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Withdrawals exceeding the 10% annual free-withdrawal amount, or a full surrender during the guarantee period, are subject to surrender charges and may also incur an MVA. Charges decline annually and reach 0% by the end of the term. All funds become fully penalty-free at the end of the guarantee period or during the renewal window.

If the owner dies before annuitization, beneficiaries receive the full account value, unaffected by surrender charges or MVA. After annuitization, any remaining benefit follows the elected settlement option.

 Waives surrender charges and MVA for qualifying confinement of at least 90 consecutive days (confinement must begin after contract issue).

 Waives surrender charges and MVA for qualifying diagnosis with a life expectancy of 12 months or less.

 funds. Accepts Non-Qualified assets, Traditional IRAs, Roth IRAs, SEP IRAs, and Beneficiary IRAs.

Nonqualified, qualified (IRA and Roth IRA).

This fixed annuity contract is issued by The Lincoln National Life Insurance Company and includes provisions such as free withdrawals, a market value adjustment, and waiver riders for nursing home confinement and terminal illness. The contract outlines how premiums are allocated, how interest is credited, and under what conditions benefits or withdrawals are available. Contractual obligations are subject to the claims-paying ability of the issuer.

At the end of each guarantee period, MYGuarantee Plus enters a 30-day renewal window during which the owner may:

• Renew the contract for the same term at the declared renewal rate

• Surrender the policy without charges or MVA

• Apply the value to an acceptable settlement option

• Take a partial penalty-free withdrawal and renew the remaining value


If no election is made, the contract automatically renews for the same term at the then-current renewal rate.

The surrender value equals the account value minus applicable surrender charges and MVA, but never less than the minimum nonforfeiture benefit required by Standard Nonforfeiture Law.

is a single-premium Multi-Year Guaranteed Annuity (MYGA) that provides fixed, tax-deferred interest growth and full principal protection over 5-, 7-, or 10-year guarantee periods. It delivers stable, contractually guaranteed returns insulated from market volatility, making it suitable for conservative savers seeking predictable accumulation. With straightforward liquidity features, guaranteed rates, and simple contract mechanics, MYGuarantee Plus supports long-term planning with security, clarity, and dependable growth.

Lincoln Financial – MYGuarantee Plus (5-, 7- and 10-year terms)