Fixed index annuity review and rates
Lincoln OptiBlend 5 (CA Only)
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.
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:
CA
Allocation Accounts
| Name | Type | Rates |
|---|---|---|
| 1-Year Fixed Account |
Fixed
|
4.2%
Fixed
|
| 1-Year BlackRock Dynamic Allocation PTP Participation Rate |
Point to Point
Annual
|
165%
Participation
|
| 2-Year BlackRock Dynamic Allocation PTP Participation Rate |
Point to Point
Biennial
|
225%
Participation
|
| 1-Year BlackRock Dynamic Allocation PTP Participation Plus |
Point to Point
Annual
|
210%
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
|
150%
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
|
9%
Cap
|
| 1-Year S&P 500 Performance Triggered |
Performance Triggered
Annual
|
8%
Performance triggered
|
| 1-Year Fixed Account |
Fixed
|
4.45%
Fixed
|
| 1-Year BlackRock Dynamic Allocation PTP Participation Rate |
Point to Point
Annual
|
190%
Participation
|
| 2-Year BlackRock Dynamic Allocation PTP Participation Rate |
Point to Point
Biennial
|
250%
Participation
|
| 1-Year BlackRock Dynamic Allocation PTP Participation Plus |
Point to Point
Annual
|
235%
Participation
|
| 1-Year Fidelity AIM Dividend PTP Participation Rate |
Point to Point
Annual
|
175%
Participation
|
| 1-Year S&P 500 DRC 5% TR PTP Spread |
Point to Point
Annual
|
1.5%
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
|
40%
Participation
|
| 1-Year S&P 500 Performance Triggered |
Performance Triggered
Annual
|
8.5%
Performance triggered
|
| 1-Year S&P 500 DRC 10% ER PTP Spread |
Point to Point
Annual
|
0.75%
Spread
|
| 1-Year S&P 500 DRC 10% ER PTP Spread |
Point to Point
Annual
|
0.5%
Spread
|
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
Brochure
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