Fixed index annuity review and rates

Lincoln OptiBlend 5

The Lincoln OptiBlend 5 is a flexible premium fixed indexed annuity with a 5-year surrender charge period and MVA provision. The Lincoln OptiBlend 5 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. 

The Lincoln OptiBlend 5 is not an investment in the stock market. It is a fixed annuity that credits interest based on distinct Index Account Options Index (including the S&P 500 Daily Risk Control 5% Index) and the annual performance of the underlying indices with a fixed account option.
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
4.1% 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
250% Participation
1-Year S&P 500 PTP Participation Rate
Point to Point
Annual
35% 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
1% Spread
1-Year S&P 500 PTP Cap
Point to Point
Annual
9% Cap
1-Year BlackRock Dynamic Allocation PTP Participation Plus
Point to Point
Annual
220% Participation
1-Year S&P 500 Performance Triggered
Performance Triggered
Annual
8% Performance triggered
1-Year Fixed Account
Fixed
4.35% Fixed
1-Year BlackRock Dynamic Allocation PTP Participation Rate
Point to Point
Annual
200% Participation
2-Year BlackRock Dynamic Allocation PTP Participation Rate
Point to Point
Biennial
275% 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
0.75% Spread
1-Year S&P 500 PTP Cap
Point to Point
Annual
9.5% Cap
1-Year S&P 500 PTP Participation Rate
Point to Point
Annual
40% 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
8.25% 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-Roth, Stretch IRA, and NQ Stretch