Fixed index annuity review and rates

Flex Advantage 5

One of the unique advantages of Lincoln FlexAdvantage is the flexibility it offers to adapt to your needs and goals. You can allocate your money between six different account options, with the ability to reallocate every year on your contract anniversary. And whether your retirement is years away or just around the corner, you’ll be able to add money anytime you want. By adding more money, you’ll have the opportunity to accelerate your account growth throughout your journey.
Available in states: AL, AK, AZ, AR, CO, CT, DE, DC, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NC, ND, OH, OK, OR, PA, PR, RI, SC, SD, TN, TX, UT, VT, VA, WA, WV, WI, and WY

Allocation Accounts

Name Type Rates
1-Year Fixed Account
Fixed
4.15% Fixed
1-Year S&P 500 PTP Cap
Point to Point
Annual
8.75% Cap
1-Year S&P 500 PTP Participation Rate
Point to Point
Annual
35% Participation
1-Year S&P 500 DRC 5% PTP Spread
Point to Point
Annual
1.25% Spread
1-Year Fidelity AIM Dividend PTP Participation Rate
Point to Point
Annual
160% Participation
1-Year BlackRock Dynamic Allocation PTP Participation Rate
Point to Point
Annual
175% Participation
1-Year BlackRock Dynamic Allocation PTP Participation Plus
Point to Point
Annual
220% Participation
1-Year S&P 500 Performance Triggered
Performance Triggered
Annual
7.8% Performance triggered
1-Year Fixed Account
Fixed
4.4% Fixed
1-Year S&P 500 PTP Cap
Point to Point
Annual
9.25% Cap
1-Year S&P 500 PTP Participation Rate
Point to Point
Annual
40% Participation
1-Year S&P 500 DRC 5% PTP Spread
Point to Point
Annual
1% Spread
1-Year Fidelity AIM Dividend PTP Participation Rate
Point to Point
Annual
185% Participation
1-Year BlackRock Dynamic Allocation PTP Participation Rate
Point to Point
Annual
200% Participation
1-Year BlackRock Dynamic Allocation PTP Participation Plus
Point to Point
Annual
245% Participation
1-Year S&P 500 Performance Triggered
Performance Triggered
Annual
8.05% Performance triggered

Surrender schedule

Year 1 2 3 4 5
Penalty 9% 8% 7% 6% 5%
Lincoln National Life Insurance Company
Founded: 1905
A.M. Best: A+
Fitch: A+
S&P: A+
Moody's: A1
Carrier details
Free withdrawal
10%
Surrender schedule
5 years
Return of premium
Market value adjustment
Minimum contribution
$10,000
Types of funds
Non-Qualified, IRA, IRA Rollover, IRA-Roth, Stretch IRA, and NQ Stretch