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Lincoln OptiBlend Income 7 with ProtectedPay Select and Estate Lock

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 Income 7 with ProtectedPay Select and Estate Lock

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About Product

Type

Fixed Index

Purpose

Lifetime Income & Legacy

Term

7 Years

Surrender schedule

Fee withdrawal:

10%

Market Value Adjustment

Yes

Return Of Premium

Minimum Contribution

$75,000

Maximum Contribution

$2,000,000

Max Age Qualified

Types Of Funds

Non-Qualified, Traditional IRA, and IRA-Roth

Launch Date

03/16/2026

Lincoln OptiBlend Income is a Single Premium Fixed Indexed Annuity with Guaranteed Living Benefit Rider. Lincoln OptiBlend Income offers two income options:

GLB only: Lincoln ProtectedPay Select (available single or joint life);
GLB + Enhanced Death Benefit option: Lincoln ProtectedPay Selectand Estate Lock Death Benefit (available single life only).

Lock accounts
For Lincoln OptiBlend Income 7, the trigger lock and cap lock accounts offer a guaranteed rate for seven years. Funds can only be allocated at contract issue, and reallocated at the end of the guaranteed rate period.

ProtectedPay Select and Estate Lock riders are inbuilt into this product. An annuity without riders is available separately.

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	3.1% Fixed
1-Year S&P 500 PTP Cap	Point to Point Annual	5.1% Cap
1-Year S&P 500 PTP Cap Lock	Point to Point Annual	4.35% Cap
1-Year S&P 500 PTP Participation Rate	Point to Point Annual	33% Participation
1-Year Capital Group Dividend Value ETF PTP Participation Rate	Point to Point Annual	33% Participation
1-Year Nasdaq Priva PTP Participation Rate	Point to Point Annual	70% Participation
1-Year S&P 500 Performance Triggered	Performance Triggered Annual	4.7% Performance triggered
1-Year S&P 500 10% Daily Risk Control Trigger	Performance Triggered Annual	5.95% Performance triggered
1-Year S&P 500 10% Daily Risk Control Trigger Lock	Performance Triggered Annual	5.2% Performance triggered

Surrender schedule

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

Riders

Name	Inbuilt	Fee
Lincoln ProtectedPay Select	Yes	1.10% annually (2.25% max)
Estate Lock	Yes	0.45% annually (1.60% max)
Lincoln ProtectedPay Select (Single) with Estate Lock	Yes	1.10% annually (2.25% max)

Waivers

Nursing Home

You can access your account value without surrender charge or MVA if certain conditions are met. Nursing home benefit is provided through contract endorsement.

Terminal Illness

You can access your account value without surrender charge or MVA if certain conditions are met. Terminal illness benefit is provided through contract endorsement.

RMD

RMD withdrawals are not subject to surrender charges, but count toward the 10% free withdrawal amount.

Premium Notes

Issue ages

Minimum issue age 50*
Maximum issue age 85**
Maximum issue age 75 for Lincoln ProtectedPay Select and Estate Lock (single life only)
Minimum age to start lifetime income is 59*

*Based on youngest life for joint contracts.
**Based on oldest life for joint contracts.

Withdrawal Provisions

Free withdrawal amount You have access to an annual free withdrawal amount equal to 10% of the current account value. Protected Annual Income and RMD withdrawals are not subject to surrender charges, but count toward the 10% free withdrawal amount. See Disclosure Statement for complete details. Market Value Adjustment (MVA) A positive or negative adjustment based on the current interest rate environment at the time of surrender. The MVA does not apply to withdrawals after the surrender charge period, 10% annual free withdrawal or annuitized contracts.

Company Founded: 1905

Excellent Rated Company

Lincoln Financial

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