EL
● Active
Estate Lock Death Benefit
Lincoln National Life Insurance Company
DTCC ID
—
COMPANY
Lincoln National Life Insurance Company
TYPE
Indexed Annuity
INCEPTION
Mar 16, 2026
Identity
Benefit name
Estate Lock Death Benefit
Internal benefit name
Estate Lock Death Benefit
Product policy type
Indexed Annuity
Status
● Active
Sequence
2
Inception date
Mar 16, 2026
Closed date
—
DTCC Rider ID
—
Last modified
Mar 12, 2026
Life & Age
Based on life
Owner
Single life
No
Joint life
No
Min age
—
Max age
—
Rider select rule
Optional
Waiting period
—
Waiting term
—
Benefit Base
Maximum benefit base
—
Maximum benefit base %
—
With reduce benefit base
—
Subsequent premium
—
Partial withdrawals
—
Required min distributions
—
Coverage Flags
Exclude premium bonus
No
Spousal continuation option
No
State Availability
Exception flag
No
Available in states
—
Benefit Description
Available in Combination with ProtectedPay Select rider, Upon the Death of the Owner, the Beneficiary shall receive a death benefit equal to the greater of: (i) the Purchase Payment, or (ii) the Contract Value. The death benefit shall be subject to a cap equal to the greater of: (i) 125% of the Surrender Value, or (ii) the lesser of (a) Purchase Payment less all gross withdrawals accumulated at an annualized interest rate of 10%, or (b) 250% of Purchase Payment minus the sum of all withdrawals. Contract issued in FL and SC are not subject to the cap. The Estate Lock Death Benefit shall extend the waiting period for income withdrawals under the ProtectedPay Select Rider to one year.
Lifecycle Events
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