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Lincoln OptiBlend 7

Lincoln OptiBlend 7 is a spectacular annuity product tailor-made for those eyeing a secure future. Its strength lies in its balance, delivering steady growth along with safety, a perfect game plan for retirement.

This annuity provides a remarkable guarantee against market downturns, so your investment is always safe. With its annual step-up feature, your annuity value can only rise. A great choice for worry-free golden years!

Lincoln OptiBlend 7

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About Product

Type

Fixed Index

Purpose

Accumulation

Term

7 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 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, GU, 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 Cap	Point to Point Annual	7.5% 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	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	8.25% Cap
1-Year S&P 500 PTP Participation Rate	Point to Point Annual	50% 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% Performance triggered
1-Year S&P 500 Daily Risk Control 10% ER Performance Trigger Lock	Performance Triggered Annual	7.5% Performance triggered

Surrender schedule

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

Riders

No Riders for Lincoln OptiBlend 7 annuity.

Waivers

Death

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

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. 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. Annuitization After the 5th policy year the annuity can be annuitized and the MVA or surrender charge does not apply. 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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