Lincoln review

Investors working with a fee-only or fee-based advisor who want true market participation through subaccounts inside a low-cost, no-surrender annuity wrapper

Pre-retirees and early retirees who want a built-in lifetime income rider on a shorter 7-year contract and who value more flexible access to their money than most income annuities allow

Buyers working with a fee-only or fee-based advisor who want tax-deferred market investing through subaccounts, full liquidity with no surrender schedule, and the choice to add lifetime income only if they want it

Buyers who want principal protection with a wide range of S&P 500 crediting choices, a low entry point, and the option to add an income rider later

Buyers in their 50s to 70s who can commit $75,000 of long-term money, want a built-in lifetime income rider with a meaningful roll-up, and are willing to defer income for several years

Buyers in or near retirement who can commit $75,000 of long-term money and want a built-in lifetime-income rider with a high simple-interest roll-up

Fee-based advisory clients who want index-linked growth potential with a defined buffer or floor against losses, and who do not want a surrender period locking up their money

Fee-based advisory clients who want index-linked growth with a chosen amount of downside protection and a no-surrender, fee-only contract

Buyers who want index-linked upside with meaningful downside buffers and do not need a built-in income rider

Fee-based advisory clients in or near retirement who want a built-in lifetime income rider wrapped around buffered index growth, with no surrender period to navigate

Buyers who want principal protection, a low entry point, and an unusually wide menu of crediting strategies inside a 7-year FIA — including a multi-year lock option

Fee-based advisory clients who want principal protection, a 5-year surrender window, and a meaningful range of crediting strategies without commission-based pricing embedded in the contract

Buyers in their 50s to 70s who can commit $75,000 of long-term money, want a built-in lifetime income rider with a meaningful roll-up, and value a broad, flexible crediting menu they can shape over time

Buyers in their late 50s through their 70s who have at least $75,000 to commit, want a built-in lifetime income rider with a high deferral roll-up, and can leave the money alone for seven years

Buyers who want true market-based investment growth inside a tax-deferred wrapper, a very deep subaccount menu, and the option to bolt on lifetime income or a stronger death benefit later

Buyers in their late 50s or 60s who want a Merrill Lynch-distributed income annuity with a built-in lifetime income rider, a 9% simple annual roll-up, and an optional death benefit enhancement

Growth-oriented buyers who want partial downside protection through buffers, a broad index menu, and more day-one liquidity than a typical RILA offers

Buyers who want partial market-loss protection with more upside than a fixed indexed annuity, plus a death benefit that returns at least the premiums paid

Fee-based advisory clients who want index-linked growth with a defined buffer against losses and do not need lifetime income from the contract

Buyers who want some equity-market participation with partial downside protection rather than full principal safety, and can commit money for six years through a commission-based advisor

Buyers who want more index upside than a fixed indexed annuity allows and are willing to accept some market loss in exchange for a defined protection level

Buyers aged 76 to 85 who want RILA-style buffered growth potential and want their heirs guaranteed to receive at least the original premium if the account has declined

Buyers who want structured buffer or floor protection, meaningful upside potential, and the added assurance that their heirs will receive at least the original principal back regardless of market conditions

Buyers who want future lifetime income, are comfortable taking on some market downside in exchange for higher growth potential than a fixed indexed annuity, and want a built-in income rider with a relatively short 6-year surrender

Buyers who want a guaranteed fixed rate locked in for a full 5 years, a well-known carrier behind the contract, and no complexity to manage

Buyers who want a guaranteed fixed rate locked in for a full 5 years from a well-known carrier, with a tiered rate structure that rewards larger deposits

Fee-based advisors and their clients who want a guaranteed multi-year rate without commission drag, backed by a well-rated carrier and a clean contract design

Buyers who want principal protection, a shorter 5-year commitment, and a meaningful range of crediting options without paying for an income rider they do not need

Buyers working with an Edward Jones advisor who want a guaranteed fixed rate locked in for seven years, with a better rate at the $100,000 threshold and meaningful hardship waivers included at no extra cost

RIA-channel buyers who want a low-cost, short-term FIA with principal protection, a low minimum premium, and a flexible crediting menu

Buyers who want principal protection, a broad set of crediting strategies including trigger-based and participation-rate options, and a shorter 5-year commitment without paying for a built-in income rider

Growth-oriented buyers who want partial downside protection via buffers, access to a broad index menu, and are comfortable working exclusively through a Merrill Lynch advisor

Buyers who want a guaranteed fixed rate locked in for 7 years and are comfortable with a mid-size carrier commitment backed by a strong A+ rating

Buyers who want a guaranteed fixed rate locked in for 5 years from a well-rated carrier and have at least $100,000 to put to work

Buyers who want a low minimum-premium entry into a long-duration FIA with a broad crediting menu and no income rider cost

Buyers who want a shorter FIA commitment, principal protection, and index-linked growth potential without the cost of an income rider

Retirement savers who want broad market participation, an optional guaranteed lifetime income rider, and the flexibility of a minimal surrender commitment sold through Edward Jones

Buyers who want a shorter-commitment FIA with a low minimum premium, principal protection, and a simple crediting menu that does not require managing a complex strategy lineup

Primerica clients who want principal protection, a varied crediting menu including trigger-based strategies, and a shorter 5-year commitment without a built-in income rider

Investors working with a fee-only or fee-based advisor who want tax-deferred market growth in a low-cost annuity wrapper with full liquidity, and who like the idea of a future income option that keeps access to the money

Investors working with a fee-only or fee-based advisor who want tax-deferred market growth in a low-cost annuity wrapper with full liquidity

Buyers who want broad mutual-fund-style investment access inside a tax-deferred insurance wrapper, on a shorter 5-year surrender schedule, with the option to add lifetime income or an enhanced death benefit later

Buyers who want broad mutual-fund-style investment access inside a tax-deferred insurance wrapper with no surrender charges and complete liquidity from day one

Investors working with a fee-based or fee-only advisor who want tax-deferred market growth in a very low-cost annuity wrapper with full liquidity, and who like the idea of adding lifetime income later without locking up the account

Buyers who want some equity market participation through a Primerica advisor, need partial downside protection rather than full principal safety, and are comfortable with a 6-year surrender commitment

Buyers who want index-linked growth potential with defined downside buffers and want to ensure premiums pass to heirs intact if they die during the surrender period

Conservative buyers who want a guaranteed fixed rate locked for a full decade and value a well-known carrier name with solid financial strength

Edward Jones clients who want a guaranteed fixed rate locked in for ten years and are comfortable with a 7-year surrender schedule backed by a solid A-rated carrier

Edward Jones clients who want a simple, guaranteed fixed rate for 5 years from a name-brand carrier with a low $10,000 entry point

Buyers who want a short-duration FIA through Morgan Stanley, principal protection, and a choice of crediting methods without paying for an income rider

Buyers who want market-linked growth potential inside a variable annuity with access to a curated American Funds subaccount lineup and optional income or enhanced death benefit protection

Buyers who want tax-deferred market participation through American Funds-managed subaccounts and like having optional income, death benefit, and care-support riders they can add only if needed

Merrill Lynch clients who want broad mutual-fund-style investment access inside an insurance wrapper, with the option to add a lifetime income rider later

Investors who want market-based subaccount growth inside a tax-deferred wrapper and may add an optional income, death-benefit, or long-term-care rider later

Buyers who want broad mutual-fund-style investment access inside a tax-deferred insurance wrapper, with the option to add a lifetime income or enhanced death-benefit rider later

Investors in a fee-based advisory relationship who want tax-deferred market investing with full liquidity, a deep subaccount lineup, and no surrender charges

Investors working with a fee-only or fee-based advisor who want tax-deferred market growth across a wide subaccount menu without a surrender period

New York investors working with a fee-based advisor who want tax-deferred market exposure through a low-cost annuity wrapper with no surrender period

Investors already working with a fee-based advisor who want tax-deferred market investing in a low-base-cost annuity with no surrender charges and full subaccount flexibility

Fee-based advisory clients who have maxed out other tax-deferred accounts and want low-cost tax-deferred market exposure inside a managed portfolio

New York residents who want market-based subaccount growth inside a tax-deferred annuity and may add a lifetime-income or enhanced-death-benefit rider later

New York buyers who want true market participation through a deep subaccount menu and are willing to pay for optional income or death-benefit guarantees on top

Buyers who want market-based growth through mutual-fund subaccounts and are willing to add and pay for optional income, death-benefit, or long-term-care riders to shape the contract around a specific goal

Buyers who want tax-deferred market participation across a wide subaccount menu and are willing to add a paid rider for income or a stronger death benefit

Investors who want a broad subaccount lineup inside a tax-deferred wrapper, a short 5-year surrender window, and the option to add lifetime income later rather than paying for it from day one

Investors who want a tax-deferred wrapper around a broad fund menu and refuse to lock up their money behind a surrender schedule

New York residents who want true market exposure through fund subaccounts and are willing to pay for an optional lifetime-income or income-distribution rider on top

New York buyers who want broad market participation through subaccounts and the option to bolt on a lifetime-income or enhanced death-benefit rider later

New York investors who want tax-deferred market exposure across a broad subaccount lineup and don't need a guaranteed lifetime-income rider