Chart a Simpler Course to Roth Conversions
Help clients navigate a smoother path toward a tax-efficient retirement strategy.

This summer, help your clients navigate toward a more tax-efficient retirement strategy—without getting caught in a sea of paperwork. 

Lincoln's streamlined Roth IRA conversion process through our fixed indexed annuities makes conversions easier, faster, and more flexible, so you can spend less time on administrative tasks and more time helping clients reach their financial goals. 

Why Lincoln's Roth Conversion Process Is Smooth Sailing

• One Application. One Checkbox.
  No complicated paperwork. No duplicate applications. Just one application and a simple checkbox to get started. 

• Only Two Contracts to Track
  Clients receive one Traditional IRA contract and one Roth IRA contract, both with the same surrender schedule. 

• Convert When the Time Is Right
  Clients can convert any amount, at any time, without opening a new contract or completing another application. 

• Optional Tax Withholding
  Lincoln can handle tax withholding directly from the conversion amount, helping simplify planning along the way. 

• Not ready yet? The option stays open.
  Clients can always establish a Roth IRA later with a new application if they choose to convert in future years. 

Don't let Roth conversions become a summer headache. With Lincoln, the process is designed to be smooth, simple, and advisor-friendly. 

Share our client flyer today and help clients navigate towards a more tax-efficient retirement.

Younger Clients Are Taking a Look at Annuities

Three new client-approved videos have debuted of late. Share them and tee up value-added conversations.

• Because We're Not Built for Just Today
• The Great Wealth Transfer
• Outstanding Customer Satisfaction

As baseball's brightest stars take center stage during All-Star Week, Lincoln's latest OptiBlend enhancements are officially in play. 

Effective today, July 13: 

Lincoln OptiBlend Income Fixed Indexed Annuity:

• Protected Income Base rollup increased from 9% to 10% during years of deferral.
• ProtectedPay Lifetime payout rates increased by 0.40% at every age.
• Payout rates for clients electing the Estate Lock death benefit remain unchanged.
• Click here to view all enhancement details. 

Lincoln OptiBlend Fixed Indexed Annuity:

• Increased rates on several crediting strategies.
• Click here to access the updated OptiBlend Rate Sheet. 

Whether clients are focused on generating more retirement income, pursuing greater growth potential, or balancing both objectives, these enhancements provide even more opportunities within the OptiBlend lineup. 

Don't wait for the seventh-inning stretch—take a fresh look at your pipeline and see where these new enhancements can help deliver stronger client outcomes.

Making it easier to fund annuity business can help you keep cases moving and better meet client preferences.

The Smarter Start Guarantee is now available! As part of our newly redesigned Smart Start Accumulator and Smart Start Accumulator Plus fixed index annuities, this new feature helps maximize accumulation for your clients by eliminating the risk of a first-year zero credit.

And for a limited time—fully-funded applications submitted July 7 through Sept. 7 will secure a guaranteed 6% Smarter Start Guarantee rate on qualifying first-year allocations.

View product highlights.

Product training

• Required suitability training, course LAD10822, must be completed before sale.
• Financial professionals who completed LAD10385 prior to 07/07/2026 must complete the supplemental update module LAD10821.
• Training can be found on RegEd and My Learning

Are you working with clients who want growth potential but are just done with losses?

Meet Capital Group Dividend Value (CGDV) ETF Participation.

• Active dividend strategy
• 100% downside protection
• Exclusive to Lincoln Fixed Indexed annuities                                                                                                                                                                                                                                  

The ETF has outperformed the S&P 500 since inception, and clients never take market losses inside the FIA.

Take a look at the results in our client-approved one-pager. 

You have more flexibility when it comes to funding annuity business.

In addition to existing payment options, we can now accept and process electronic drafts up to $3 million, giving you an expanded option to meet client preferences at the point of sale.

Current funding options include:

• Electronic draft (up to $3 million)
• Check
• Wire transfer

Here’s the updated form. It can also be found in Forms & Materials.

Whether your client prefers a traditional or electronic approach, you have options to help keep business moving smoothly.

For many clients, market volatility seems like the biggest threat to retirement income planning. But the biggest financial risk retirees face is longevity risk- the possibility of outliving their money.

Life expectancy continues to climb in America, and even small increases can have a major impact on retirement outcomes. Extending retirement by just five years can significantly increase the likelihood that savings won’t last.

For your clients, that’s not a hypothetical risk, it’s a planning gap. And for you, it’s an opportunity to lead with strategy instead of reacting to market concerns.

A Practical Framework for Addressing Longevity Risk

1. Cover the Essentials First

Start by locking in the non-negotiables.

Client’s core expenses- housing, food, utilities, healthcare- should be covered by guaranteed or highly reliable income sources. This is where annuities become foundational, not optional.

When essential expenses are secured:

• Market volatility becomes less stressful
• Clients are less likely to make reactive decisions
• Portfolios can stay positioned for long-term growth

2. Balance Growth with Liquidity

Income certainty doesn’t have to mean sacrificing flexibility.

A well-structured retirement income plan balances:

• Short-term liquidity for unexpected needs (medical costs, home repairs)
• Intermediate assets for discretionary lifestyle spending
• Long-term growth investments to help address inflation over decades

This layered approach gives a clearer framework for positioning annuities alongside other assets, not in competition with them.

How Annuities Help Solve Longevity Risk

By delivering guaranteed, predictable income for life, annuities directly address the core challenge of making retirement income last. And when paired with a trusted carrier, they become an even stronger solution.

Help your clients move from uncertainty to confidence with an income strategy built to last, backed by Mutual of Omaha.

What is changing - 

• Smarter Start Guarantee - 
• Guaranteed minimum first-year floor: 4% in the first year (subject to change, though not expected to in the near future)
• Introductory offer: For the first 60 days (through September 7, 2026), the first-year floor will be 6%

• Annual Liquidity Increase - 
• Smart Start Accumulator (no bonus) and Smart Start Accumulator Plus (bonus without fee):
• Increased from 5% to 10%, effective 7/7/26
• Stacking (incremental increases) remains available only for Smart Start Accumulator Plus with fee
• Premium Bonus Update - 
• Smart Start Accumulator Plus bonus with fee version will be updating the premium bonus from 20% to 21%, effective 7/7/26
• California Going Live - 

• Smart Start Accumulator bonus with fee will have a state-specific 25% premium bonus and a 1% fee
• Ability for state-specific par and cap rates
• Will be added to the external communication 6/30
• Printed materials will not be ready by 7/7, but digital is in progress
• State-specific Surrender Schedule and Premium Bonus Recapture Schedule

Key Information - 

·                     Training -

o        Supplemental Course (LAD10821) is available on RedEd and LAD My Learning Plan. If the course was not added to your LAD Learning Plan, please send an email to LADEducation@AmericanNational.com and they will manually assign the course to you. For RedEd, the course number (LAD10821) is required to find the course.

o        Updated Full Product Training (LAD10822) is available on RegEd, LAD My Learning Plan, and LUMA.

o        Previous Full Product Training with Best Entry (LAD10385) was sunset on 6/22

·                     Illustrations - Illustrations have been updated in the dev environment and will go live in production on 7/7

·                     Marketing Materials - Materials will be updated on the website on 7/7