Fixed index annuity review and rates

Lincoln Impact Advantage 7

With the indexed accounts available in Lincoln Impact Advantage, you’ll never be credited less than 0%. So you can stop worrying about changes in the market and focus on growth opportunities.
The power of protection
When the index is negative during an indexed term, the lowest your account will be credited is 0%.
Growth potential
Your account has the potential to receive credit with positive index performance.
Gains are protected
Since the indexed accounts never earn a negative interest rate, you never have to recover from losses before seeing additional positive growth if the index rebounds. 
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, RI, SC, SD, TN, TX, UT, VT, VA, WA, WV, WI, and WY

Allocation Accounts

Name Type Rates
1-Year Fixed Account
Fixed
3.7% Fixed
1-Year J.P. Morgan First Trust Balanced Capital Strength 5 PTP Participation Rate
Point to Point
Annual
125% Participation
1-Year S&P 500 PTP Participation Rate
Point to Point
Annual
32% Participation
1-Year S&P 500 DRC 5% TR PTP Spread
Point to Point
Annual
1% Spread
2-Year J.P. Morgan First Trust Balanced Capital Strength 5 PTP Participation Rate
Point to Point
Biennial
200% Participation
1-Year S&P 500 PTP Cap
Point to Point
Annual
8.3% Cap
1-Year Fixed Account
Fixed
3.95% Fixed
1-Year J.P. Morgan First Trust Balanced Capital Strength 5 PTP Participation Rate
Point to Point
Annual
150% Participation
1-Year S&P 500 PTP Participation Rate
Point to Point
Annual
37% Participation
1-Year S&P 500 DRC 5% TR PTP Spread
Point to Point
Annual
0.75% Spread
2-Year J.P. Morgan First Trust Balanced Capital Strength 5 PTP Participation Rate
Point to Point
Biennial
225% Participation
1-Year S&P 500 PTP Cap
Point to Point
Annual
8.8% Cap

Surrender schedule

Year 1 2 3 4 5 6 7
Penalty 9% 8% 7% 6% 5% 4% 3%
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
7 years
Return of premium
Market value adjustment
Minimum contribution
$100,000
Types of funds
Non-Qualified, IRA, IRA Rollover, IRA-Roth, Stretch IRA, and NQ Stretch