Fixed index annuity review and rates

Lincoln OptiBlend 7 (CA Only)

The Lincoln OptiBlend 7 is a flexible premium fixed indexed annuity with a 7-year surrender charge period and MVA provision. The Lincoln OptiBlend 7 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 7 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
3.8% Fixed
1-Year BlackRock Dynamic Allocation PTP Participation Rate
Point to Point
Annual
170% 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
155% 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
8.05% 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
215% Participation
1-Year S&P 500 Performance Triggered
Performance Triggered
Annual
7.3% Performance triggered
1-Year Fixed Account
Fixed
4.05% Fixed
1-Year BlackRock Dynamic Allocation PTP Participation Rate
Point to Point
Annual
195% Participation
2-Year BlackRock Dynamic Allocation PTP Participation Rate
Point to Point
Biennial
250% 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
1% Spread
1-Year S&P 500 PTP Cap
Point to Point
Annual
8.55% 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
240% Participation
1-Year S&P 500 Performance Triggered
Performance Triggered
Annual
7.55% Performance triggered

Surrender schedule

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