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
160% 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
140% Participation
1-Year S&P 500 DRC 5% TR PTP Spread
Point to Point
Annual
1.25% Spread
1-Year S&P 500 PTP Cap
Point to Point
Annual
7.5% 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
205% Participation
1-Year S&P 500 Performance Triggered
Performance Triggered
Annual
6.25% Performance triggered
1-Year Fixed Account
Fixed
3.85% Fixed
1-Year BlackRock Dynamic Allocation PTP Participation Rate
Point to Point
Annual
185% 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
165% Participation
1-Year S&P 500 DRC 5% TR PTP Spread
Point to Point
Annual
1% 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
35% Participation
1-Year BlackRock Dynamic Allocation PTP Participation Plus
Point to Point
Annual
230% Participation
1-Year S&P 500 Performance Triggered
Performance Triggered
Annual
6.75% Performance triggered

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
Carrier details
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