Fixed index annuity review and rates
Lincoln OptiBlend 10 (CA Only)
The Lincoln OptiBlend 10 is a flexible premium fixed indexed annuity with a 10-year surrender charge period and MVA provision. The Lincoln OptiBlend 10 provides advantages such as tax deferral, long-term growth, and a death benefit payout with the added benefit of enhanced growth with no risk of loss of premium due to market fluctuations.
Available in states:
CA
Allocation Accounts
| Name | Type | Rates |
|---|---|---|
| 1-Year Fixed Account |
Fixed
|
3.65%
Fixed
|
| 1-Year BlackRock Dynamic Allocation PTP Participation Rate |
Point to Point
Annual
|
150%
Participation
|
| 2-Year BlackRock Dynamic Allocation PTP Participation Rate |
Point to Point
Biennial
|
200%
Participation
|
| 1-Year Fidelity AIM Dividend PTP Participation Rate |
Point to Point
Annual
|
160%
Participation
|
| 1-Year S&P 500 DRC 5% TR PTP Spread |
Point to Point
Annual
|
2.25%
Spread
|
| 1-Year S&P 500 PTP Cap |
Point to Point
Annual
|
8%
Cap
|
| 1-Year S&P 500 PTP Participation Rate |
Point to Point
Annual
|
30%
Participation
|
| 1-Year BlackRock Dynamic Allocation PTP Participation Plus |
Point to Point
Annual
|
200%
Participation
|
| 1-Year S&P 500 Performance Triggered |
Performance Triggered
Annual
|
7%
Performance triggered
|
| 1-Year Fixed Account |
Fixed
|
3.9%
Fixed
|
| 1-Year BlackRock Dynamic Allocation PTP Participation Rate |
Point to Point
Annual
|
175%
Participation
|
| 2-Year BlackRock Dynamic Allocation PTP Participation Rate |
Point to Point
Biennial
|
225%
Participation
|
| 1-Year Fidelity AIM Dividend PTP Participation Rate |
Point to Point
Annual
|
185%
Participation
|
| 1-Year S&P 500 DRC 5% TR PTP Spread |
Point to Point
Annual
|
2%
Spread
|
| 1-Year S&P 500 PTP Cap |
Point to Point
Annual
|
8.5%
Cap
|
| 1-Year S&P 500 PTP Participation Rate |
Point to Point
Annual
|
35%
Participation
|
| 1-Year BlackRock Dynamic Allocation PTP Participation Plus |
Point to Point
Annual
|
225%
Participation
|
| 1-Year S&P 500 Performance Triggered |
Performance Triggered
Annual
|
7.5%
Performance triggered
|
| 1-Year S&P 500 DRC 10% ER PTP Spread |
Point to Point
Annual
|
1%
Spread
|
| 1-Year S&P 500 DRC 10% ER PTP Spread |
Point to Point
Annual
|
0.75%
Spread
|
Surrender schedule
| Year | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 | 9 |
|---|---|---|---|---|---|---|---|---|---|
| Penalty | 9% | 8% | 7% | 6% | 5% | 4% | 3% | 2% | 1% |
Lincoln National Life Insurance Company
Founded:
1905
A.M. Best:
A
Fitch:
A+
S&P:
A
Moody's:
A1
Brochure
Free withdrawal
10%
Surrender schedule
9 years
Return of premium
Market value adjustment
Minimum contribution
$10,000
Types of funds
Non-Qualified, IRA, IRA Rollover, IRA Transfer, IRA-Roth, Stretch IRA, and NQ Stretch