Lincoln OptiBlend 5 (CA Only)
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Highlights
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
|
Type
|
Fixed Index
|
|---|---|
|
Term
|
5 Years |
|
Surrender schedule
|
9.25%8.25%7.25%6.25%5.2% |
|
Free withdrawal
|
10% |
|
Market value adjustment
|
|
|
Return of premium
|
|
|
Minimum contribution
|
$10,000 |
|
Types of funds
|
Non-Qualified, IRA, IRA Rollover, IRA Transfer, IRA-Roth, 1035 Exchange, Stretch IRA, and NQ Stretch |
Brochure
|
Open brochure |
Allocation Accounts
| Name | Type | Rates |
|---|---|---|
| 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
|
235%
Participation
|
| 1-Year BlackRock Dynamic Allocation PTP Participation Plus |
Point to Point
Annual
|
165%
Participation
|
| 1-Year S&P 500 PTP Participation Rate |
Point to Point
Annual
|
42%
Participation
|
| 1-Year Fidelity AIM Dividend PTP Participation Rate |
Point to Point
Annual
|
155%
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
|
8.5%
Cap
|
| 1-Year S&P 500 Performance Triggered |
Performance Triggered
Annual
|
7.6%
Performance triggered
|
| 1-Year Fixed Account |
Fixed
|
4.25%
Fixed
|
| 1-Year BlackRock Dynamic Allocation PTP Participation Rate |
Point to Point
Annual
|
210%
Participation
|
| 2-Year BlackRock Dynamic Allocation PTP Participation Rate |
Point to Point
Biennial
|
260%
Participation
|
| 1-Year BlackRock Dynamic Allocation PTP Participation Plus |
Point to Point
Annual
|
180%
Participation
|
| 1-Year Fidelity AIM Dividend PTP Participation Rate |
Point to Point
Annual
|
180%
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%
Cap
|
| 1-Year S&P 500 PTP Participation Rate |
Point to Point
Annual
|
52%
Participation
|
| 1-Year S&P 500 Performance Triggered |
Performance Triggered
Annual
|
8.1%
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 DRC 10% ER Performance Triggered |
Performance Triggered
Annual
|
9%
Performance triggered
|
| 1-Year S&P 500 DRC 10% ER Performance Triggered |
Performance Triggered
Annual
|
10.25%
Performance triggered
|
Surrender schedule
| Year | 1 | 2 | 3 | 4 | 5 |
|---|---|---|---|---|---|
| Penalty | 9% | 8% | 7% | 6% | 5% |