Registered index-linked annuity · SEC-registered · defined downside design
Lincoln Level Advantage 2 Income Advisory
Issued by The Lincoln National Life Insurance Company
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.
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 | 18% cap Segment detailsMinimum cap: 1%Minimum participation: 100%Minimum buffer: 10% | 15.5% cap Segment detailsMinimum cap: 1%Minimum participation: 100%Minimum buffer: 15% | 13.25% cap Segment detailsMinimum cap: 1%Minimum participation: 100%Minimum buffer: 20% | — | — | 8% cap Segment detailsMinimum cap: 0.1%Minimum participation: 100%Minimum buffer: 100% |
| 1-yearPerformance trigger | 12.75% trigger rate Segment detailsMinimum trigger rate: 1%Minimum participation: 100%Minimum buffer: 10% | 10.5% trigger rate Segment detailsMinimum trigger rate: 1%Minimum participation: 100%Minimum buffer: 15% | 10% trigger rate Segment detailsMinimum trigger rate: 1%Minimum participation: 100%Minimum buffer: 20% | — | — | — |
| 1-yearDual performance trigger | 7.75% trigger rate Segment detailsMinimum trigger rate: 1%Minimum participation: 100%Minimum buffer: 10% | — | — | — | — | — |
| 3-yearPoint-to-point | 110% participation Segment detailsMinimum participation: 15%Minimum buffer: 10% | — | — | — | — | — |
| 6-yearPoint-to-point | 115% participation Segment detailsMinimum participation: 15%Minimum buffer: 10% | Not published Segment detailsMinimum cap: 1%Minimum participation: 100%Minimum buffer: 15% | 500% cap Segment detailsMinimum cap: 10%Minimum participation: 100%Minimum buffer: 20% | 350% cap Segment detailsMinimum cap: 1%Minimum participation: 100%Minimum buffer: 25% | 250% cap Segment detailsMinimum cap: 10%Minimum participation: 100%Minimum buffer: 30% | — |
| 6-yearAnnual lock cap | 15% cap Segment detailsMinimum cap: 1%Minimum participation: 100%Minimum buffer: 10% | — | — | — | — | — |
Showing 15 of 58 indexed segments.
Menu combined from 2 published rate instances (57 + 1 segments). Published share classes: I 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.
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
No surrender charge
Analyst notes
Where it stands out
- This advisory income contract publishes Lincoln ProtectedPay Select choices, including an Estate Lock version, with current withdrawal rates and an annual rider-fee range; the fee basis and distinguishing option qualifier are not published.
- Annual and multi-year cap, participation, trigger, annual-lock, and dual-performance mechanics remain distinct.
- The current contract ledger publishes no surrender charge for the advisory version.
What to confirm
- This registered index-linked annuity can lose value when an index decline exceeds the selected buffer.
- Current withdrawal rates and rider fees are published, but the remaining deferral-specific inputs needed for a future income projection are not.
- Strategy fees are not published for the current indexed rows, so segment outcome figures remain unavailable.
- Interim withdrawals can receive a negative contract adjustment even though no surrender charge is published.
Expanded contract facts
Contract details beyond the headline rate
Key facts published in the versioned CANNEX contract ledger. Gaps are labeled, not guessed.
Source and vintage: normalized public product facts from CANNEX, observed Sep 15, 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 numbers333-287294
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
51 published jurisdictions. Not available in New York, Oregon, or the U.S. Virgin Islands.