Primerica and Lincoln

the start of a great

partnership
Introducing Lincoln xed indexed annuities
The Lincoln National Life Insurance Company
Not a deposit Not FDIC-insured May go down in value
Not insured by any federal government agency
Not guaranteed by any bank or savings association
FOR INCOME Fixed Indexed Annuity
2054107 For agent or broker use only. Not for use with the public.
Our reputation and experience
For over 100 years, Lincoln Financial Group

companies have been helping people nd

solutions to nancial challenges. We are constantly striving to develop products and
features, along with the resources and materials you need, to better serve your clients.
Together, we can help your clients face their futures with condence.
History
In 1905, 33 founders came together to form The Lincoln National Life Insurance Company.
Robert Todd Lincoln granted permission to use his fathers name and likeness chosen to embody the integrity
behind the companys mission.
Lincoln expanded into new markets and in 1967 introduced its rst variable annuity and rst retirement plan.
In 2006, Lincoln merged with Jefferson-Pilot Corporation, solidifying the company as one of the largest
and most enduring nancial services organizations in the United States.
Results for three months ended December 31, 2010
Lincoln had assets under management of $157 billion,
net income of $266 million, and liabilities of $181 billion.
Gross deposits were $5.5 billion with net ows of
$1.3 billion.
Cash and cash equivalents were $700 million held at the
holding company.
Full year 2010 highlights
$20.9 billion of consolidated deposits and $6.3 billion
of positive net ows, reecting our solid fundamentals
and franchise strength.
Total account balances rose 11% year-over-year to $157.3
billion, driven by positive equity markets and net ows.
* These ratings apply only to the claims-paying ability as of April 26, 2011. All ratings are subject to revision or withdrawal at any time by the rating agencies. The ratings are
not recommendations to buy, sell or hold our securities. For more information on ratings, including rating agency outlooks, see www.LincolnFinancial.com/investor.
This document contains summary information regarding Lincoln Financial Group and was last updated February 25, 2011. More detailed information
can be found in our most recent Annual Report to Shareholders and our reports on Form 10-K, 10-Q and 8-K filed with the SEC.
Financial data as of December 31, 2010, and subject to change. For more information about Lincoln Financial Group

affiliates, go to www.LincolnFinancial.com.
The Lincoln National Life Insurance Company Lincoln Life & Annuity Company of New York
A.M. Best A+ (2nd highest of 16) A+ (2nd highest of 16)
Fitch A+ (5th highest of 21) A+ (5th highest of 21)
Moodys A2 (6th highest of 21) A2 (6th highest of 21)
Standard & Poors AA (4th highest of 21) AA (4th highest of 21)
Financial strength ratings*
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Company highlights
Identifying your clients needs
Your clients have worked and planned all their life to save for retirement. As they
reach their goals, their aim is to preserve more and risk less. However, most clients
still need to grow their savings to face the risks that come with retirement. When its
time to decide where to put their money, they often have to choose between risk
and reward.
Balancing between risk and reward
Bank
CDs, Savings, Money market
Benets
Safety, Liquidity
Disadvantage
Longevity risk due to rates/yields
Your clients retirement could last 20
to 30 years or more. One member
of a 65-year-old couple today has
a 50% chance of living to age 92
and a 25% chance of living to age
97.
1
These products may not provide
the growth you need to stretch
your assets over the entire course
of retirement.
Market
Bonds, Stocks, Mutual funds
Benets
Growth potential, Returns
Disadvantage
Market volatility
No one can predict what the
market will do or when it will do it.
The market has experienced annual
returns ranging from greater than
50% to less than 40%.
2
1
2000 Annuity Tables, Society of Actuaries, April 2006.
2
Ned Davis Research, 2009. Based on the DJIA, 1901 to 2009. Past performance does not guarantee future results.
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Why Lincoln xed indexed annuities?
Our xed indexed annuities help your clients bridge the gap between risk and reward, giving
them both protection and opportunities for growth. They also provide:
Wealth preservation a way to preserve and protect 100% of the money already
accumulated
Growth potential a way to grow existing wealth with crediting rates that take
advantage of index upswings and also receive tax-deferred growth
Guarantees guaranteed minimum interest rates; guaranteed access to money for
unexpected events, such as nursing home connement or terminal illness; and a guaranteed
death benet*
Income options to meet short and long-term retirement income needs, including an
income stream for a lifetime
A strong and reputable company the condence of knowing the money is backed
by the strength and stability of Lincoln, an industry-leading insurance company you can trust
* Guarantees are backed by the claims-paying ability of The Lincoln National Life Insurance Company.
Lincoln New Directions Lincoln OptiChoice
What makes Lincoln New Directions

and Lincoln OptiChoice

SM

xed indexed annuities unique
Premium type
Surrender charge period
Fixed interest rates
Indexed accounts
Six or eight year
guaranteed interest rate
Six or eight years
Two indexed accounts tied to
the S&P 500 Index. One indexed
account offering a one-year
indexed term,and a second
offering a two-year term
Three indexed accounts
tied to the S&P 500 Index.
All three accounts offer a
one-year indexed term
One-year guaranteed interest
rate, which renews annually
Seven years
Flexible premium Single premium
Forget what youve heard
You may have heard some bad press relating to indexed annuities. Products with 15-year
surrender schedules, surrender charges as high as 25%, and hidden expenses and fees.
These are NOT the types of products Lincoln offers.
Our xed indexed annuities are designed with the clients best interest in mind and feature:
No fees for purchasing the annuity (fees only
apply if an optional rider is elected)
Maximum surrender period of eight years
Maximum frst-year surrender charges of 9%,
and a declining schedule so charges decrease
each year
Ability to take a 10% penalty free withdrawal
during the surrender period immediately
no waiting periods
Access to money, without charge, if client
becomes terminally ill or enter a nursing home
after rst anniversary
Ability to allocate between interest accounts
as needed at the end of each indexed term
5
Guaranteed growth Contracts will grow at a guaranteed minimum xed interest
rate that will never be less than 1.00%.
Protection for loved ones A death benet will assure that any of your clients remaining
assets will be passed on to loved ones
Guarantees for your health For qualifying medical issues, there are also nursing home and
terminal illness benets that allow your clients to access their
money without charge, after the rst contract year.
Income options There are multiple ways to take income from a Lincoln xed
indexed annuity:
10% free withdrawal during surrender period
Systematic withdrawals
Annuitization
For an additional charge, an optional rider can provide lifetime
income without giving up control of assets.
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Both products also offer shared features that provide your clients additional
access and benets when they need it most
INCOME
LIFE
RETIREMENT
GROUP BENEFITS
This material was prepared to support
the promotion and marketing of
investment and insurance products.
Lincoln Financial Group

afliates,
their distributors, and their respective
employees, representatives, and/or
insurance agents do not provide tax,
accounting, or legal advice. Any tax
statements contained herein were
not intended or written to be used,
and cannot be used for the purpose
of avoiding U.S. federal, state, or local
tax penalties. Please consult your own
independent advisor as to any tax,
accounting, or legal statements
made herein.
A xed indexed annuity is intended for retirement or other long-
term needs. It is intended for a person who has sufcient cash
or other liquid assets for living expenses and other unexpected
emergencies, such as medical expenses. A xed indexed annuity
is not a registered security or stock market investment and
does not directly participate in any stock or equity investments,
or index. The index used is a price index and does not reect
dividends paid on the underlying stocks.
Lincoln New Directions

xed indexed annuities (contract form

94-523, or state variation) and Lincoln OptiChoice
SM
xed indexed
annuities (contract form 05-606 or state variation) are issued by
The Lincoln National Life Insurance Company, Fort Wayne, IN,
and distributed by Lincoln Financial Distributors, Inc., a broker/
dealer. The Lincoln National Life Insurance Company does
not solicit business in the state of New York, nor is it
authorized to do so. Contractual obligations are backed
by the claims-paying ability of The Lincoln National Life
Insurance Company.
Contract may be referred to as certicate in certain states
(certicate may not be available in all states). The certicate
is a group annuity certicate issued under a group annuity
contract issued by The Lincoln National Life Insurance Company
to a group annuity trust.
The exact terms of the annuity are contained in the contracts
and any attached riders, which will control the issuing companys
contractual obligations. For more information about the annuity,
please also read the Client Guide, Disclosure Statement and Facts
At-A-Glance, or contact your Lincoln representative.
Income taxes are due upon withdrawal and if withdrawn before
age 59, a 10% federal penalty tax may apply. Withdrawals and
surrenders may be subject to surrender charges and a Market
Value Adjustment.
There is no additional tax-deferral benet for contracts purchased
in an IRA or other tax-qualied plan, since these are already
afforded tax-deferred status.
Product and features are subject to state availability. Limitations
and exclusions may apply. Fixed indexed annuities are not
available in New York.
For agent or broker use only.
Not for use with the public.
Not a deposit
Not FDIC-insured
Not insured by any federal
government agency
Not guaranteed by any
bank or savings association
May go down in value
2011 Lincoln National Corporation
Lincoln Financial Group
150 N. Radnor-Chester Road
Radnor, PA 19087
www.LincolnFinancial.com
Lincoln Financial Group is the
marketing name for Lincoln National
Corporation and
its afliates.
Afliates are separately
responsible for their own nancial
and contractual obligations.
LCN1105-2054107
RP 5/11 Z01
Order code: FA-PRIME-BRC001
HELPING PEOPLE FACE THE FUTURE WITH CONFIDENCE
At Lincoln Financial Group, weve spent more than 100 years living up
to the character of our namesake: integrity, honesty, and the belief in a
better tomorrow. We provide advice and solutions to help people save
for tomorrow, secure and maximize their income, protect themselves
and their loved ones, and prepare for the unexpected.