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Lincoln Financial Group

Lincoln OptiChoice 7

A Fixed Indexed Annuity with a 7-year surrender period.
This product is not available in *** *** *** *** *** *** *** *** ***

Ratings
	A.M. Best : A+		Fitch: A+		Moody's: A2		Standard & Poor's: AA+

Rates

	Current Rates xx/xx/xxxx		Guaranteed Minimum Values
Band $2,000+	Cap	Spread	Cap	Spread
1-Year Monthly Average	***	***	***	***
1-Year Monthly Cap	***	***	***	***
Performance Triggered	***	***	***	***
Fixed Account (Rate guaranteed for 1 Year)	.* %		.* %
Band $100,000+	Cap	Spread	Cap	Spread
1-Year Monthly Average	***	***	***	***
1-Year Monthly Cap	***	***	***	***
Performance Triggered	***	***	***	***
Fixed Account (Rate guaranteed for 1 Year)	.* %		.* %

State Specified Minimum Interest Rate: ****

Premium Bonus
- none -

Policy Notes

The @annuityname@ as a flexi --[ subscription required to view full text ]--
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Lincoln Lifetime Income Edge^SM

Rider is not available in HI NY

Lincoln Lifetime Income Edge^SM

Introducing Lincoln Lifetime Income Edge^SM, an additional feature that can guarantee growth for future income — no matter how your indexed accounts perform.

You can still enjoy all the benefits of a fixed indexed annuity, plus retain access to your money. With the Lincoln Lifetime Income Edge^SM, you can:

• Protect principal
• Receive guaranteed growth for tomorrow --[ subscription2 required to view full text ]-- ************** **************** ************ ********^****

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The death benefit is --[ subscription required to view full text ]-- *** ***** ******* ** ***** ** *** ******* ***** ** *** **** ********.

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After the fi --[ subscription required to view full text ]-- ***** *** ***** *********** ** *** ********* **** ** *** *****, *** ***** *** ********* *** ***** ** ********* ******* ** *******.

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Provisions

Free Look Period:	****
(Free look period may vary by state)
Rate Lock Protection:	****
Bail Out Provision Available:	***
* * ***:	****
Loan Provision Available:	***
* * ***:	****
Tax Sheltered:	***

Market Value Adjustment:	***
MRD:	***
Front-End Fee:	***
Annual Maintenance Fee:	***
Return of Premium Available:	***
Death Benefit is:	* **

Premiums
	Non-Qual	Qualified
Min Single Premium:	****	*******
Max Single Premium:
Age < xx:	****	*******
Age > xx:	****	*******
Payroll Deduction:	****	****
Min Added Premium:	****	****
Flexible Premiums ******* :	****
Min Single Premium Impaired:	******	******
Min Single Premium Period Certain:	******	******

Ages Restrictions
	Min Age	Non-Qual	Qualified
Owner:		*****	*****
Annuitant:	*****	*****	*****
Impaired:		*****	*****
Annuitization Age:		*****	*****
*** * * ** * **** * *** ** * **** * ****** * *** * * ** * **** * *** * * * ** * **** * *****

Systematic Withdrawals

Systematic withdrawals are ***** ** *** ****** ****
*****************: **** ****** **** *****

**** *** ***** ** $****.**
*** *** ****** *** $****.**
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MVA Explanation
Not available in OR MN MO UT

If you access more t --[ subscription required to view full text ]--
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Commissions
Effective date of commission schedule: 11/01/2012
Commissions are ***** *** * *** * *** * ** ***** ***.

Schedule A

Lincoln OptiChoice 7

Up to age 75

Year 1

Year 2

Year 3

Year 4

Year 5

Year 6

Year 7

Year 8

Initial Premium:

****

Renewal Premiums:

****

Ages 76-80

Year 1

Year 2

Year 3

Year 4

Year 5

Year 6

Year 7

Year 8

Initial Premium:

****

Renewal Premiums:

****

Ages 81-84

Year 1

Year 2

Year 3

Year 4

Year 5

Year 6

Year 7

Year 8

Initial Premium:

****

Renewal Premiums:

****

Ages 85-85

Year 1

Year 2

Year 3

Year 4

Year 5

Year 6

Year 7

Year 8

Initial Premium:

****

Renewal Premiums:

****

Schedule B

Lincoln OptiChoice 7

Up to age 74

Year 1

Year 2

Year 3

Year 4

Year 5

Year 6

Year 7

Year 8

Initial Premium:

****

Renewal Premiums:

****

Trail:

Trail years ***+ is *****

Ages 75-79

Year 1

Year 2

Year 3

Year 4

Year 5

Year 6

Year 7

Year 8

Initial Premium:

****

Renewal Premiums:

****

Trail:

Trail years ***+ is *****

Ages 80-84

Year 1

Year 2

Year 3

Year 4

Year 5

Year 6

Year 7

Year 8

Initial Premium:

****

Renewal Premiums:

****

Trail:

Trail years ***+ is *****

Schedule C

Lincoln OptiChoice 7

Up to age 74

Year 1

Year 2

Year 3

Year 4

Year 5

Year 6

Year 7

Year 8

Initial Premium:

****

Renewal Premiums:

****

Trail:

Trail years ***+ is *****

Full and partial surrender (excluding free p --[ subscription required to view full text ]--
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Related Information

Other Lincoln Financial Group Products

MYGA

Lincoln ClassicSolution^SM Fixed
Lincoln Long-Term Care Fixed Annuity
Lincoln MYGuarantee^sm Plus 10
Lincoln MYGuarantee^sm Plus 5
Lincoln MYGuarantee^sm Plus 6
Lincoln MYGuarantee^sm Plus 7
Lincoln MYGuarantee^sm Plus 8
Lincoln MYGuarantee^sm Plus 9
Lincoln Select 5
Lincoln Select 6
Lincoln Select 7
Lincoln Select 8
Lincoln Select 9
Lincoln Select 10

Fixed Indexed Annuity

Lincoln New Directions 6
Lincoln New Directions 8
Lincoln OptiChoice 5
Lincoln OptiChoice 9
Lincoln OptiPoint 10
Lincoln OptiPoint 8

SPIA

Lincoln SmartIncome Inflation Annuity