Lincoln National Life Insurance Company
4.5
based on complex data
Annuity Educator Rating
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Lincoln OptiBlend Advisory 5 (CA Only)

The Lincoln National Life Insurance Company, created in 1905, finds itself within the life insurance and retirement planning market. Above all, they seek to provide a variety of retirement solutions, including annuities and life insurance in particular. By selling a vast array of investment products, such as various forms of life insurance (term, universal, and variable) and annuities (fixed, indexed, and variable), the company strives to make retirees as financially secure as possible. Their services can go from short-term protection to long-term wealth accumulation, an example of their customizability. Over the years, they have acquired various insurance companies, like American State and Safeco, to inflate its geographic reach.
Lincoln OptiBlend Advisory 5 (CA Only)-brochure Lincoln OptiBlend Advisory 5 (CA Only)-brochure

Lincoln OptiBlend Advisory 5 (CA Only)

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About Product

Type
Fixed Index
Purpose
Accumulation
Term
5 Years
Surrender schedule
8%
7%
6%
5%
4%
Fee withdrawal:
10%
Flexible premium
Product Life
Market Value Adjustment
No
Return Of Premium
No
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
Launch Date
08/19/2024
Lincoln OptiBlend Advisory 5 is a fixed indexed annuity issued by The Lincoln National Life Insurance Company. Lincoln OptiBlend Advisory 5 provides certainty to your retirement savings with: 
  • Upside growth potential
    In addition to a guaranteed fixed interest rate, your account has the potential to be credited with positive index performance. 
  • 100% downside protection
    Your account will never be credited less than 0% — even in a down market. So, your hard-earned savings are protected. 
  • No cost 
    There are no explicit product charges,1 to help you save more of what you earn. 
Please contact Lincoln to confirm firm availability. 
Available in states: CA

Allocation Accounts

Name Type Rates
1-Year S&P 500 Dual Trigger
Dual Performance Trigger (FIA)
Annual
6.25% Performance triggered
1-Year Fixed Account
Fixed
3.4% Fixed
1-Year S&P 500 PTP Cap
Point to Point
Annual
7.75% Cap
1-Year S&P 500 Daily Risk Control 5% ER PTP Spread
Point to Point
Annual
0.25% Spread
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 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
7.5% Performance triggered
1-Year Fixed Account
Fixed
3.9% Fixed
1-Year S&P 500 PTP Cap
Point to Point
Annual
8.25% Cap
1-Year S&P 500 Daily Risk Control 5% ER PTP Spread
Point to Point
Annual
1-Year S&P 500 PTP Participation Rate
Point to Point
Annual
50% Participation
1-Year S&P 500 Performance Triggered
Performance Triggered
Annual
8% 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 8% 7% 6% 5% 4%

Hypothetical Projection

Comparison against S&P 500 using current rates
indexed chart
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Riders

No Riders for Lincoln OptiBlend Advisory 5 (CA Only) annuity.

Waivers

Nursing Home

Unavailable in states: MA

If you have a qualifying medical need, Lincoln OptiBlend Advisory 5 has a nursing home provision that allows you to access your money without charge, after the first contract year.

Terminal Illness

If you have a qualifying medical need, Lincoln OptiBlend Advisory 5 has a terminal illness provision that allows you to access your money without charge, after the first contract year.

Premium Notes

Issue ages
0 – 85

Minimum initial premium
$10,000
Maximum premium (without prior Home Office approval)
$2,000,000
Additional premiums
You can add up to $25,000 each contract year (minimum $50, maximum of $100,000 cumulative additional premiums). Additional premiums are applied to the Fixed Account and can be moved during the reallocation period. 

Withdrawal Provisions

Free withdrawal amount Beginning in the first contract year, during the surrender charge period, you can withdraw up to 10% of your account value each contract year without incurring charges. Market Value Adjustment (MVA) A positive or negative adjustment based on the current interest rate environment at the time of the surrender. The MVA does not apply to the death benefit or 10% annual free withdrawal during the surrender charge period, or withdrawals after the surrender charge period. 

Company Founded: 1905
Excellent Rated Company
Lincoln National Life Insurance Company
Company Ratings
4
  • A.M. Best A
  • Fitch A+
  • S&P A+
  • Moody's A2
  • Comdex 80
Assets: $101,842,579,438
Indiana

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