Annuity Educator
Best Guaranteed Annuity Rates
2-Year
5.25%
3-Year
6.25%
5-Year
6.30%
7-Year
5.80%
10-Year
5.80%

Lincoln OptiBlend 5

In the complex world of retirement planning, annuities stand out as a popular choice for those seeking steady income streams in their golden years. Amidst a crowded market, a few annuity companies have distinguished themselves through their robust financial strength, customer service excellence, and diverse product offerings.

Get an annuity today!

Learn how an annuity can provide guaranteed income for life.

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% 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
260% Participation
1-Year S&P 500 PTP Participation Rate
Point to Point
Annual
57% 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
0.75% Spread
1-Year S&P 500 PTP Cap
Point to Point
Annual
8.5% Cap
1-Year BlackRock Dynamic Allocation PTP Participation Plus
Point to Point
Annual
170% Participation
1-Year S&P 500 Performance Triggered
Performance Triggered
Annual
7.75% Performance triggered
1-Year Fixed Account
Fixed
4.5% Fixed
1-Year BlackRock Dynamic Allocation PTP Participation Rate
Point to Point
Annual
225% Participation
2-Year BlackRock Dynamic Allocation PTP Participation Rate
Point to Point
Biennial
285% Participation
1-Year Fidelity AIM Dividend PTP Participation Rate
Point to Point
Annual
190% Participation
1-Year S&P 500 DRC 5% TR PTP Spread
Point to Point
Annual
0.5% 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
62% Participation
1-Year BlackRock Dynamic Allocation PTP Participation Plus
Point to Point
Annual
195% Participation
1-Year S&P 500 Performance Triggered
Performance Triggered
Annual
8.75% Performance triggered
1-Year S&P 500 DRC 5% ER PTP Spread
Point to Point
Annual
0.25% Spread
1-Year S&P 500 DRC 10% ER PTP Spread
Point to Point
Annual
0.25% Spread
1-Year S&P 500 DRC 5% ER PTP Spread
Point to Point
Annual
1-Year S&P 500 DRC 10% ER PTP Spread
Point to Point
Annual
1-Year S&P 500 Dual Performance Triggered
Dual Performance Trigger
Annual
6.25% Performance triggered
1-Year S&P 500 DRC 10% ER Performance Triggered
Performance Triggered
Annual
9.5% Performance triggered
1-Year S&P 500 Dual Performance Triggered
Dual Performance Trigger
Annual
7.5% Performance triggered
1-Year S&P 500 DRC 10% ER Performance Triggered
Performance Triggered
Annual
10.5% Performance triggered

Surrender schedule

Year 1 2 3 4 5
Penalty 9% 8% 7% 6% 5%