Lincoln IRA Income Plus

The rider provides a guaranteed lifetime income.,Rider is available for purchase with a variable annuity contract if the purchase payment or contract value (if purchased after the contract is issued) is at least $25,000. After the first rider anniversary, cumulative additional purchase payments into the contract will be limited to an amount equal to $100,000. The owner/annuitant as well as the spouse under the joint life option must be under age 86 for NQ (age 76 for QP) at the time this rider is elected. To continue the payments under this rider, an annuity payout option must be elected by the last day of the owner's 85th birthday for QP and 99th birthday for NQ.

Purchase payments in a rider year earn the enhancement in the next rider year, except that purchase payment within 90 days of the rider effective date receive the first rider year Enhancement. Enhancement is not available in any rider year that there is a withdrawal including a Protected Annual Income payment.