Lincoln OptiBlend Advisory 5
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Highlights
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:
AL, AK, AZ, AR, CA, 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
|
Type
|
Fixed Index |
|---|---|
| Purpose | Accumulation |
|
Term
|
5 Years |
|
Surrender schedule
|
7%6%5%4%3% |
|
Free withdrawal
|
10% |
| Flexible premium | Product Life |
|
Market value adjustment
|
|
|
Return of premium
|
|
|
Launch date
|
08/19/2024 |
|
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 OptiBlend Advisory 5 is the right product for you.
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.
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.
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.
Allocation Accounts
| Name | Type | Rates |
|---|---|---|
| 1-Year S&P 500 Dual Trigger |
Dual Performance Trigger (FIA)
Annual
|
6.75%
Performance triggered
|
| 1-Year Fixed Account |
Fixed
|
4%
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
|
0.25%
Spread
|
| 1-Year S&P 500 PTP Participation Rate |
Point to Point
Annual
|
55%
Participation
|
| 1-Year S&P 500 Performance Triggered |
Performance Triggered
Annual
|
7.75%
Performance triggered
|
| 1-Year S&P 500 Daily Risk Control 10% ER Performance Trigger |
Performance Triggered
Annual
|
9.75%
Performance triggered
|
| 1-Year S&P 500 Dual Trigger |
Dual Performance Trigger (FIA)
Annual
|
8%
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 Daily Risk Control 5% ER PTP Spread |
Point to Point
Annual
|
|
| 1-Year S&P 500 PTP Participation Rate |
Point to Point
Annual
|
60%
Participation
|
| 1-Year S&P 500 Performance Triggered |
Performance Triggered
Annual
|
9%
Performance triggered
|
| 1-Year S&P 500 Daily Risk Control 10% ER Performance Trigger |
Performance Triggered
Annual
|
10.75%
Performance triggered
|
Surrender schedule
| Year | 1 | 2 | 3 | 4 | 5 |
|---|---|---|---|---|---|
| Penalty | 7% | 6% | 5% | 4% | 3% |
Riders
No Riders for Lincoln OptiBlend Advisory 5 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.
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