Lincoln OptiBlend ® fixed indexed annuity suite

The Lincoln OptiBlend® fixed indexed annuity offers flexible premium annuities that can provide several features to help meet accumulation and income needs.

Key features include:

  • A Fixed Account offers a set interest rate for one year. Subsequent interest rates are declared annually.
  • Four indexed accounts have the potential to earn interest tied to the performance of outside indices. The indexed accounts are the 1 Year S&P 500 Performance Triggered, 1 Year S&P 500 Cap, 1 Year S&P 500 Participation, and 1 Year S&P 500 5% Daily Risk Control Spread. 
  • Two optional living benefit riders, available at an additional cost, offering guaranteed income for life. Available on Lincoln OptiBlend® 7 and 10. Subject to state availability.
  • A five-year, seven-year or ten-year surrender charge schedule, subject to state availability.

Lincoln OptiBlend® Plus fixed indexed annuity

  • Offers the same features as Lincoln OptiBlend®, with the added benefit of a 6% premium bonus that is added to the account value at the time of purchase.
  • An optional Guaranteed Lifetime Withdrawal Benefit rider, available at an additional cost, offering guaranteed income for life. Subject to state availability.
  • Ten-year surrender charge schedule.

If you have questions or for more information, please contact an advisor.

Lincoln OptiBlend® fixed indexed annuities (contract forms ICC1515-619 or 15-619 and state variations) are issued by The Lincoln National Life Insurance Company, Fort Wayne, IN, and distributed by Lincoln Financial Distributors, Inc., a broker-dealer. 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 subject to the claims-paying ability of The Lincoln National Life Insurance Company.

Not for use in New York.

All features may not be available in all states.

Taxes are due upon withdrawal, and if withdrawn before age 591/2, may be subject to an additional 10% federal tax penalty. Withdrawals and surrenders may be subject to surrender charges and a Market Value Adjustment. 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.

The S&P 500 Index and the S&P 500 Daily Risk Control 5% Index are products of S&P Dow Jones Indices LLC, a division of S&P Global, or its affiliates (“SPDJI”), and have been licensed for use by The Lincoln National Life Insurance Company. Standard & Poor’s®, S&P®, and S&P 500 Daily Risk Control 5%™ are registered trademarks of Standard & Poor’s Financial Services LLC, a division of S&P Global (“S&P”); Dow Jones® is a registered trademark of Dow Jones Trademark Holdings LLC (“Dow Jones”); and these trademarks have been licensed for use by SPDJI and sublicensed for certain purposes by The Lincoln National Life Insurance Company. The Lincoln National Life Insurance Company’s product is not sponsored, endorsed, sold or promoted by SPDJI, Dow Jones, S&P, their respective affiliates, and none of such parties make any representation regarding the advisability of investing in such product nor do they have any liability for any errors, omissions, or interruptions of the S&P 500 Index or the S&P 500 Daily Risk Control 5% Index.

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

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. Lincoln Lifetime IncomeSM Edge is an optional Guaranteed Lifetime Withdrawal Benefit (GLWB) rider (form AE-245 or state variations) available for an additional charge and subject to rider issue age limits, which may differ from the contract issue age limits. May not be available in all states. Not available in New York. Limitations and exclusions may apply.

Guarantees are subject to the financial strength and claims-paying ability of the issuing insurance company. Products and features are subject to state availability.

Lincoln Financial Group® affiliates, their distributors, and their respective employees, representatives and/or insurance agents do not provide tax, accounting or legal advice. Clients should consult their own independent advisor as to any tax, accounting or legal statements made herein.

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.