Lincoln SmartSecurity Advantage - 1 Year Automatic Step-up

The rider provides a guaranteed return of principal. It also provides a guaranteed lifetime benefit if the age at first withdrawal is 65 or older.,The Guaranteed Amount (GA) is a value used to calculate withdrawal benefit under this rider. If rider is elected on the base policy contract date, initial GA is equal to initial purchase payment. If rider is elected after the base policy contract date, initial GA is equal to Contract Value on effective date of the rider. After the first rider anniversary, cumulative additional purchase payments into the contract will be limited to an amount equal to $100,000.