based on complex data

Annuity Educator Rating

Annuity review

Lincoln OptiBlend 5

The Lincoln OptiBlend 5 is a splendid choice for a secure future. Its standout feature is guaranteed income for life, perfectly suited for retirees seeking peace of mind. Let your golden years shine with Lincoln!

It comes with growth opportunities and flexibility options to cater to your changing needs. Lincoln OptiBlend 5 is your trusted partner for a worry-free retirement. You're in good hands.

Lincoln OptiBlend 5

Your Email

Compare this annuity with 800+ others from 100+ companies

Your State

Investment

Your Gender

Your Age

Retire At

No agent will call you

About Product

Type

Fixed Index

Purpose

Accumulation

Term

5 Years

Surrender schedule

Fee withdrawal:

10%

Flexible premium

Product Life

Market Value Adjustment

Yes

Return Of Premium

Minimum Contribution

$10,000

Maximum Contribution

$2,000,000

Max Age Qualified

Types Of Funds

Non-Qualified, IRA, IRA Rollover, IRA Transfer, IRA-Roth, 1035 Exchange, Stretch IRA, and NQ Stretch

Launch Date

06/01/2015

The Lincoln OptiBlend 5 is a flexible premium fixed indexed annuity with a 5-year surrender charge period and MVA provision. The Lincoln OptiBlend 5 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.

The Lincoln OptiBlend 5 is not an investment in the stock market. It is a fixed annuity that credits interest based on distinct Index Account Options Index (including the S&P 500 Daily Risk Control 5% Index) and the annual performance of the underlying indices with a fixed account option.

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	3.5% Fixed
1-Year BlackRock Dynamic Allocation PTP Participation Rate	Point to Point Annual	150% Participation
2-Year BlackRock Dynamic Allocation PTP Participation Rate	Point to Point Biennial	200% Participation
1-Year S&P 500 PTP Participation Rate	Point to Point Annual	45% Participation
1-Year S&P 500 PTP Cap	Point to Point Annual	7% Cap
1-Year S&P 500 Performance Triggered	Performance Triggered Annual	6.75% Performance triggered
1-Year Fixed Account	Fixed	4% Fixed
1-Year BlackRock Dynamic Allocation PTP Participation Rate	Point to Point Annual	175% Participation
2-Year BlackRock Dynamic Allocation PTP Participation Rate	Point to Point Biennial	225% Participation
1-Year S&P 500 PTP Cap	Point to Point Annual	8% Cap
1-Year S&P 500 PTP Participation Rate	Point to Point Annual	52% Participation
1-Year S&P 500 Performance Triggered	Performance Triggered Annual	7.5% 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 Daily Risk Control 5% 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	8.25% Performance triggered
1-Year S&P 500 Dual Trigger	Dual Performance Trigger (FIA) Annual	7% Performance triggered
1-Year S&P 500 Daily Risk Control 10% ER Performance Trigger	Performance Triggered Annual	9.25% Performance triggered
1-Year S&P 500 Daily Risk Control 10% ER Performance Trigger Lock	Performance Triggered Annual	6.25% Performance triggered
1-Year S&P 500 Daily Risk Control 10% ER Performance Trigger Lock	Performance Triggered Annual	7.75% Performance triggered

Surrender schedule

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

Hypothetical Projection

Comparison against S&P 500 using current rates

See if this annuity ranks in your top 3 for Ohio

Investment Amount

Riders

No Riders for Lincoln OptiBlend 5 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: MA

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.

Withdrawal Provisions

Death Benefit Upon Death of the Owner, or Joint Owner, if any, die before annuity payments begin, a death benefit may be payable to the beneficiary consisting of an amount equal to the greater of the accumulation value or the guaranteed minimum non-surrender value. The 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)Free Withdrawals Each policy year you may take free partial surrenders of up to 10% of the policy's accumulation value without an MVA or surrender charge, but any amount in excess of 10% is subject to an MVA and surrender charge. After the first policy anniversary, you may exercise the benefit of the Nursing Home Rider, providing you access to your policy's accumulation value without an MVA or a surrender charge. Your confinement to a nursing home or a special unit of a hospital must begin after the first policy anniversary, and it must be for at least 30 consecutive days. Rider subject to state availability.

Company Founded: 1905

Excellent Rated Company

Lincoln National Life Insurance Company

Company Ratings