Free personalized report

What would you like your money to do?

Choose a goal to start your report. We’ll carry your answer into the next step.

Find guaranteed ratesCompare current fixed options Plan retirement incomeExplore income choices Compare my optionsGet a personal starting point

Registered index-linked annuity · SEC-registered · defined downside design

Lincoln Level Advantage 2 B-Share — The Lincoln National Life Insurance Company

Issued by The Lincoln National Life Insurance Company

AM Best ACan lose value

Segment terms1-year · 3-year · 6-year

Downside choices0% buffer · 10% buffer · 15% buffer · 20% buffer · 25% buffer · 30% buffer · 100% buffer

FeeNot published

Surrender period6 yrs

Free withdrawal10%per year

Issue ages0–85 (annuitant and owner) · age limits based on the older person

Available jurisdictions52published in the feed

Market value adj.None

Get my rate report All 116 rate rowsVerified Oct 6, 2026 · CANNEX via AdvisorWorld

Headline segment · S&P 500 Index · 1-year · 10% buffer16% cap · 10% buffer

The upside term is shown with its index, term, downside rule, and fee status. This indexed segment can lose value.

The buffer absorbs the first 10% of segment loss; losses beyond it can still apply. This is not an FIA.

Every segment, by index and downside design

Read across a row to compare the upside term under each published downside design. Current rates for the selected state and $100,000 premium; every percentage identifies what it is.

IndexTermProtectionStrategy family

Strategy fee is not published; outcome figures are suppressed unless another published fee applies.

Swipe horizontally to compare every protection level.

Index · term	10% buffer	15% buffer	20% buffer	25% buffer	30% buffer	100% buffer
S&P 500
1-yearPoint-to-point	16% cap Segment details Minimum cap: 1%Minimum participation: 100%Minimum buffer: 10% 15.75% cap Segment details Minimum cap: 1%Minimum participation: 100%Minimum buffer: 10%	13% cap Segment details Minimum cap: 1%Minimum participation: 100%Minimum buffer: 15% 12.75% cap Segment details Minimum cap: 1%Minimum participation: 100%Minimum buffer: 15%	11% cap Segment details Minimum cap: 1%Minimum participation: 100%Minimum buffer: 20% 10.75% cap Segment details Minimum cap: 1%Minimum participation: 100%Minimum buffer: 20%	—	—	5.5% cap Segment details Minimum cap: 0.1%Minimum participation: 100%Minimum buffer: 100% 5.75% cap Segment details Minimum cap: 0.1%Minimum participation: 100%Minimum buffer: 100%
1-yearPerformance trigger	11% trigger rate Segment details Minimum trigger rate: 1%Minimum participation: 100%Minimum buffer: 10% 10.75% trigger rate Segment details Minimum trigger rate: 1%Minimum participation: 100%Minimum buffer: 10%	10% trigger rate Segment details Minimum trigger rate: 1%Minimum participation: 100%Minimum buffer: 15% 9.75% trigger rate Segment details Minimum trigger rate: 1%Minimum participation: 100%Minimum buffer: 15%	9% trigger rate Segment details Minimum trigger rate: 1%Minimum participation: 100%Minimum buffer: 20% 8.75% trigger rate Segment details Minimum trigger rate: 1%Minimum participation: 100%Minimum buffer: 20%	—	—	—
1-yearDual performance trigger	7.25% trigger rate Segment details Minimum trigger rate: 1%Minimum participation: 100%Minimum buffer: 10% 7% trigger rate Segment details Minimum trigger rate: 1%Minimum participation: 100%Minimum buffer: 10%	—	—	—	—	—
3-yearPoint-to-point	100% participation Segment details Minimum participation: 15%Minimum buffer: 10% 95% participation Segment details Minimum participation: 15%Minimum buffer: 10%	—	—	—	—	—
6-yearPoint-to-point	92% participation Segment details Minimum participation: 15%Minimum buffer: 10% 90% participation Segment details Minimum participation: 15%Minimum buffer: 10%	90% cap Segment details Minimum cap: 10%Minimum participation: 100%Minimum buffer: 15% 85% cap Segment details Minimum cap: 10%Minimum participation: 100%Minimum buffer: 15%	85% cap Segment details Minimum cap: 10%Minimum participation: 100%Minimum buffer: 20% 80% cap Segment details Minimum cap: 10%Minimum participation: 100%Minimum buffer: 20%	75% cap Segment details Minimum cap: 10%Minimum participation: 100%Minimum buffer: 25% 70% cap Segment details Minimum cap: 10%Minimum participation: 100%Minimum buffer: 25%	70% cap Segment details Minimum cap: 10%Minimum participation: 100%Minimum buffer: 30% 65% cap Segment details Minimum cap: 10%Minimum participation: 100%Minimum buffer: 30%	—
6-yearAnnual lock cap	11.5% cap Segment details Minimum cap: 1%Minimum participation: 100%Minimum buffer: 10% 11% cap Segment details Minimum cap: 1%Minimum participation: 100%Minimum buffer: 10%	—	—	—	—	—

Showing 30 of 116 indexed segments.

Menu combined from 3 published rate instances (57 + 58 + 1 segments). Published share classes: B Share; the source does not map each rate instance to a share class.

Outcome simulator unavailable

The current feed does not publish a strategy fee for every eligible segment. No zero fee is assumed, so outcome figures are suppressed.

What the carrier can change at renewal

Upside rates and downside-protection terms are declared for each segment. These are the contractual minimums published with the live rows.

Annual lock cap · 6-year1%Minimum cap

Annual lock cap · 6-year100%Minimum participation rate

Dual performance trigger · 1-year100%Minimum participation rate

Dual performance trigger · 1-year1%Minimum trigger rate

Performance trigger · 1-year100%Minimum participation rate

Performance trigger · 1-year1%Minimum trigger rate

Point-to-point · 1-year0.1%Minimum cap

Point-to-point · 1-year100%Minimum participation rate

Point-to-point · 3-year15%Minimum participation rate

Point-to-point · 6-year10%Minimum cap

Point-to-point · 6-year15%Minimum participation rate

Minimum published buffer0%Lowest value across the published segment limits

Read the minimum buffer twice. A renewed segment may carry no buffer at all. Today’s buffer is a declared term and is not fixed for the life of the contract.

Open “Segment details” in the matrix to see the contractual minimum attached to that exact row.

Getting money out

Surrender charge · full schedule

Year 17%

Year 27%

Year 36%

Year 45%

Year 54%

Year 63%

After0%

Annual free withdrawal10%

Systematic withdrawalsAvailable

Nursing-home / terminal-illness waiverNursing home · Terminal illness

BailoutNot available

Return of premiumNot available

Death benefitAccount Value Death Benefit

Analyst notes

Where it stands out

The B-Share contract offers a broad mix of annual and multi-year indexed segments.
Cap, participation, performance-trigger, annual-lock, and dual-performance designs remain distinct in the matrix.
The full declining surrender-charge schedule and available waiver codes are shown from the contract feed.

What to confirm

This registered index-linked annuity can lose value when an index decline exceeds the selected buffer.
Strategy fees are not published for the current indexed rows, so outcome figures remain unavailable instead of treating the missing fee as zero.
Early withdrawals may face both the displayed surrender charge and an interim contract adjustment.
New York uses a separate B-Share contract version with its own rates and terms.

Best fitBuyers who can accept market-linked losses and want several index, term, and buffer combinations in a commission contract.

Not ideal forBuyers who cannot accept loss, need unrestricted early access, or need fee-complete outcome estimates.

Expanded contract facts

Contract details beyond the headline rate

Fresh CANNEX source

Key facts published in the versioned CANNEX contract ledger. Gaps are labeled, not guessed.

Contract ledger statusAvailable · version 2.0

Product familyRILA

Share classesB Shareapplicable_rule · product_profile

PremiumNot published in feed

Issue ages0–85 (annuitant and owner) · age limits based on the older person

Joint age rulesannuitant: minimum age uses the younger person, maximum age uses the older person, maximum age difference not published · owner: minimum age uses the younger person, maximum age uses the older person, maximum age difference not published

Funding typesNon-qualified · Qualified

Annuitant typesSingle

OwnershipJoint · Single · Trust

Joint contractAvailable

Free-look periodAvailable

Annuitization maximum age99 years

Annuitization optionsJoint life · Single life

Profile feesNot published

Premium bonusNot published

Systematic withdrawalsYes

Minimum-withdrawals rule appliesYes

BailoutNo

Market value adjustmentNone

Return of premiumNot available

Free-withdrawal tiersTier 1: 10% · Available

CDSC schedule6 years · applies to the selected contract

Surrender ledger statusAvailable

Contract sourceCANNEXNormalized public contract facts; source XML and internal identifiers are not displayed.

Source vintagefreshObserved Oct 6, 2026 · generated Oct 7, 2026

Income rider optionsNone published — accumulation only

Death benefitAccount Value Death Benefit

Contract open dateMay 20, 2024

Source and vintage: normalized public product facts from CANNEX, observed Oct 6, 2026. Raw licensed XML and internal identifiers are not included. Terms can vary by state, premium, age, share class, and contract version; confirm the current carrier contract and illustration before purchase.

Prospectus and SEC filings

A RILA is a registered security. The prospectus governs interim value, performance lock, death benefit, and fees.

RegistrantThe Lincoln National Life Insurance Company

SEC CIK0000726865

File numbers333-267670

Open filings on EDGAR ↗

No verified carrier document link is published in the product feed. Rate-sheet supplements will appear only after their product and carrier match is verified.

State availability

52 published jurisdictions. Not available in New York or the U.S. Virgin Islands; New York uses the separate B-Share NY contract.

AKALARAZCACOCTDCDEFLGAGUHIIAIDILINKSKYLAMAMDMEMIMNMOMSMTNCNDNENHNJNMNVOHOKORPAPRRISCSDTNTXUTVAVTWAWIWVWY

Rates are sourced from CANNEX via AdvisorWorld. Rates vary by state, premium band, and issue age. A registered index-linked annuity can lose value; a buffer, floor, or downside-participation rule limits specified losses but does not guarantee principal or surrender value. Upside rates and downside-protection terms can change on new segments. Educational only — not advice, a quote, or a carrier-approved illustration. Guarantees are backed by the issuing carrier’s claims-paying ability and are not FDIC-insured.

Registered index-linked annuity

Lincoln Level Advantage 2 B-Share — The Lincoln National Life Insurance Company

Lincoln Level Advantage 2 B-Share is a registered index-linked annuity. Its linked segments can gain or lose value, subject to the contract's protection and crediting terms.

RILA contracts can offer index-linked upside with a stated buffer, floor, or downside participation rule. They can still lose value under market and contract conditions, and they are not MYGA-style fixed-rate guarantees.

Loading verified current contract data

Current protection and crediting terms are being verified for this product. Product identity and the RILA risk explanation remain available while that data loads.

Free personalized report

What would you like your money to do?

Choose a goal to start your report. We’ll carry your answer into the next step.

Find guaranteed ratesCompare current fixed options Plan retirement incomeExplore income choices Compare my optionsGet a personal starting point

What would you like your money to do?

Lincoln Level Advantage 2 B-Share — The Lincoln National Life Insurance Company

Every segment, by index and downside design

Outcome simulator unavailable

What the carrier can change at renewal

Getting money out

Surrender charge · full schedule

Analyst notes

Where it stands out

What to confirm

Contract details beyond the headline rate

Prospectus and SEC filings

State availability

Lincoln Level Advantage 2 B-Share — The Lincoln National Life Insurance Company

Loading verified current contract data

What would you like your money to do?

Cite this

Lincoln Level Advantage 2 B-Share — The Lincoln National Life Insurance Company

Every segment, by index and downside design

Outcome simulator unavailable

What the carrier can change at renewal

Getting money out

Surrender charge · full schedule

Analyst notes

Where it stands out

What to confirm

Contract details beyond the headline rate

Prospectus and SEC filings

State availability