IMPORTANT: By selecting any of the links below, next to any of these products, you agree that you have first selected and reviewed the corresponding brochure. All products and riders may not be available in all states. Certain variations to products, rates, features, riders, and guarantees may exist based on your state of residences. Check with the experts at AnnuityGrader® at 888-516-7414 for availability/modifications in your state. Rates may change without notice. Call for the most current rates.

Withdrawals are subject to taxes, including a tax penalty for withdrawals prior to
age 59 ½.

Last update 5/5/2009

Annuity Grader® Rank Company	Product Name	Term	Surrender Charges	Index Crediting Method How do these work?	Minimum Interest Rate Guarantees	Penalty Free Withdrawals	Benefit Riders	Company Strength (1-5 scale) What is a Comdex Rating	Brochure
Report Card Request Free Personalized Report	Envoy 6	9(can receive full account value penalty free after 6 years)	9 years 9%,9,9, 9,8,7,6, 5,4%	Annual Point to Point 70%S&P 500® 30% EuroStoxx 50® Index®	1% on 100% of the premium	10% immediate	Nursing Home Terminal Illness Waiver Death Benefit is Accumulated  Value Income Protector Withdrawal Benefit	5	Brochure Income Protector Brochure
Report Card Request Free Personalized Report	Secure Index  Five	5yrs.	5 years 8%,7.50, 6.50, 5.50, 4.50%	Annual Point to Point Monthly Average Index Spread Point to Point Participation Index Monthly Point to Point Fixed Rate	1.5% on 100% of Premium	After 1st year, 10% per year	Nursing Home Terminal Illness Waiver Death Benefit is Accumulated  Value Income Protector Withdrawal Benefit	5	Brochure
Request Free Personalized Report	Envoy 3	9yrs. (can receive full account value penalty free after 3 or 6 years)	9 years 9%,9,9, 8,7,6, 5,4%	Annual Point to Point Point to Point Participation Index 70%S&P 500® 30% EuroStoxx 50® Index® Fixed Rate	1% on 100% of the Premium	10% immediate	Nursing Home Terminal Illness Waiver Death Benefit is Accumulated  Value Income Protector Withdrawal Benefit	5	Brochure Income Protector withdrawal benefit brochure Presentation
Request Free Personalized Report Lincoln National	New Directions 6	6yrs.	6 years 9%,8,7, 6, 4.75, 3.50%	2 year  Point to Point Perform. Fixed Rate	1.75% on 100% of Premium	10% Immediate		5	Brochure
Request Free Personalized Report Lincoln National	Optichoice Five	5yrs.	5 years 9%,8,7 6,5%	Annual point to point Monthly Point to Point Cap Monthly Average  (All linked to the S&P 500 index®)	1.25% on 100% of  Premium	10% per year Immediate	Nursing Home Terminal Illness Waiver Lifetime Income  Rider	5	Brochure

 

 

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