Lincoln OptiBlend 5
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Highlights
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.
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
|
Type
|
Fixed Index |
|---|---|
| Purpose | Accumulation |
|
Term
|
5 Years |
|
Surrender schedule
|
9%8%7%6%5% |
|
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
|
85 |
|
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 5 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.
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.
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
|
175%
Participation
|
| 2-Year BlackRock Dynamic Allocation PTP Participation Rate |
Point to Point
Biennial
|
230%
Participation
|
| 1-Year S&P 500 PTP Participation Rate |
Point to Point
Annual
|
50%
Participation
|
| 1-Year S&P 500 PTP Cap |
Point to Point
Annual
|
7.5%
Cap
|
| 1-Year S&P 500 Performance Triggered |
Performance Triggered
Annual
|
7%
Performance triggered
|
| 1-Year Fixed Account |
Fixed
|
3.6%
Fixed
|
| 1-Year BlackRock Dynamic Allocation PTP Participation Rate |
Point to Point
Annual
|
200%
Participation
|
| 2-Year BlackRock Dynamic Allocation PTP Participation Rate |
Point to Point
Biennial
|
255%
Participation
|
| 1-Year S&P 500 PTP Cap |
Point to Point
Annual
|
8.25%
Cap
|
| 1-Year S&P 500 PTP Participation Rate |
Point to Point
Annual
|
55%
Participation
|
| 1-Year S&P 500 Performance Triggered |
Performance Triggered
Annual
|
8.25%
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
|
9%
Performance triggered
|
| 1-Year S&P 500 Dual Trigger |
Dual Performance Trigger (FIA)
Annual
|
7.25%
Performance triggered
|
| 1-Year S&P 500 Daily Risk Control 10% ER Performance Trigger |
Performance Triggered
Annual
|
10%
Performance triggered
|
Surrender schedule
| Year | 1 | 2 | 3 | 4 | 5 |
|---|---|---|---|---|---|
| Penalty | 9% | 8% | 7% | 6% | 5% |
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
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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