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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)

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About Product

Type

Fixed Index

Purpose

Accumulation

Term

5 Years

Surrender schedule

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

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%

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

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