i4LIFE Advantage Select Guaranteed Income Benefit

Benefit is only available in conjunction with i4LIFE Advantage. Benefit guarantees minimum level of future income regardless of investment performance of underlying investment options. Initial Guaranteed Income Benefit will be an amount equal to a specified percentage of contract value ranges from 2.25% (for age 39 or younger) to 5.25% (for age 80 or older) for single life and for joint life ranges from 2.0% (for age 39 or younger) to 4.75% (for age 80 or older), based on the age of annuitant at rider issue. After Access Period, remaining contract value will applied to continue regular income payments for life of annuitant and contract value will be reduced to zero. If benefit is elected, certain restrictions will apply - 1) 4% AIR will be used to calculate regular income payments, 2) The minimum Access Period is the longer of 20 years and age 90. We may change this Access Period requirement prior to election of the Guaranteed Income Benefit., If amount of i4LIFE Advantage regular income payment has fallen below Guaranteed Income Benefit, because of poor investment results, a payment equal to i4LIFE Advantage Guaranteed Income Benefit is minimum payment owner will receive. If contract value reaches zero, Access Period will end and Lifetime Income Period will begin. Owner must be age 95 or younger for NQ and 80 or younger for QP contracts at rider issue. If contract owner electing this rider have earlier purchased Lincoln Market Select Advantage, then the charges will be same as the earlier selected rider.