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Best Guaranteed Annuity Rates
2-Year
5.50%
3-Year
6.25%
5-Year
6.30%
7-Year
5.80%
10-Year
5.80%

Lincoln OptiBlend 7

In the complex world of retirement planning, annuities stand out as a popular choice for those seeking steady income streams in their golden years. Amidst a crowded market, a few annuity companies have distinguished themselves through their robust financial strength, customer service excellence, and diverse product offerings.

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Learn how an annuity can provide guaranteed income for life.

The Lincoln OptiBlend 7 is a flexible premium fixed indexed annuity with a 7-year surrender charge period and MVA provision. The Lincoln OptiBlend 7 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 7 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
4.1% 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
260% Participation
1-Year Fidelity AIM Dividend PTP Participation Rate
Point to Point
Annual
165% 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 BlackRock Dynamic Allocation PTP Participation Plus
Point to Point
Annual
170% Participation
1-Year S&P 500 PTP Participation Rate
Point to Point
Annual
60% Participation
1-Year S&P 500 Performance Triggered
Performance Triggered
Annual
8% Performance triggered
1-Year Fixed Account
Fixed
4.6% Fixed
1-Year BlackRock Dynamic Allocation PTP Participation Rate
Point to Point
Annual
225% Participation
2-Year BlackRock Dynamic Allocation PTP Participation Rate
Point to Point
Biennial
285% Participation
1-Year Fidelity AIM Dividend PTP Participation Rate
Point to Point
Annual
190% 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
9.75% Cap
1-Year BlackRock Dynamic Allocation PTP Participation Plus
Point to Point
Annual
195% Participation
1-Year S&P 500 PTP Participation Rate
Point to Point
Annual
65% Participation
1-Year S&P 500 Performance Triggered
Performance Triggered
Annual
9% Performance triggered
1-Year S&P 500 DRC 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 DRC 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 Performance Triggered
Dual Performance Trigger (FIA)
Annual
6.5% Performance triggered
1-Year S&P 500 DRC 10% ER Performance Triggered
Performance Triggered
Annual
9.75% Performance triggered
1-Year S&P 500 Dual Performance Triggered
Dual Performance Trigger (FIA)
Annual
7.75% Performance triggered
1-Year S&P 500 DRC 10% ER Performance Triggered
Performance Triggered
Annual
10.75% Performance triggered

Surrender schedule

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