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Lincoln OptiBlend 5 (CA Only)

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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.
Available in states: CA
Type
 Fixed Index
Purpose Accumulation
Term
 5 Years
Surrender schedule
 9.25%8.25%7.25%6.25%5.2%
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 (CA Only) is the right product for you.

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)

Allocation Accounts

Name Type Rates
1-Year Fixed Account
Fixed
3.75% Fixed
1-Year BlackRock Dynamic Allocation PTP Participation Rate
Point to Point
Annual
185% Participation
2-Year BlackRock Dynamic Allocation PTP Participation Rate
Point to Point
Biennial
235% Participation
1-Year BlackRock Dynamic Allocation PTP Participation Plus
Point to Point
Annual
165% Participation
1-Year S&P 500 PTP Participation Rate
Point to Point
Annual
45% Participation
1-Year Fidelity AIM Dividend PTP Participation Rate
Point to Point
Annual
155% Participation
1-Year S&P 500 DRC 5% TR PTP Spread
Point to Point
Annual
1% Spread
1-Year S&P 500 PTP Cap
Point to Point
Annual
8.25% Cap
1-Year S&P 500 Performance Triggered
Performance Triggered
Annual
7.35% Performance triggered
1-Year Fixed Account
Fixed
4.15% Fixed
1-Year BlackRock Dynamic Allocation PTP Participation Rate
Point to Point
Annual
210% Participation
2-Year BlackRock Dynamic Allocation PTP Participation Rate
Point to Point
Biennial
260% Participation
1-Year BlackRock Dynamic Allocation PTP Participation Plus
Point to Point
Annual
180% Participation
1-Year Fidelity AIM Dividend PTP Participation Rate
Point to Point
Annual
180% 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
8.75% 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
7.85% 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 Daily Risk Control 10% ER Performance Trigger
Performance Triggered
Annual
9% Performance triggered
1-Year S&P 500 Daily Risk Control 10% ER Performance Trigger
Performance Triggered
Annual
10% Performance triggered
1-Year S&P 500 Dual Trigger
Dual Performance Trigger (FIA)
Annual
5.75% Performance triggered
1-Year S&P 500 Dual Trigger
Dual Performance Trigger (FIA)
Annual
6.75% Performance triggered

Surrender schedule

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

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.

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