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Best Guaranteed Annuity Rates
2-Year
5.55%
3-Year
6.25%
5-Year
6.50%
7-Year
5.85%
10-Year
5.80%

Lincoln OptiBlend 10

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Highlights

The Lincoln OptiBlend 10 is a flexible premium fixed indexed annuity with a 10-year surrender charge period and MVA provision. The Lincoln OptiBlend 10 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. 
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
Type
Fixed Index
Purpose Accumulation
Term
10 Years
Surrender schedule
9%9%8%7%6%5%4%3%2%1%
Free withdrawal
10%
Flexible premium Product Life
Market value adjustment
Return of premium
Launch date
06/01/2015
Minimum contribution
$10,000
Maximum contribution
$2,000,000
Max Age Qualified
80
Types of funds
Non-Qualified, IRA, IRA Rollover, IRA Transfer, IRA-Roth, 1035 Exchange, Stretch IRA, and NQ Stretch
Brochure
Open brochure

Find out if the Lincoln OptiBlend 10 is the right product for you.

Premium Notes

Initial Premium
Minimum: $10,000;
Additional Premium
Up to $25,000 each contract year (minimum $50). Additional premiums are applied to the Fixed Account and can be moved during the reallocation period. Maximum of $100,000 cumulative additional premiums. Additions are allowed any time until the maturity date.
Additional premiums are not allowed if i4LIFEĀ® Indexed Advantage has been elected.

Withdrawal Provisions

Market Value Adjustment (MVA)
If you access more than the 10% annual free withdrawal before the end of the surrender charge period, it may be subject to a surrender charge and an MVA. The MVA is a positive or negative adjustment based on the current interest rate environment at the time of the surrender. The MVA does not apply to: withdrawals after the surrender charge period, 10% annual free withdrawal, the death benefit, annuitized contracts, or contracts issued in selected states.

Death benefit (prior to annuitization)
Upon the death of a contractowner or annuitant, beneficiaries may receive the greater of the contract value, GMNSV or GMCSV.

Free Withdrawals 
Each policy year you may take free partial surrenders of up to 10% of the policies accumulation value without an Market Value Adjustment (MVA) or surrender charge, but any amount in excess of 10% is subject to an Market Value Adjustment (MVA) and surrender charge. 

Annuitization options are: 
  • Income for a Fixed Period (for at least 5 years) 
  • Life Income (Life Only, Life with Guaranteed Period, and Life with Installment Refund)
  • Interest Only (For at least 5 years) * Income of a Fixed Amount (For at least 5 Years)

Allocation Accounts

Name Type Rates
1-Year Fixed Account
Fixed
3.8% Fixed
1-Year Fidelity AIM Dividend PTP Participation Rate
Point to Point
Annual
200% 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
8.25% Cap
1-Year BlackRock Dynamic Allocation PTP Participation Rate
Point to Point
Annual
205% Participation
2-Year BlackRock Dynamic Allocation PTP Participation Rate
Point to Point
Biennial
265% Participation
1-Year BlackRock Dynamic Allocation PTP Participation Plus
Point to Point
Annual
175% Participation
1-Year S&P 500 PTP Participation Rate
Point to Point
Annual
57% Participation
1-Year S&P 500 Performance Triggered
Performance Triggered
Annual
7.65% Performance triggered
1-Year Fixed Account
Fixed
4.3% Fixed
1-Year Fidelity AIM Dividend PTP Participation Rate
Point to Point
Annual
225% Participation
1-Year S&P 500 DRC 5% TR PTP Spread
Point to Point
Annual
0.5% Spread
1-Year S&P 500 PTP Cap
Point to Point
Annual
9.25% Cap
1-Year BlackRock Dynamic Allocation PTP Participation Rate
Point to Point
Annual
230% Participation
2-Year BlackRock Dynamic Allocation PTP Participation Rate
Point to Point
Biennial
300% Participation
1-Year BlackRock Dynamic Allocation PTP Participation Plus
Point to Point
Annual
200% Participation
1-Year S&P 500 PTP Participation Rate
Point to Point
Annual
62% Participation
1-Year S&P 500 Performance Triggered
Performance Triggered
Annual
8.5% Performance triggered
1-Year S&P 500 Daily Risk Control 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 Daily Risk Control 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 Dual Trigger
Dual Performance Trigger (FIA)
Annual
6% Performance triggered
1-Year S&P 500 Daily Risk Control 10% ER Performance Trigger
Performance Triggered
Annual
9.6% Performance triggered
1-Year S&P 500 Dual Trigger
Dual Performance Trigger (FIA)
Annual
7.35% Performance triggered
1-Year S&P 500 Daily Risk Control 10% ER Performance Trigger
Performance Triggered
Annual
10.6% Performance triggered

Surrender schedule

Year 1 2 3 4 5 6 7 8 9 10
Penalty 9% 9% 8% 7% 6% 5% 4% 3% 2% 1%

Riders

No Riders for Lincoln OptiBlend 10 annuity.

Waivers

Nursing Home

Unavailable in states: MA

Allows access to contract value without surrender charge or MVA if certain conditions are met. Please see the Disclosure Statement for necessary criteria and conditions. Nursing home and terminal illness benefits are provided through riders. The nursing home waiver does not include home health care.

Terminal Illness

Unavailable in states: LA, and MA

Allows access to contract value without surrender charge or MVA if certain conditions are met. Please see the Disclosure Statement for necessary criteria and conditions. Nursing home and terminal illness benefits are provided through riders.

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