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Lincoln OptiBlend 5 (CA Only)

Lincoln OptiBlend 5 is exceptionally tailored for your golden years. Its flexible design and array of options benefit retirement planning and income needs. Enjoy a guaranteed interest rate, secured against market downturns.

Exclusively available in California, it's a worthwhile addition to your retirement plan. The Lincoln OptiBlend 5 is a solid, insured investment, giving you peace-of-mind throughout your retirement.

Lincoln OptiBlend 5 (CA Only)

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About Product

Type

Fixed Index

Purpose

Accumulation

Term

5 Years

Surrender schedule

9.25%

8.25%

7.25%

6.25%

5.2%

Fee withdrawal:

10%

Flexible premium

Product Life

Market Value Adjustment

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: CA

Allocation Accounts

Name	Type	Rates
1-Year Fixed Account	Fixed	2.75% Fixed
1-Year BlackRock Dynamic Allocation PTP Participation Rate	Point to Point Annual	155% Participation
2-Year BlackRock Dynamic Allocation PTP Participation Rate	Point to Point Biennial	175% Participation
1-Year S&P 500 PTP Participation Rate	Point to Point Annual	40% Participation
1-Year S&P 500 PTP Cap	Point to Point Annual	7% Cap
1-Year S&P 500 Performance Triggered	Performance Triggered Annual	6.25% Performance triggered
1-Year Fixed Account	Fixed	3% Fixed
1-Year BlackRock Dynamic Allocation PTP Participation Rate	Point to Point Annual	165% Participation
2-Year BlackRock Dynamic Allocation PTP Participation Rate	Point to Point Biennial	200% Participation
1-Year S&P 500 PTP Cap	Point to Point Annual	7.75% Cap
1-Year S&P 500 PTP Participation Rate	Point to Point Annual	45% Participation
1-Year S&P 500 Performance Triggered	Performance Triggered Annual	7% 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 Daily Risk Control 10% ER Performance Trigger	Performance Triggered Annual	7.75% Performance triggered
1-Year S&P 500 Daily Risk Control 10% ER Performance Trigger	Performance Triggered Annual	8.75% Performance triggered
1-Year S&P 500 Dual Trigger	Dual Performance Trigger (FIA) Annual	5.5% Performance triggered
1-Year S&P 500 Dual Trigger	Dual Performance Trigger (FIA) Annual	6.5% 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 (CA Only) annuity.

Waivers

Death

Upon the death of a contract-owner or annuitant, beneficiaries may receive the greater of the contract value, GMCSV or GMNSV

Nursing Home

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

After the first policy anniversary, you may exercise the benefit of the Terminal Illness Rider, providing you access to your policy's accumulation value without an MVA or a surrender charge. Diagnosis of a terminal illness must be made after the policy issue date. Rider subject to state availability.

Premium Notes

Initial Premium
Minimum: $10,000;
Additional premiums
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. 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. 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)

Company Founded: 1905

Excellent Rated Company

Lincoln National Life Insurance Company

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