Annuity Educator
Best Guaranteed Annuity Rates
2-Year
5.25%
3-Year
6.25%
5-Year
6.30%
7-Year
5.80%
10-Year
5.80%

Lincoln Flex Advantage 7

In the complex world of retirement planning, annuities stand out as a popular choice for those seeking steady income streams in their golden years. Amidst a crowded market, a few annuity companies have distinguished themselves through their robust financial strength, customer service excellence, and diverse product offerings.

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Learn how an annuity can provide guaranteed income for life.

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: AL, AK, AZ, AR, CO, CT, DE, DC, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NC, ND, OH, OK, OR, PA, PR, RI, SC, SD, TN, TX, UT, VT, VA, WA, WV, WI, and WY

Allocation Accounts

Name Type Rates
1-Year Fixed Account
Fixed
4.3% Fixed
1-Year Fidelity AIM Dividend PTP Participation Rate
Point to Point
Annual
160% Participation
1-Year S&P 500 DRC 5% PTP Spread
Point to Point
Annual
1% Spread
1-Year S&P 500 PTP Participation Rate
Point to Point
Annual
55% Participation
1-Year S&P 500 PTP Cap
Point to Point
Annual
8.5% Cap
1-Year BlackRock Dynamic Allocation PTP Participation Plus
Point to Point
Annual
175% Participation
1-Year BlackRock Dynamic Allocation PTP Participation Rate
Point to Point
Annual
175% Participation
1-Year S&P 500 Performance Triggered
Performance Triggered
Annual
8.15% Performance triggered
1-Year Fixed Account
Fixed
4.8% Fixed
1-Year Fidelity AIM Dividend PTP Participation Rate
Point to Point
Annual
185% Participation
1-Year S&P 500 DRC 5% PTP Spread
Point to Point
Annual
0.75% Spread
1-Year S&P 500 PTP Participation Rate
Point to Point
Annual
65% Participation
1-Year S&P 500 PTP Cap
Point to Point
Annual
9.5% Cap
1-Year BlackRock Dynamic Allocation PTP Participation Plus
Point to Point
Annual
200% Participation
1-Year BlackRock Dynamic Allocation PTP Participation Rate
Point to Point
Annual
200% Participation
1-Year S&P 500 Performance Triggered
Performance Triggered
Annual
9.15% Performance triggered

Surrender schedule

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