Fixed index annuity review and rates

Lincoln Set 5 (CA Only)

As you approach retirement, it becomes even more important to protect the money you’ve worked hard to save while staying positioned for growth. Add more certainty to your retirement portfolio with Lincoln Set 5 fixed indexed annuity. It may help your retirement savings plan stay on track with these three advantages: 
  • Downside protection
    100% protection against market downturns to safeguard your hard-earned savings. 
  • Upside potential
    Growth opportunities tied to index performance and predictable growth with a fixed rate. 
  • No cost
    Pay no explicit product charges to help you save more of what you earn. 
Available in states: CA

Allocation Accounts

Name Type Rates
5-Year Fixed Account
Fixed
3.6% Fixed
1-Year S&P 500 PTP Cap
Point to Point
Annual
7.5% Cap
1-Year S&P 500 Performance Triggered
Performance Triggered
Annual
6.25% Performance triggered
5-Year Fixed Account
Fixed
3.85% Fixed
1-Year S&P 500 PTP Cap
Point to Point
Annual
8% Cap
1-Year S&P 500 Performance Triggered
Performance Triggered
Annual
6.75% 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 Rollover, IRA-Roth, Stretch IRA, and NQ Stretch