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 i4LIFE® Indexed Advantage has been elected.
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 i4LIFE® 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
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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