2.52% 

The guaranteed minimum interest rate is 1.0% applied to the cash surrender value over the term based on 100% of the original contribution, less withdrawals.  The current fixed rate is guaranteed for the term of the annuity and the first year rate has an Interest Rate Bonus of 3.0%.  

Guaranteed minimum interest rates range from 1.0% to 3.0% in AL, AK, AR, CA, CO, CT, DC, GA, ID, IL, IA, KS, LA, ME, MA, MI, MN, MT, NH, NM, NV, NC, ND, OR, RI, TX, UT, VT, VA, WA & WI. 

The minimum premium is $10,000 NQ and Q(0-85).  Additional premiums are not allowed as this is a single premium annuity. The maximum premium without Home Office approval is $2,000,000, per owner, for ages 0-65 and $500,000 for ages over 66-85.   

7 

0 - 85 

The surrender penalties in years 1 through 7 of the contract are expressed as a percent of accumulation value after Market Value Adjustment (“MVA”):
9%, 8%, 7%, 6%, 5%, 4%, 3%, 0%
If the annuity is renewed, the surrender charge schedule starts over at the beginning of each subsequent 7-year interest rate guarantee period.  The surrender charge is waived during the 30-day period immediately preceding the end of each 7-year interest rate guarantee period.

Greater of:
Single premium paid less surrenders received: or Accumulation value without an MVA, but less surrender 
charge.

Alternatively, the accumulation value without an MVA or 
surrender charge can be paid out at the guaranteed payment option rate over at least 5 years.
 

10% of accumulation value each policy year.

After the 5th policy year, the full accumulation value without an MVA or surrender charge may be received under a wide choice of income payment options, including an income that cannot be outlived. 

Lincoln_Rates.pdf 

No annual administrative fees, front-end sales charges or loads.

Available Markets:
Non-Qualified, IRA rollovers (Traditional and Roth), Simplified Employee Pension (SEP) Plan, TSA Transfers, 401(k), Keogh, Corporate Defined Benefit, Corporate Defined Contributions, Qualified Deferred Compensation 

NY - Must be appointed with Jefferson Pilot LifeAmerica. 

Commission
Age	NQ/Q	Commission   
0-75	NQ&Q	 5.00%		
76-80	NQ&Q	 3.50%		
81-85	NQ&Q	 1.75%

A commission chargeback applies to full or partial surrenders and deaths in the first policy year. The amount of commission chargeback varies by the policy month in which the surrender of death occurs:
	Policy months 1-6 = 100%
	Policy months 7-12 = 50%
 

Minnesota