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Fixed annuities

Fixed annuities are retirement planning tools that offer predictable returns on the investment and the potential for guaranteed income for life.

With fixed annuities, clients receive 100% protection of their money and competitive rate guarantees, along with options to help realize retirement goals. There are three general categories of fixed annuities.

Traditional fixed annuities

Traditional fixed annuities offer tax-deferred earnings with an initial interest rate guaranteed for a set number of years. You have access to your account values and the ability to create a lifetime income stream through annuitization, as well as a death benefit for your beneficiary, as provided by the contract.

Fixed indexed annuities

Fixed indexed annuities are long-term retirement savings vehicles that offer tax-deferred growth. Earnings are based on interest-crediting strategies that offer a fixed interest rate or growth potential tied to the performance of an outside index. Investors choose how to allocate between 0% and 100% of money into these interest accounts.

Lincoln offers single premium and flexible premium fixed indexed annuities.

Clients have access to their account values, a death benefit for loved ones and the ability to create a lifetime income stream through annuitization or an optional lifetime withdrawal benefit, as provided by the contract.

Investors can plan for withdrawals with an optional rider. The Guaranteed Lifetime Withdrawal Benefit Rider, available at an additional cost, provides a set payment amount for life. The amount is based on a payment percentage, determined by their age at the first withdrawal. The longer clients wait to take income, the higher the payment percentage. Carefully consider the best time to start taking withdrawals.

Income annuities

An income annuity allows consumers to convert part of their retirement funds into a stream of guaranteed income payments for a defined period of time for life. And you have the flexibility to help meet current or future income objectives.

Our Fixed Annuity Products

Annuity Type

Product Name

Key Feature

Fixed Indexed

Lincoln New Directions® fixed indexed annuity​

Receive a guaranteed initial fixed interest rate for 6 or 8 years.

Fixed Indexed

Lincoln OptiBlendSM fixed indexed annuity

Credit interest based on the performance of a volatility index.

Fixed Indexed

Lincoln OptiChoiceSM fixed indexed annuity

Choose from three different crediting strategies and a fixed account for growth.

Fixed Indexed

Lincoln OptiPoint® fixed indexed annuity

Take advantage of the opportunity to receive a premium bonus.

Fixed Indexed

Lincoln Covered ChoiceSM fixed indexed annuity

Receive a guaranteed intial fixed interest rate for 5 or 7 years.


Lincoln Insured IncomeSM Immediate Annuity (SPIA)

Receive immediate income with several distribution methods for both single and joint life.


Lincoln Deferred Income SolutionsSM Annuity

Defer taking income for up to two to 40 years to increase your overall income amount.


Lincoln MYGuarantee SM Plus fixed annuity

Initial interest rates guaranteed from 5 to 10 years, depending on your needs.