“A little over a month ago, various Federal Reserve officials directed a pause and started to signal that the US central bank might have reached its terminal destination in this rate hike cycle. These statements came with the caveat that short-term rates would stay “higher for longer”, but as history shows, once the Fed is done, it has usually been a matter of months before interest rates have been cut again.” Click here for the full “Markets in Motion”.
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“Demystifying Portfolio Analysis” is the first document in the Essential Concepts for Financial Advisors series. Designed to enhance your portfolio analysis capabilities, this guide provides clear definitions, practical examples, and insights into key portfolio analysis terms used on the ESI Illuminations Platform. Download the document from Merrill using catalog number 106973, or simply click here.
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From Lincoln Financial:
Information about 2024 Annuity In-Force Rider Fee Increase
Effective February 20, 2024
On October 11, 2023, Lincoln Financial Group filed with the SEC to increase current fees on 4LATER® Advantage (Managed Risk) and Lincoln Lifetime IncomeSM Advantage 2.0 (Managed Risk) contracts. This is the first time Lincoln Financial Group is increasing in-force fees for these riders and is doing so in support of the level of benefits guaranteed in these riders.
These fee increases are within the maximum fee range stated in each annuity contract. The fee will not actually increase on a client’s contract unless there is a triggering event after February 20th and a client chooses to keep the higher benefit amount and the subsequent fee increase.
Lincoln believes in the important role that annuities play in helping individuals get protected income in retirement. It is our priority to support you and your business and we stand ready to answer any questions you may have.
Fee Increase Details
| Living Benefit Rider Name | Current Fee | New Fee |
| Lincoln Lifetime IncomeSM Advantage 2.0 (Single Life) | 1.05% | 1.25% |
| Lincoln Lifetime IncomeSM Advantage 2.0 (Joint Life) | 1.25% | 1.50% |
| 4LATER® Advantage (Single Life) | 1.05% | 1.25% |
| 4LATER® Advantage (Joint Life) | 1.25% | 1.50% |
Frequently asked questions:
We thank you for your partnership and encourage you to contact your Lincoln representative with any questions.
THE LVIP MANAGED RISK FUNDS AND LVIP MANAGED VOLATILITY FUNDS ARE NOT GUARANTEED OR INSURED BY LINCOLN OR ANY OTHER INSURANCE COMPANY OR ENTITY, AND SHAREHOLDERS MAY EXPERIENCE LOSSES. THE STRATEGIES USED BY THESE FUNDS ARE SEPARATE AND DISTINCT FROM ANY ANNUITY OR INSURANCE CONTRACT RIDER OR FEATURES.
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.
Variable products are sold by prospectuses, which contain the investment objectives, risks, and charges and expenses of the variable product and its underlying investment options. Read carefully before investing.
Lincoln variable annuities 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.
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.
There is no additional tax-deferral benefit for an annuity contract purchased in an IRA or other tax-qualified plan.
Not for use in New York.
For financial professional use only. Not for use with the public.
Not a deposit
Not FDIC-insured
Not insured by any federal government agency
Not guaranteed by any bank or savings association
May go down in value
©2023 Lincoln National Corporation
LincolnFinancial.com
Lincoln Financial Group is the marketing name for Lincoln National Corporation and its affiliates.
Affiliates are separately responsible for their own financial and contractual obligations.
LCN-6049986-102523 DOC 11/23 Z01 Order code: VA-FEE24-FLI001
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As previously communicated, despite the tax benefits, changing requirements, and employee attraction/retention benefits, many small business owners still believe that their business is too small for a 401(k) plan or that they can’t afford a plan.[1] Click here for a new webinar recording from Vestwell on the “Top Year-End Questions to Level Up Your Employer Engagement Strategy” to help you start the conversation with business owners.
[1] Three in Four Small Businesses Don’t Offer a 401(k) Plan | PLANSPONSOR
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In an adaptation of a report by the Fidelity Center of Applied Technology®, the article, “Gen X: A Mature Market That’s Often Overlooked”, examines the opportunities to help Gen X investors navigate financial complexities.
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