Income amount on the first Benefit Year
anniversary |
$10,000 |
Age |
Final GMWB Payment Year |
Age |
Final GMWB Payment Year |
Age |
Final GMWB Payment Year |
0 |
82 |
28 |
55 |
56 |
28 |
1 |
81 |
29 |
54 |
57 |
27 |
2 |
80 |
30 |
53 |
58 |
27 |
3 |
79 |
31 |
52 |
59 |
26 |
4 |
78 |
32 |
51 |
60 |
25 |
5 |
77 |
33 |
50 |
61 |
24 |
6 |
76 |
34 |
49 |
62 |
23 |
7 |
75 |
35 |
48 |
63 |
22 |
8 |
74 |
36 |
47 |
64 |
21 |
9 |
73 |
37 |
46 |
65 |
21 |
10 |
72 |
38 |
45 |
66 |
20 |
11 |
71 |
39 |
44 |
67 |
19 |
12 |
70 |
40 |
43 |
68 |
18 |
13 |
69 |
41 |
42 |
69 |
17 |
14 |
68 |
42 |
41 |
70 |
17 |
15 |
67 |
43 |
40 |
71 |
16 |
16 |
66 |
44 |
39 |
72 |
15 |
17 |
66 |
45 |
38 |
73 |
14 |
18 |
65 |
46 |
37 |
74 |
14 |
19 |
64 |
47 |
37 |
75 |
13 |
20 |
63 |
48 |
36 |
76 |
12 |
21 |
62 |
49 |
35 |
77 |
12 |
22 |
61 |
50 |
34 |
78 |
11 |
23 |
60 |
51 |
33 |
79 |
10 |
24 |
59 |
52 |
32 |
80 |
10 |
25 |
58 |
53 |
31 |
81 |
9 |
26 |
57 |
54 |
30 |
|
|
Age |
Final GMWB Payment Year |
Age |
Final GMWB Payment Year |
Age |
Final GMWB Payment Year |
27 |
56 |
55 |
29 |
|
|
Single Life Option |
Joint Life Option | ||
Age |
Protected Annual
Income rate |
Age
(younger of you and
your spouse’s age) |
Protected Annual
Income rate |
59 – 64 |
4.25% |
59 – 64 |
4.10% |
65 – 69 |
6.00% |
65 – 69 |
5.50% |
70 – 74 |
6.15% |
70 – 74 |
5.60% |
75+ |
6.30% |
75+ |
5.85% |
Single Life Option |
Joint Life Option | ||
Age |
Protected Annual
Income rate |
Age
(younger of you and
your spouse’s age) |
Protected Annual
Income rate |
59 – 64 |
4.25% |
59 – 64 |
4.10% |
65 – 69 |
5.85% |
65 – 69 |
5.50% |
70 – 74 |
6.15% |
70 – 74 |
5.60% |
75+ |
6.30% |
75+ |
5.85% |
Single Life Option |
Joint Life Option | ||
Age |
Protected Annual
Income rate |
Age
(younger of you and
your spouse’s age) |
Protected Annual
Income rate |
59 – 64 |
4.25% |
59 – 64 |
4.10% |
65 – 69 |
6.00% |
65 – 69 |
5.50% |
70 – 74 |
6.05% |
70 – 74 |
5.60% |
75+ |
6.30% |
75+ |
5.85% |
Single Life Option |
Joint Life Option | ||
Age |
Protected Annual
Income rate |
Age
(younger of you and
your spouse’s age) |
Protected Annual
Income rate |
59 – 64 |
4.25% |
59 – 64 |
4.10% |
65 – 69 |
5.65% |
65 – 69 |
5.20% |
70 – 74 |
6.05% |
70 – 74 |
5.60% |
75+ |
6.30% |
75+ |
5.85% |
Single Life Option |
Joint Life Option | ||
Age |
Protected Annual
Income rate |
Age
(younger of you and
your spouse’s age) |
Protected Annual
Income rate |
59 – 64 |
4.00% |
59 – 64 |
3.60% |
65 – 69 |
5.50% |
65 – 69 |
5.00% |
70 – 74 |
5.60% |
70 – 74 |
5.10% |
75+ |
5.75% |
75+ |
5.25% |
Single Life Option |
Joint Life Option | ||
Age |
Protected Annual
Income rate |
Age
(younger of you and
your spouse’s age) |
Protected Annual
Income rate |
59 – 64 |
4.75% |
59 – 64 |
4.35% |
65 – 69 |
6.10% |
65 – 69 |
5.60% |
70 – 74 |
6.30% |
70 – 74 |
5.85% |
75+ |
6.55% |
75+ |
6.10% |
Single Life Option |
Joint Life Option | ||
Age |
Protected Annual
Income rate |
Age
(younger of you and
your spouse’s age) |
Protected Annual
Income rate |
59 – 64 |
4.75% |
59 – 64 |
4.35% |
65 – 69 |
6.00% |
65 – 69 |
5.60% |
70 – 74 |
6.30% |
70 – 74 |
5.85% |
75+ |
6.55% |
75+ |
6.10% |
Single Life Option |
Joint Life Option | ||
Age |
Protected Annual
Income rate |
Age
(younger of you and
your spouse’s age) |
Protected Annual
Income rate |
59 – 64 |
4.75% |
59 – 64 |
4.35% |
65 – 69 |
6.10% |
65 – 69 |
5.60% |
70 – 74 |
6.30% |
70 – 74 |
5.85% |
75+ |
6.55% |
75+ |
6.10% |
Single Life Option |
Joint Life Option | ||
Age |
Protected Annual
Income rate |
Age
(younger of you and
your spouse’s age) |
Protected Annual
Income rate |
59 – 64 |
4.75% |
59 – 64 |
4.35% |
65 – 69 |
5.90% |
65 – 69 |
5.45% |
70 – 74 |
6.30% |
70 – 74 |
5.85% |
75+ |
6.55% |
75+ |
6.10% |
Single Life Option |
Joint Life Option | ||
Age |
Protected Annual
Income rate |
Age
(younger of you and
your spouse’s age) |
Protected Annual
Income rate |
59 – 64 |
4.50% |
59 – 64 |
4.00% |
65 – 69 |
5.75% |
65 – 69 |
5.25% |
70 – 74 |
5.85% |
70 – 74 |
5.35% |
75+ |
6.00% |
75+ |
5.50% |
TABLE A |
TABLE B | ||||
Age
(younger of you and
your spouse’s age) |
Single Life
Option |
Joint Life
Option |
Age
(younger of you and
your spouse’s age) |
Single Life
Option |
Joint Life
Option |
59 – 64 |
5.70% |
5.20% |
59 – 64 |
3.00% |
3.00% |
65 – 69 |
7.65% |
7.10% |
65 – 69 |
4.50% |
4.25% |
70 – 74 |
7.90% |
7.15% |
70 – 74 |
4.50% |
4.25% |
75+ |
8.00% |
7.40% |
75+ |
4.50% |
4.25% |
TABLE A |
TABLE B | ||||
Age
(younger of you and
your spouse’s age) |
Single Life
Option |
Joint Life
Option |
Age
(younger of you and
your spouse’s age) |
Single Life
Option |
Joint Life
Option |
59 – 64 |
5.30% |
4.80% |
59 – 64 |
3.00% |
3.00% |
65 – 69 |
7.25% |
6.60% |
65 – 69 |
4.00% |
4.00% |
70 – 74 |
7.50% |
6.75% |
70 – 74 |
4.00% |
4.00% |
75+ |
7.60% |
7.00% |
75+ |
4.00% |
4.00% |
TABLE A |
TABLE B | ||||
Age
(younger of you and
your spouse’s age) |
Single Life
Option |
Joint Life
Option |
Age
(younger of you and
your spouse’s age) |
Single Life
Option |
Joint Life
Option |
59 – 64 |
5.30% |
4.80% |
59 – 64 |
3.00% |
3.00% |
65 – 69 |
7.00% |
6.35% |
65 – 69 |
4.00% |
4.00% |
70 – 74 |
7.15% |
6.50% |
70 – 74 |
4.00% |
4.00% |
75+ |
7.25% |
6.75% |
75+ |
4.00% |
4.00% |
TABLE A |
TABLE B | ||||
Age
(younger of you and
your spouse’s age) |
Single Life
Option |
Joint Life
Option |
Age
(younger of you and
your spouse’s age) |
Single Life
Option |
Joint Life
Option |
59 – 64 |
5.65% |
5.25% |
59 – 64 |
3.50% |
3.25% |
65 – 69 |
7.50% |
7.10% |
65 – 69 |
5.00% |
4.50% |
70 – 74 |
7.75% |
7.15% |
70 – 74 |
5.00% |
4.50% |
75+ |
7.85% |
7.50% |
75+ |
5.00% |
4.50% |
TABLE A |
TABLE B | ||||
Age
(younger of you and
your spouse’s age) |
Single Life
Option |
Joint Life
Option |
Age
(younger of you and
your spouse’s age) |
Single Life
Option |
Joint Life
Option |
59 – 64 |
5.65% |
5.15% |
59 – 64 |
3.00% |
3.00% |
65 – 69 |
7.50% |
6.85% |
65 – 69 |
4.00% |
4.00% |
70 – 74 |
7.75% |
7.00% |
70 – 74 |
4.00% |
4.00% |
75+ |
7.85% |
7.25% |
75+ |
4.00% |
4.00% |
TABLE A |
TABLE B | ||||
Age
(younger of you and
your spouse’s age) |
Single Life
Option |
Joint Life
Option |
Age
(younger of you and
your spouse’s age) |
Single Life
Option |
Joint Life
Option |
59 – 64 |
5.65% |
5.15% |
59 – 64 |
3.00% |
3.00% |
65 – 69 |
7.25% |
6.85% |
65 – 69 |
4.00% |
4.00% |
70 – 74 |
7.40% |
7.00% |
70 – 74 |
4.00% |
4.00% |
75+ |
7.50% |
7.25% |
75+ |
4.00% |
4.00% |
TABLE A |
TABLE B | ||||
Age
(younger of you and
your spouse’s age) |
Single Life
Option |
Joint Life
Option |
Age
(younger of you and
your spouse’s age) |
Single Life
Option |
Joint Life
Option |
59 – 64 |
5.70% |
5.20% |
59 – 64 |
3.00% |
3.00% |
65 – 69 |
8.30% |
7.90% |
65 – 69 |
3.50% |
3.25% |
70 – 74 |
8.55% |
8.10% |
70 – 74 |
3.50% |
3.25% |
75+ |
8.80% |
8.30% |
75+ |
3.50% |
3.25% |
TABLE A |
TABLE B | ||||
Age
(younger of you and
your spouse’s age) |
Single Life
Option |
Joint Life
Option |
Age
(younger of you and
your spouse’s age) |
Single Life
Option |
Joint Life
Option |
59 – 64 |
5.30% |
4.80% |
59 – 64 |
3.00% |
3.00% |
65 – 69 |
8.30% |
7.90% |
65 – 69 |
3.50% |
3.25% |
70 – 74 |
8.55% |
8.10% |
70 – 74 |
3.50% |
3.25% |
75+ |
8.80% |
8.30% |
75+ |
3.50% |
3.25% |
TABLE A |
TABLE B | ||||
Age
(younger of you and
your spouse’s age) |
Single Life
Option |
Joint Life
Option |
Age
(younger of you and
your spouse’s age) |
Single Life
Option |
Joint Life
Option |
59 – 64 |
5.30% |
4.80% |
59 – 64 |
3.00% |
3.00% |
65 – 69 |
8.30% |
7.90% |
65 – 69 |
3.00% |
3.00% |
70 – 74 |
8.55% |
8.10% |
70 – 74 |
3.00% |
3.00% |
75+ |
8.80% |
8.30% |
75+ |
3.00% |
3.00% |
TABLE A |
TABLE B | ||||
Age
(younger of you and
your spouse’s age) |
Single Life
Option |
Joint Life
Option |
Age
(younger of you and
your spouse’s age) |
Single Life
Option |
Joint Life
Option |
59 – 64 |
5.30% |
4.80% |
59 – 64 |
3.00% |
3.00% |
65 – 69 |
8.00% |
7.70% |
65 – 69 |
3.00% |
3.00% |
70 – 74 |
8.25% |
7.85% |
70 – 74 |
3.00% |
3.00% |
75+ |
8.40% |
8.00% |
75+ |
3.00% |
3.00% |
TABLE A |
TABLE B | ||||
Age
(younger of you and
your spouse’s age) |
Single Life
Option |
Joint Life
Option |
Age
(younger of you and
your spouse’s age) |
Single Life
Option |
Joint Life
Option |
59 – 64 |
5.65% |
5.25% |
59 – 64 |
3.50% |
3.25% |
65 – 69 |
8.50% |
8.10% |
65 – 69 |
3.50% |
3.25% |
70 – 74 |
8.75% |
8.30% |
70 – 74 |
3.50% |
3.25% |
75+ |
9.00% |
8.50% |
75+ |
3.50% |
3.25% |
TABLE A |
TABLE B | ||||
Age
(younger of you and
your spouse’s age) |
Single Life
Option |
Joint Life
Option |
Age
(younger of you and
your spouse’s age) |
Single Life
Option |
Joint Life
Option |
59 – 64 |
5.65% |
5.15% |
59 – 64 |
3.00% |
3.00% |
65 – 69 |
8.50% |
8.10% |
65 – 69 |
3.50% |
3.25% |
70 – 74 |
8.75% |
8.30% |
70 – 74 |
3.50% |
3.25% |
75+ |
9.00% |
8.50% |
75+ |
3.50% |
3.25% |
TABLE A |
TABLE B | ||||
Age
(younger of you and
your spouse’s age) |
Single Life
Option |
Joint Life
Option |
Age
(younger of you and
your spouse’s age) |
Single Life
Option |
Joint Life
Option |
59 – 64 |
5.65% |
5.15% |
59 – 64 |
3.00% |
3.00% |
65 – 69 |
8.50% |
8.10% |
65 – 69 |
3.00% |
3.00% |
70 – 74 |
8.75% |
8.30% |
70 – 74 |
3.00% |
3.00% |
75+ |
9.00% |
8.50% |
75+ |
3.00% |
3.00% |
TABLE A |
TABLE B | ||||
Age
(younger of you and
your spouse’s age) |
Single Life
Option |
Joint Life
Option |
Age
(younger of you and
your spouse’s age) |
Single Life
Option |
Joint Life
Option |
59 – 64 |
5.65% |
5.15% |
59 – 64 |
3.00% |
3.00% |
65 – 69 |
8.25% |
8.00% |
65 – 69 |
3.00% |
3.00% |
70 – 74 |
8.50% |
8.15% |
70 – 74 |
3.00% |
3.00% |
75+ |
8.65% |
8.30% |
75+ |
3.00% |
3.00% |
Single Life Option |
Joint Life Option | ||
Age |
Protected Annual Income
rate |
Age
(younger of you and
your spouse’s age) |
Protected Annual Income
rate |
55 – 58 |
2.50% |
55 – 58 |
2.25% |
59 – 64 |
4.35% |
59 – 64 |
3.85% |
65 – 69 |
5.50% |
65 – 69 |
4.75% |
70 – 74 |
5.50% |
70 – 74 |
4.85% |
Single Life Option |
Joint Life Option | ||
Age |
Protected Annual Income
rate |
Age
(younger of you and
your spouse’s age) |
Protected Annual Income
rate |
75+ |
5.65% |
75+ |
5.15% |
Single Life Option |
Joint Life Option | ||
Age |
Protected Annual Income
rate |
Age
(younger of you and
your spouse’s age) |
Protected Annual Income
rate |
55 – 58 |
2.50% |
55 – 58 |
2.25% |
59 – 64 |
4.35% |
59 – 64 |
3.85% |
65 – 69 |
5.40% |
65 – 69 |
4.65% |
70 – 74 |
5.50% |
70 – 74 |
4.75% |
75+ |
5.65% |
75+ |
5.15% |
Single Life Option |
Joint Life Option | ||
Age |
Protected Annual Income
rate |
Age
(younger of you and
your spouse’s age) |
Protected Annual Income
rate |
55 – 58 |
2.50% |
55 – 58 |
2.25% |
59 – 64 |
3.50% |
59 – 64 |
3.00% |
65+ |
5.15% |
65+ |
4.65% |
Single Life Option |
Joint Life Option | ||
Age |
Protected Annual Income
rate |
Age
(younger of you and
your spouse’s age) |
Protected Annual Income
rate |
55 – 58 |
2.50% |
55 – 58 |
2.25% |
59 – 64 |
3.50% |
59 – 64 |
3.00% |
65+ |
5.00% |
65+ |
4.50% |
Single Life Option |
Joint Life Option | ||
Age |
Protected Annual Income
rate |
Age
(younger of you and
your spouse’s age) |
Protected Annual Income
rate |
55 – 58 |
2.50% |
55 – 58 |
2.25% |
59 – 64 |
3.50% |
59 – 64 |
3.00% |
65+ |
4.75% |
65+ |
4.25% |
Single Life Option |
Joint Life Option | ||
Age |
Protected Annual Income
rate |
Age
(younger of you and
your spouse’s age) |
Protected Annual Income
rate |
55 – 58 |
2.75% |
55 – 58 |
2.50% |
59 – 64 |
3.75% |
59 – 64 |
3.25% |
65 – 69 |
5.00% |
65 – 69 |
4.50% |
70 – 74 |
5.00% |
70 – 74 |
4.50% |
75+ |
5.00% |
75+ |
4.50% |
Single Life Option |
Joint Life Option | ||
Age |
Protected Annual Income
rate |
Age
(younger of you and
your spouse’s age) |
Protected Annual Income
rate |
55 – 58 |
3.20% |
55 – 58 |
2.90% |
59 – 64 |
4.10% |
59 – 64 |
4.00% |
65 – 69 |
5.35% |
65 – 69 |
5.00% |
70 – 74 |
5.45% |
70 – 74 |
5.10% |
75+ |
5.60% |
75+ |
5.20% |
Single Life Option |
Joint Life Option | ||
Age |
Protected Annual Income
rate |
Age
(younger of you and
your spouse’s age) |
Protected Annual Income
rate |
55 – 58 |
3.50% |
55 – 58 |
3.20% |
59 – 64 |
4.40% |
59 – 64 |
4.10% |
65 – 69 |
5.50% |
65 – 69 |
5.20% |
70 – 74 |
5.60% |
70 – 74 |
5.30% |
75+ |
5.70% |
75+ |
5.40% |
Single Life Option |
Joint Life Option | ||
Age |
Protected Annual Income
rate |
Age
(younger of you and
your spouse’s age) |
Protected Annual Income
rate |
55 – 58 |
3.75% |
55 – 58 |
3.75% |
59 – 64 |
4.50% |
59 – 64 |
4.25% |
65 – 69 |
5.60% |
65 – 69 |
5.50% |
70 – 74 |
5.75% |
70 – 74 |
5.60% |
75+ |
6.00% |
75+ |
5.75% |
Single Life Option |
Joint Life Option | ||
Age |
Protected Annual Income
rate |
Age
(younger of you and
your spouse’s age) |
Protected Annual Income
rate |
55 – 58 |
3.75% |
55 – 58 |
3.75% |
59 – 64 |
4.50% |
59 – 64 |
4.25% |
65 – 69 |
5.75% |
65 – 69 |
5.50% |
70 – 74 |
5.80% |
70 – 74 |
5.60% |
75+ |
6.00% |
75+ |
5.75% |
Single Life Option |
Joint Life Option | ||
Age |
Protected Annual Income
rate |
Age
(younger of you and
your spouse’s age) |
Protected Annual Income
rate |
55 – 58 |
3.75% |
55 – 58 |
3.75% |
59 – 64 |
4.50% |
59 – 64 |
4.25% |
65 – 69 |
5.60% |
65 – 69 |
5.50% |
70 – 74 |
5.75% |
70 – 74 |
5.60% |
75+ |
6.00% |
75+ |
5.75% |
Single Life Option |
Joint Life Option | ||
Age |
Protected Annual Income
rate |
Age
(younger of you and
your spouse’s age) |
Protected Annual Income
rate |
55 – 58 |
3.75% |
55 – 58 |
3.75% |
59 – 64 |
4.50% |
59 – 64 |
4.25% |
65 – 74 |
5.60% |
65 – 74 |
5.35% |
75+ |
6.00% |
75+ |
5.75% |
Single Life Option |
Joint Life Option | ||
Age |
Protected Annual
Income rate* |
Age
(younger of you and
your spouse’s age) |
Protected Annual
Income rate* |
55 – 58 |
2.25% |
55 – 58 |
2.00% |
59 – 64 |
3.75% |
59 – 64 |
3.25% |
65 – 69 |
5.00% |
65 – 69 |
4.35% |
70 – 74 |
5.10% |
70 – 74 |
4.45% |
75+ |
5.25% |
75+ |
4.75% |
Single Life Option |
Joint Life Option | ||
Age |
Protected Annual
Income rate* |
Age
(younger of you and
your spouse’s age) |
Protected Annual
Income rate* |
55 – 58 |
2.25% |
55 – 58 |
2.00% |
59 – 64 |
3.75% |
59 – 64 |
3.25% |
65 – 69 |
5.00% |
65 – 69 |
4.25% |
70 – 74 |
5.10% |
70 – 74 |
4.35% |
75+ |
5.25% |
75+ |
4.75% |
Single Life Option |
Joint Life Option | ||
Age |
Protected Annual
Income rate* |
Age
(younger of you and
your spouse’s age) |
Protected Annual
Income rate* |
55 – 58 |
2.25% |
55 – 58 |
2.00% |
59 – 64 |
3.25% |
59 – 64 |
3.00% |
65 – 74 |
4.75% |
65 – 74 |
4.15% |
75+ |
5.00% |
75+ |
4.50% |
Single Life Option |
Joint Life Option | ||
Age |
Protected Annual
Income rate* |
Age
(younger of you and
your spouse’s age) |
Protected Annual
Income rate* |
55 – 58 |
2.25% |
55 – 58 |
2.00% |
59 – 64 |
3.25% |
59 – 64 |
3.00% |
65+ |
4.75% |
65+ |
4.15% |
Single Life Option |
Joint Life Option | ||
Age |
Protected Annual
Income rate* |
Age
(younger of you and
your spouse’s age) |
Protected Annual
Income rate* |
55 – 58 |
2.25% |
55 – 58 |
2.00% |
59 – 64 |
3.25% |
59 – 64 |
3.00% |
65+ |
4.50% |
65+ |
4.00% |
Single Life Option |
Joint Life Option | ||
Age |
Protected Annual
Income rate* |
Age
(younger of you and
your spouse’s age) |
Protected Annual
Income rate* |
55 – 58 |
2.50% |
55 – 58 |
2.25% |
59 – 64 |
3.50% |
59 – 64 |
3.00% |
65 – 69 |
4.75% |
65 – 69 |
4.25% |
70 – 74 |
4.75% |
70 – 74 |
4.25% |
75+ |
4.75% |
75+ |
4.25% |
Single Life Option |
Joint Life Option | ||
Age |
Protected Annual
Income rate* |
Age
(younger of you and
your spouse’s age) |
Protected Annual
Income rate* |
55 – 58 |
3.10% |
55 – 58 |
2.85% |
59 – 64 |
4.00% |
59 – 64 |
3.65% |
65 – 69 |
5.10% |
65 – 69 |
4.65% |
70 – 74 |
5.15% |
70 – 74 |
4.75% |
75+ |
5.55% |
75+ |
5.00% |
Single Life Option |
Joint Life Option | ||
Age |
Protected Annual
Income rate* |
Age
(younger of you and
your spouse’s age) |
Protected Annual
Income rate* |
55 – 58 |
3.25% |
55 – 58 |
3.00% |
59 – 64 |
4.15% |
59 – 64 |
3.85% |
65 – 69 |
5.15% |
65 – 69 |
4.85% |
70 – 74 |
5.35% |
70 – 74 |
5.00% |
75+ |
5.55% |
75+ |
5.25% |
Single Life Option |
Joint Life Option | ||
Age |
Protected Annual
Income rate* |
Age
(younger of you and
your spouse’s age) |
Protected Annual
Income rate* |
55 – 58 |
3.50% |
55 – 58 |
3.50% |
59 – 64 |
4.25% |
59 – 64 |
4.00% |
65 – 69 |
5.25% |
65 – 69 |
5.15% |
70 – 74 |
5.50% |
70 – 74 |
5.25% |
75+ |
5.75% |
75+ |
5.50% |
Single Life Option |
Joint Life Option | ||
Age |
Protected Annual
Income rate* |
Age
(younger of you and
your spouse’s age) |
Protected Annual
Income rate* |
55 – 58 |
3.50% |
55 – 58 |
3.50% |
59 – 64 |
4.25% |
59 – 64 |
4.00% |
65 – 74 |
5.25% |
65 – 74 |
5.00% |
75+ |
5.75% |
75+ |
5.50% |
Single Life Option |
Joint Life Option | ||
Age |
Protected Annual Income
Rate* |
Age
(younger of you and
your spouse’s age) |
Protected Annual Income Rate* |
55 – 58 |
3.50% |
55 – 58 |
3.50% |
59 – 64 |
4.00% |
59 – 64 |
4.00% |
65 – 74 |
5.00% |
65 – 74 |
4.50% |
75+ |
5.50% |
75+ |
5.00% |
Single Life Option |
Joint Life Option | ||
Age |
Protected Annual Income
Rate* |
Age
(younger of you and
your spouse’s age) |
Protected Annual Income Rate* |
55 – 58 |
3.50% |
55 – 58 |
3.50% |
59 – 64 |
4.00% |
59 – 64 |
4.00% |
65+ |
5.00% |
65 – 74 |
4.50% |
|
|
75+ |
5.00% |
TABLE A |
TABLE B | ||||
Age |
Single Life
Option |
Joint Life
Option* |
Age |
Single Life
Option |
Joint Life
Option* |
59 – 64 |
5.00% |
4.50% |
59 – 64 |
3.00% |
2.75% |
65 – 69 |
7.50% |
7.00% |
65 – 69 |
3.00% |
2.75% |
70 – 74 |
8.00% |
7.50% |
70 – 74 |
3.00% |
2.75% |
75 – 79 |
8.00% |
7.50% |
75 – 79 |
3.00% |
2.75% |
80 + |
8.00% |
7.50% |
80 + |
3.00% |
2.75% |
TABLE A |
TABLE B | ||||
Age |
Single Life
Option |
Joint Life
Option* |
Age |
Single Life
Option |
Joint Life
Option* |
59 – 64 |
4.50% |
3.60% |
59 – 64 |
3.00% |
2.75% |
65 – 69 |
7.25% |
6.00% |
65 – 69 |
3.00% |
2.75% |
70 – 74 |
7.25% |
6.25% |
70 – 74 |
3.00% |
2.75% |
75 – 79 |
7.75% |
6.50% |
75 – 79 |
3.00% |
2.75% |
80 + |
7.75% |
6.50% |
80 + |
3.00% |
2.75% |
TABLE A |
TABLE B | ||||
Age |
Single Life
Option |
Joint Life
Option* |
Age |
Single Life
Option |
Joint Life
Option* |
55 – 58 |
N/A |
N/A |
55 – 58 |
N/A |
N/A |
59 – 64 |
4.25% |
3.10% |
59 – 64 |
3.00% |
2.75% |
TABLE A |
TABLE B | ||||
Age |
Single Life
Option |
Joint Life
Option* |
Age |
Single Life
Option |
Joint Life
Option* |
65 – 69 |
7.00% |
5.50% |
65 – 69 |
3.00% |
2.75% |
70 – 74 |
7.00% |
5.75% |
70 – 74 |
3.00% |
2.75% |
75 + |
7.50% |
6.00% |
75 + |
3.00% |
2.75% |
TABLE A |
TABLE B | ||||
Age |
Single Life
Option |
Joint Life
Option* |
Age |
Single Life
Option |
Joint Life
Option* |
55 – 58 |
N/A |
N/A |
55 - 58 |
N/A |
N/A |
59 – 64 |
4.25% |
3.10% |
59 – 64 |
3.00% |
2.75% |
65 – 69 |
6.75% |
5.50% |
65 – 69 |
3.00% |
2.75% |
70 – 74 |
7.00% |
5.75% |
70 – 74 |
3.00% |
2.75% |
75 + |
7.00% |
6.00% |
75 + |
3.00% |
2.75% |
TABLE A |
TABLE B | |||
Age |
Single Life
Option |
Joint Life
Option* |
Age |
Single Life & Joint Life
Option* |
55 – 58 |
N/A |
N/A |
55 – 58 |
N/A |
59 – 64 |
5.25% |
3.00% |
59+ |
3.00% |
65 – 69 |
6.50% |
5.50% |
|
|
70 – 74 |
6.75% |
5.75% |
|
|
75 + |
7.00% |
6.00% |
|
|
TABLE A |
TABLE B | |||
Age |
Single Life
Option |
Joint Life
Option* |
Age |
Single Life & Joint Life
Option* |
55 – 58 |
N/A |
N/A |
55 – 58 |
N/A |
59 – 64 |
5.25% |
3.00% |
59+ |
3.00% |
65 – 69 |
6.25% |
5.75% |
|
|
70 – 74 |
6.50% |
6.00% |
|
|
75 + |
6.75% |
6.25% |
|
|
TABLE A |
TABLE B | |||
Age |
Single Life
Option |
Joint Life
Option* |
Age |
Single Life & Joint Life
Option* |
55 – 58 |
4.50% |
4.00% |
55+ |
3.00% |
59 – 64 |
5.50% |
5.00% |
|
|
65 – 69 |
6.50% |
6.00% |
|
|
70 – 74 |
6.75% |
6.25% |
|
|
75 + |
7.00% |
6.50% |
|
|
TABLE A |
TABLE B | |||
Age |
Single Life
Option |
Joint Life
Option* |
Age |
Single Life & Joint Life
Option* |
55 – 58 |
4.50% |
4.00% |
55+ |
3.00% |
59 – 64 |
5.50% |
5.00% |
|
|
65 – 74 |
6.50% |
6.00% |
|
|
75 + |
7.00% |
6.50% |
|
|
TABLE A |
TABLE B | |||
Age |
Single Life
Option |
Joint Life
Option* |
Age |
Single Life & Joint Life
Option* |
55 – 58 |
4.00% |
3.50% |
55+ |
3.00% |
59 – 64 |
5.00% |
4.50% |
|
|
65 – 74 |
6.00% |
5.50% |
|
|
75 + |
7.00% |
6.50% |
|
|
Age |
PAI Rate |
0 – 54 |
4.50% |
55 – 58 |
5.00% |
59 – 69 |
5.50% |
70+ |
6.00% |
Single Life Option |
Joint Life Option | ||
Age |
GIB Percentage* |
Age
(younger of you and
your spouse’s age) |
GIB Percentage* |
Under age 40 |
2.15% |
Under age 40 |
2.15% |
40 – 54 |
2.50% |
40 – 54 |
2.25% |
55 – 58 |
2.50% |
55 – 58 |
2.25% |
59 – 64 |
3.25% |
59 – 64 |
2.75% |
65 – 69 |
4.25% |
65 – 69 |
3.25% |
70 – 74 |
4.50% |
70 – 74 |
3.75% |
75 – 79 |
4.75% |
75 – 79 |
4.00% |
80+ |
4.75% |
80+ |
4.25% |
Single Life Option |
Joint Life Option | ||
Age |
GIB Percentage* |
Age
(younger of you and
your spouse’s age) |
GIB Percentage* |
Under age 40 |
2.00% |
Under age 40 |
2.00% |
40 – 54 |
2.25% |
40 – 54 |
2.00% |
55 – 58 |
2.25% |
55 – 58 |
2.00% |
59 – 64 |
3.00% |
59 – 64 |
2.50% |
65 – 69 |
3.75% |
65 – 69 |
2.75% |
70 – 74 |
4.00% |
70 – 74 |
3.25% |
75 – 79 |
4.25% |
75 – 79 |
3.50% |
80+ |
4.25% |
80+ |
3.75% |
Single Life Option |
Joint Life Option | ||
Age |
GIB Percentage* |
Age
(younger of you and
your spouse’s age) |
GIB Percentage* |
Under age 40 |
2.00% |
Under age 40 |
2.00% |
40 – 54 |
2.25% |
40 – 54 |
2.00% |
55 – 58 |
2.25% |
55 – 58 |
2.00% |
59 – 64 |
3.25% |
59 – 64 |
2.50% |
65 – 69 |
4.00% |
65 – 69 |
2.75% |
70 – 74 |
4.25% |
70 – 74 |
3.25% |
Single Life Option |
Joint Life Option | ||
Age |
GIB Percentage* |
Age
(younger of you and
your spouse’s age) |
GIB Percentage* |
75 – 79 |
4.50% |
75 – 79 |
3.50% |
80+ |
4.50% |
80+ |
3.75% |
Single Life Option |
Joint Life Option | ||
Age |
GIB Percentage* |
Age
(younger of you and
your spouse’s age) |
GIB Percentage* |
Under age 40 |
2.50% |
Under age 40 |
2.50% |
40 – 54 |
3.00% |
40 – 54 |
2.75% |
55 – 58 |
3.25% |
55 – 58 |
3.00% |
59 – 64 |
3.75% |
59 – 64 |
3.50% |
65 – 69 |
4.25% |
65 – 69 |
4.00% |
70 – 74 |
5.00% |
70 – 74 |
4.25% |
75 – 79 |
5.00% |
75 – 79 |
4.75% |
80+ |
5.25% |
80+ |
5.00% |
Single Life Option |
Joint Life Option** | ||
Age |
GIB Percentage* |
Age
(younger of you and
your spouse’s age) |
GIB Percentage* |
Under age 40 |
2.50% |
Under age 40 |
2.50% |
40 – 54 |
3.00% |
40 – 54 |
3.00% |
55 – 58 |
3.50% |
55 – 58 |
3.50% |
59 – 64 |
4.00% |
59 – 69 |
4.00% |
65 – 69 |
4.50% |
70 – 74 |
4.50% |
70 – 79 |
5.00% |
75 – 79 |
5.00% |
80+ |
5.50% |
80+ |
5.50% |
Single Life Option |
Joint Life Option | ||
Age |
GIB Percentage* |
Age
(younger of you and
your spouse’s age) |
GIB Percentage* |
Under age 40 |
2.25% |
Under age 40 |
2.25% |
40 – 54 |
2.75% |
40 – 54 |
2.50% |
55 – 58 |
3.00% |
55 – 58 |
2.75% |
59 – 64 |
3.75% |
59 – 64 |
3.25% |
65 – 69 |
4.75% |
65 – 69 |
4.00% |
70 – 74 |
5.25% |
70 – 74 |
4.25% |
75 – 79 |
5.50% |
75 – 79 |
4.50% |
80+ |
5.50% |
80+ |
4.75% |
Single Life Option |
Joint Life Option | ||
Age |
GIB Percentage* |
Age
(younger of you and
your spouse’s age) |
GIB Percentage* |
Under age 40 |
2.00% |
Under age 40 |
2.00% |
40 – 54 |
2.50% |
40 – 54 |
2.20% |
55 – 58 |
2.50% |
55 – 58 |
2.20% |
59 – 64 |
3.25% |
59 – 64 |
2.75% |
65 – 69 |
4.25% |
65 – 69 |
3.50% |
70 – 74 |
4.75% |
70 – 74 |
3.75% |
75 – 79 |
5.00% |
75 – 79 |
4.00% |
80+ |
5.00% |
80+ |
4.25% |
Single Life Option |
Joint Life Option | ||
Age |
GIB Percentage* |
Age
(younger of you and
your spouse’s age) |
GIB Percentage* |
Under age 40 |
2.00% |
Under age 40 |
2.00% |
40 – 54 |
2.50% |
40 – 54 |
2.20% |
55 – 58 |
2.50% |
55 – 58 |
2.20% |
59 – 64 |
3.25% |
59 – 64 |
2.75% |
65 – 69 |
4.00% |
65 – 69 |
3.25% |
70 – 74 |
4.50% |
70 – 74 |
3.50% |
75 – 79 |
4.50% |
75 – 79 |
3.75% |
80+ |
4.50% |
80+ |
4.00% |
Single Life Option |
Joint Life Option | ||
Age |
GIB Percentage* |
Age
(younger of you and
your spouse’s age) |
GIB Percentage* |
Under age 40 |
2.00% |
Under age 40 |
2.00% |
40 – 54 |
2.50% |
40 – 54 |
2.20% |
55 – 58 |
2.50% |
55 – 58 |
2.20% |
59 – 64 |
3.50% |
59 – 64 |
2.75% |
65 – 69 |
4.25% |
65 – 69 |
3.25% |
70 – 74 |
4.75% |
70 – 74 |
3.50% |
75 – 79 |
4.75% |
75 – 79 |
3.75% |
80+ |
4.75% |
80+ |
4.00% |
Single Life Option |
Joint Life Option | ||
Age |
GIB Percentage* |
Age
(younger of you and
your spouse’s age) |
GIB Percentage* |
Under age 40 |
2.50% |
Under age 40 |
2.50% |
40 – 54 |
3.00% |
40 – 54 |
3.00% |
55 – 58 |
3.50% |
55 – 58 |
3.25% |
59 – 64 |
4.00% |
59 – 64 |
3.75% |
65 – 69 |
5.00% |
65 – 69 |
4.25% |
70 – 74 |
5.25% |
70 – 74 |
4.50% |
75 – 79 |
5.50% |
75 – 79 |
5.00% |
80+ |
5.50% |
80+ |
5.25% |
Single Life Option |
Joint Life Option | ||
Age |
GIB Percentage* |
Age
(younger of you and
your spouse’s age) |
GIB Percentage* |
Under age 40 |
2.50% |
Under age 40 |
2.50% |
40 – 54 |
3.00% |
40 – 54 |
3.00% |
55 – 58 |
3.50% |
55 – 58 |
3.50% |
59 – 64 |
4.00% |
59 – 64 |
4.00% |
65 – 69 |
5.00% |
65 – 69 |
4.50% |
70 – 74 |
5.25% |
70 – 74 |
5.00% |
75 – 79 |
5.50% |
75 – 79 |
5.25% |
80+ |
5.50% |
80+ |
5.50% |
If your rider was purchased: |
The Enhancement is… |
The Enhancement is… |
Prior to April 30, 2024 |
Equal to the Enhancement Value (initial Enhancement
Value = Protected Income Base, and is increased by
Enhancement Base x Enhancement Rate) |
6% |
If your rider was purchased: |
The Enhancement is based on the… |
…multiplied by the
Enhancement Rate of… |
On or after July 18, 2022, but prior to December 18,
2023 |
Enhancement Base |
6% |
On or after May 18, 2020, but prior to July 18, 2022 |
Enhancement Base |
5% |
On or after February 20, 2018 (April 2, 2018, if your
rider was elected after the contract issue date), but prior
to May 18, 2020, subject to state availability |
Enhancement Base |
6% |
Prior to February 20, 2018 (April 2, 2018, if your rider
was elected after the contract issue date) |
Protected Income Base |
5% |
If your rider was purchased: |
The Enhancement is based on the… |
…multiplied by the
Enhancement Rate of… |
On or after July 18, 2022, but prior to December 18,
2023 |
Enhancement Base |
6% |
On or after May 18, 2020, but prior to July 18, 2022 |
Enhancement Base |
5% |
On or after February 20, 2018 (April 2, 2018 if your rider
was elected after the contract issue date), but prior to
May 18, 2020, subject to state availability |
Enhancement Base |
6% |
Between August 29, 2016 (October 3, 2016 if your rider
was elected after the contract issue date) and February
20, 2018 (April 2, 2018 if your rider was elected after
the contract issue date) |
Protected Income Base |
5% |
Prior to August 29, 2016 (October 3, 2016, if your rider
was elected after the contract issue date) |
N/A |
N/A |
If your rider was purchased: |
The Enhancement is based on the… |
…multiplied by the
Enhancement Rate of… |
On or after July 18, 2022, but prior to December 18,
2023 |
Enhancement Base |
6% |
On or after May 18, 2020, but prior to July 18, 2022 |
Enhancement Base |
5% |
Prior to May 18, 2020 |
Enhancement Base |
6% |
If your rider was purchased: |
The Enhancement is based on the… |
…multiplied by the
Enhancement Rate of… |
On or after November 28, 2022, but prior to April 30,
2024 |
Equal to the Enhancement Value (initial Enhancement
Value = Protected Income Base, and is increased by
Enhancement Base x Enhancement Rate) |
6% |
On or after August 22, 2022, but prior to November 28,
2022 |
Enhancement Base |
6% |
On or after May 18, 2020, but prior to August 22, 2022 |
Enhancement Base |
5% |
On or after June 11, 2018, but prior to May 18, 2020,
subject to state availability |
Enhancement Base |
6% |
Prior to June 11, 2018 |
Protected Income Base |
5% |
|
Single
Life |
Joint
Life |
Riders elected between November 28, 2022 and April 30, 2024 |
1.50% |
1.60% |
|
Single
Life |
Joint
Life |
Riders elected between December 14, 2020 and December 18, 2023 |
1.50% |
1.60% |
Riders elected on or after May 21, 2018 and on or prior to December 13, 2020 |
1.25% |
1.50% |
|
Single
Life |
Joint
Life |
Riders elected between December 14, 2020 and December 18, 2023 |
1.50% |
1.60% |
Riders elected on or after August 29, 2016 (October 3, 2016 for existing Contractowners) and on or prior to
December 13, 2020 |
1.25% |
1.50% |
|
Single
Life |
Joint
Life |
Riders elected between December 14, 2020 and December 18, 2023 |
1.50% |
1.60% |
Riders elected on or prior to December 13, 2020 |
1.25% |
1.50% |
|
Single
Life |
Joint
Life |
Riders elected between December 14, 2020 and April 30, 2024 |
1.50% |
1.60% |
Riders elected on or prior to December 13, 2020 |
1.25% |
1.50% |
|
Single
Life |
Joint
Life |
i4LIFE® Advantage Guaranteed Income Benefit (Managed Risk) riders elected between May 21, 2018 and
April 30, 2024 |
0.95% |
1.15% |
|
Single
Life |
Joint
Life |
i4LIFE® Advantage Guaranteed Income Benefit (Managed Risk) for Lincoln Lifetime IncomeSM Advantage 2.0
(Managed Risk) riders elected between December 14, 2020 and December 18, 2023 |
1.50% |
1.60% |
|
|
|
i4LIFE® Advantage Guaranteed Income Benefit (Managed Risk) for Lincoln Lifetime IncomeSM Advantage 2.0
(Managed Risk) riders elected on or after May 21, 2018 and on or prior to December 13, 2020 |
1.25% |
1.50% |
|
|
|
i4LIFE® Advantage Guaranteed Income Benefit (Managed Risk) for Lincoln Lifetime IncomeSM Advantage 2.0
(Managed Risk) riders elected prior to May 21, 2018 and for all 4LATER® Advantage (Managed Risk) riders |
1.05% |
1.25% |
|
Single
Life |
Joint
Life |
i4LIFE® Advantage Select Guaranteed Income Benefit for Lincoln Market Select® Advantage riders elected
between December 14, 2020 and December 18, 2023 and 4LATER® Select Advantage riders elected between
December 14, 2020 and April 30, 2024 |
1.50% |
1.60% |
|
|
|
i4LIFE® Advantage Select Guaranteed Income Benefit for Lincoln Market Select® Advantage riders elected on
or after August 29, 2016 (October 3, 2016 for existing Contractowners) and on or prior to December 13,
2020 and 4LATER® Select Advantage riders on or prior to December 13, 2020 |
1.25% |
1.50% |
|
|
|
i4LIFE® Advantage Guaranteed Income Benefit (version 4) for Lincoln Market Select® Advantage riders
elected prior to August 29, 2016 (October 3, 2016 for existing Contractowners) |
0.95% |
1.15% |
Contents
|
Page
|
B-2
|
|
B-2
|
|
B-2
|
|
B-2
|
|
B-3
|
|
B-3
|
|
B-4
|
|
B-4
|
Contents
|
Page
|
B-5
|
|
B-5
|
|
B-5
|
|
B-5
|
|
B-6
|
|
B-6
|
|
B-6
|
|
B-7
|
Name
|
Positions and Offices with Depositor
|
Craig T. Beazer*
|
Executive Vice President, General Counsel and Director
|
Jayson R. Bronchetti*
|
Executive Vice President, Chief Investment Officer and Director
|
Adam M. Cohen*
|
Senior Vice President, Chief Accounting Officer and Treasurer
|
Ellen G. Cooper*
|
President and Director
|
Stephen B. Harris*
|
Senior Vice President and Chief Ethics and Compliance Officer
|
Christopher M. Neczypor*
|
Executive Vice President, Chief Financial Officer and Director
|
Nancy A. Smith*
|
Senior Vice President and Secretary
|
Joseph D. Spada**
|
Vice President and Chief Compliance Officer for Separate Accounts
|
Eric B. Wilmer***
|
Assistant Vice President and Director
|
Name
|
Positions and Offices with Underwriter
|
Adam M. Cohen*
|
Senior Vice President and Treasurer
|
Jason M. Gibson**
|
Vice President and Chief Compliance Officer
|
Claire H. Hanna*
|
Secretary
|
John C. Kennedy*
|
President, Chief Executive Officer and Director
|
Jared M. Nepa*
|
Senior Vice President and Director
|
Thomas P. O'Neill*
|
Senior Vice President, Chief Operating Officer and Head of Financial
Institutions Group
|
Timothy J. Seifert Sr*
|
Senior Vice President and Director
|
SIGNATURES
(a) | As required by the Securities Act of 1933 and the Investment Company Act of 1940, each Registrant certifies that it meets the requirements of Securities Act Rule 485(b) for effectiveness of these registration statements and has caused these Post-Effective Amendments to the registration statements to be signed on its behalf, in the City of Fort Wayne, and the State of Indiana on this 10th day of April, 2024 at 3:21 pm. |
Lincoln National Variable Annuity Account E
Lincoln National Variable Annuity Account H
Lincoln Life Variable Annuity Account N
(Registrants)
By: | /s/ Daniel P. Herr | |
Daniel P. Herr | ||
Senior Vice President, The Lincoln National Life Insurance Company |
Signed on its behalf, in the City of Hartford, and the State of Connecticut on this 10th day of April, 2024 at 2:32 pm.
The Lincoln National Life Insurance Company
(Depositor)
By: | /s/ Michelle L. Grindle | |
Michelle L. Grindle | ||
(Signature-Officer of Depositor) | ||
Vice President, The Lincoln National Life Insurance Company |
Lincoln National Variable Annuity Account E (File No. 811-04882; CIK: 0000804223)
033-26032 (Amendment No. 78)
Lincoln National Variable Annuity Account H (File No. 811-05721; CIK: 0000847552)
033-27783 (Amendment No. 77) | 333-63505 (Amendment No. 86) | 333-181615 (Amendment No. 43) | ||
333-18419 (Amendment No. 80) | 333-135219 (Amendment No. 59) | 333-212681 (Amendment No. 23) | ||
333-35780 (Amendment No. 60) | 333-170695 (Amendment No. 53) | 333-233762 (Amendment No. 10) | ||
333-35784 (Amendment No. 75) | 333-175888 (Amendment No. 29) | 333-233764 (Amendment No. 16) | ||
333-61592 (Amendment No. 77) |
Lincoln Life Variable Annuity Account N (File No. 811-08517; CIK: 0001048606)
333-36316 (Amendment No. 98) | 333-172328 (Amendment No. 47) | 333-214143 (Amendment No. 28) | ||
333-36304 (Amendment No. 86) | 333-174367 (Amendment No. 35) | 333-214144 (Amendment No. 17) | ||
333-40937 (Amendment No. 92) | 333-181612 (Amendment No. 41) | 333-214235 (Amendment No. 16) | ||
333-61554 (Amendment No. 92) | 333-186894 (Amendment No. 44) | 333-236907 (Amendment No. 12) | ||
333-135039 (Amendment No. 59) | 333-193272 (Amendment No. 31) | 333-239288 (Amendment No. 9) | ||
333-138190 (Amendment No. 70) | 333-193273 (Amendment No. 23) | 333-252473 (Amendment No. 17) | ||
333-149434 (Amendment No. 42) | 333-193274 (Amendment No. 20) | 333-252653 (Amendment No. 12) | ||
333-170529 (Amendment No. 44) | 333-212680 (Amendment No. 26) | 333-252654 (Amendment No. 12) | ||
333-170897 (Amendment No. 48) | 333-212682 (Amendment No. 19) |
(b) | As required by the Securities Act of 1933, these Amendments to the registration statements have been signed by the following persons in their capacities indicated on April 10, 2024 at 3:21 pm. |
Signature | Title | |
*/s/ Ellen G. Cooper | President and Director | |
Ellen G. Cooper | (Principal Executive Officer) | |
*/s/ Christopher M. Neczypor | Executive Vice President, Chief Financial Officer, and Director | |
Christopher M. Neczypor | ||
*/s/ Craig T. Beazer | Executive Vice President and Director | |
Craig T. Beazer | ||
*/s/ Jayson R. Bronchetti | Executive Vice President, Chief Investment Officer, and Director | |
Jayson R. Bronchetti | ||
*/s/ Adam M. Cohen | Senior Vice President and Chief Accounting Officer | |
Adam M. Cohen | (Principal Accounting Officer) | |
*/s/ Eric B. Wilmer | Assistant Vice President and Director | |
Eric B. Wilmer |
* By | /s/ Daniel P. Herr, Pursuant to a Power of Attorney | |
Daniel P. Herr |