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Best Guaranteed Annuity Rates
2-Year
5.70%
3-Year
6.25%
5-Year
6.30%
7-Year
6.00%
10-Year
5.80%

Lincoln Set 5 II

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Highlights

As you approach retirement, it becomes even more important to protect the money you’ve worked hard to save while staying positioned for growth. Add more certainty to your retirement portfolio with Lincoln Set 5 fixed indexed annuity. It may help your retirement savings plan stay on track with these three advantages: 
  • Downside protection
    100% protection against market downturns to safeguard your hard-earned savings. 
  • Upside potential
    Growth opportunities tied to index performance and predictable growth with a fixed rate. 
  • No cost
    Pay no explicit product charges to help you save more of what you earn. 
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
Type
Fixed Index
Purpose Accumulation
Term
5 Years
Surrender schedule
9%8%7%6%5%
Free withdrawal
10%
Flexible premium Product Life
Market value adjustment
Return of premium
Launch date
05/23/2022
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
Brochure
Open brochure

Find out if the Lincoln Set 5 II is the right product for you.

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Premium Notes

Minimum initial premium
$10,000

Additional premiums
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. Additions are allowed any time until the maturity date.
Maximum of $100,000 cumulative additional premiums. 

Withdrawal Provisions

Partial surrenders
Beginning in the first contract year, up to 10% of account value may be withdrawn each contract year without incurring charges.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: withdrawals after the surrender charge period, 10% annual free withdrawal, the death benefit or annuitized contracts. 

Allocation Accounts

Name Type Rates
1-Year Fixed Account
Fixed
3.85% Fixed
1-Year S&P 500 PTP Cap
Point to Point
Annual
8% Cap
1-Year S&P 500 7.5% DRC PTP Cap
Point to Point
Annual
12% Cap
1-Year S&P 500 Performance Triggered
Performance Triggered
Annual
7% Performance triggered
1-Year Fixed Account
Fixed
4.5% Fixed
1-Year S&P 500 PTP Cap
Point to Point
Annual
9% Cap
1-Year S&P 500 7.5% DRC PTP Cap
Point to Point
Annual
15% Cap
1-Year S&P 500 Performance Triggered
Performance Triggered
Annual
8.75% Performance triggered
1-Year S&P 500 Dual Performance Triggered
Dual Performance Trigger (FIA)
Annual
6% Performance triggered
1-Year S&P 500 Dual Performance Triggered
Dual Performance Trigger (FIA)
Annual
7.4% Performance triggered

Surrender schedule

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

Riders

No Riders for Lincoln Set 5 II annuity.

Waivers

Nursing Home

Unavailable in states: MA

If you have a qualifying medical need, Lincoln Set 5 has a nursing home and terminal illness provision that allows you to access your money without charges, after the first contract year. The nursing home waiver does not include home health care.

Terminal Illness

Unavailable in states: MA

If you have a qualifying medical need, Lincoln Set 5 has a nursing home and terminal illness provision that allows you to access your money without charges, after the first contract year.

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