Lincoln Flex Advantage 5 (CA Only)
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Highlights
One of the unique advantages of Lincoln FlexAdvantage is the flexibility it offers to adapt to your needs and goals. You can allocate your money between six different account options, with the ability to reallocate every year on your contract anniversary. And whether your retirement is years away or just around the corner, you’ll be able to add money anytime you want. By adding more money, you’ll have the opportunity to accelerate your account growth throughout your journey.
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
|
4%
Fixed
|
| 1-Year S&P 500 PTP Cap |
Point to Point
Annual
|
8.5%
Cap
|
| 1-Year S&P 500 PTP Participation Rate |
Point to Point
Annual
|
45%
Participation
|
| 1-Year S&P 500 DRC 5% PTP Spread |
Point to Point
Annual
|
1%
Spread
|
| 1-Year Fidelity AIM Dividend PTP Participation Rate |
Point to Point
Annual
|
150%
Participation
|
| 1-Year BlackRock Dynamic Allocation PTP Participation Rate |
Point to Point
Annual
|
165%
Participation
|
| 1-Year BlackRock Dynamic Allocation PTP Participation Plus |
Point to Point
Annual
|
165%
Participation
|
| 1-Year S&P 500 Performance Triggered |
Performance Triggered
Annual
|
8%
Performance triggered
|
| 1-Year Fixed Account |
Fixed
|
4.6%
Fixed
|
| 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
|
50%
Participation
|
| 1-Year S&P 500 DRC 5% PTP Spread |
Point to Point
Annual
|
0.75%
Spread
|
| 1-Year Fidelity AIM Dividend PTP Participation Rate |
Point to Point
Annual
|
175%
Participation
|
| 1-Year BlackRock Dynamic Allocation PTP Participation Rate |
Point to Point
Annual
|
190%
Participation
|
| 1-Year BlackRock Dynamic Allocation PTP Participation Plus |
Point to Point
Annual
|
190%
Participation
|
| 1-Year S&P 500 Performance Triggered |
Performance Triggered
Annual
|
8.5%
Performance triggered
|
Surrender schedule
| Year | 1 | 2 | 3 | 4 | 5 |
|---|---|---|---|---|---|
| Penalty | 9% | 8% | 7% | 6% | 5% |