Text Size: Aa | Aa | Aa




Fixed Account

With a Lincoln OptiPoint® Fixed Indexed Annuity, you can choose to allocate between 0% and 100% of your money in the Fixed Account. It offers a fixed interest rate that is guaranteed for the first contract year. With the Fixed Account, you will always know in advance the rate that you are earning.

If you would like to know the current Fixed Account rate for Lincoln OptiPoint® annuities, contact your financial representative. The current Fixed Account rate may change every contract year, but it is guaranteed to never be less than the Guaranteed Minimum Fixed Interest Rate.

The following are some quick facts about the Fixed Account:

  • The initial interest rate is guaranteed for one year.
  • Subsequent interest rates are declared annually.
  • The subsequent interest rate will never be lower than the Guaranteed Minimum Interest Rate in effect for that year.
  • Fixed Account interest is compounded daily.

Important Disclosures. Please Read.

Contract guarantees are backed by the financial strength and claims-paying ability of The Lincoln National Life Insurance Company. All features may not be available in all states.

Taxes are due upon withdrawal, and if withdrawn before age 59 1/2, may be subject to a 10% premature distribution penalty. There is no additional tax deferral benefit for contracts purchased in an IRA or other tax-qualified plan, since these are already afforded tax-deferred status. Therefore, an annuity should only be purchased in an IRA or qualified plan if the client values some of the other features of the annuity.

Lincoln OptiPoint(R) flexible premium deferred annuity (contract form 05-607, or state variation) is a fixed indexed annuity issued by The Lincoln National Life Insurance Company, Fort Wayne, IN, and distributed by Lincoln Financial Distributors, Inc., a broker/dealer, and may not be available in all states (may be referred to as "equity indexed annuity" in certain states). The Lincoln National Life Insurance Company does not solicit business in the state of New York, nor is it authorized to do so. Contractual obligations are backed by the claims-paying ability of The Lincoln National Life Insurance Company. The contract may be subject to a Market Value Adjustment. The contract may be referred to as a "certificate" in certain states. The certificate is a group annuity certificate issued under a group annuity contract issued by The Lincoln National Life Insurance Company to a group annuity trust. Waiver of surrender charges for Nursing Home Confinement Rider and Waiver of Surrender Charges for Terminal Illness Rider (form AE-119 and form AE-170, respectively, or state variation) may not be available in all states.

The exact terms of the annuity are contained in the contracts and any attached riders, which will control The Lincoln National Life Insurance Company's contractual obligations. For complete information about the annuity, please also read the Disclosure Statement and Facts-At-A-Glance, or contact your Lincoln National Life Insurance Company representative.

This material was prepared to support the promotion and marketing of an insurance product. Neither the insurance company, its distributors, nor their respective employees and representatives provide tax, accounting, or legal advice. Any tax statements contained herein were not intended or written to be used, and cannot be used, for the purpose of avoiding U.S. federal, state, or local tax penalties. Clients should consult their own independent advisor as to any tax, accounting, or legal statements made herein.

Not available in New York.

Not a deposit.

May go down in value.

Not FDIC-insured - Not insured by any federal agency.

Not guaranteed by any bank or savings association.


Hello future.
Lincoln Financial Group is the marketing name for Lincoln National Corporation and insurance
company affiliates, including The Lincoln National Life Insurance Company, Fort Wayne, IN,
and in New York, Lincoln Life & Annuity Company of New York, Syracuse, NY. Variable products
distributed by broker/dealer-affiliate Lincoln Financial Distributors, Inc., Radnor, PA. Securities
and investment advisory services offered through other affiliates. Explore Lincoln.