MYGA rates in the cards, table, and verdict use the published $100,000 premium scenario. The tool below changes rates only where both products publish premium-band boundaries.

Auto-verdict

Lincoln Select leads on same-term MYGA rate; Eleos SP leads on carrier strength, surrender period; liquidity and annual fee are tied. This compares available accumulation metrics and is not a personalized recommendation.

On same-term MYGA rate, Lincoln Select has the higher figure (6% 5-year annualized rate vs 5.7% 5-year annualized rate); Eleos SP is lower.
On carrier strength, Eleos SP has the higher figure (A++ AM Best vs A AM Best); Lincoln Select is lower.
On surrender period, Eleos SP has the lower figure (5 years surrender period vs 7 years surrender period); Lincoln Select is higher.
On liquidity, both show 10%/yr free withdrawal.
On annual fee, both show No annual fee listed.

Auto-generated from the displayed data, accumulation metrics only, not a recommendation.

side by side

Compare on the numbers

Only metrics that apply to this product type are shown. Missing applicable values show unavailable.

Metric	Lincoln Select	Eleos SP
MYGA rate and termAnnualized rates are ranked only at the same guarantee term. A step schedule without a full-term yield shows its published first-year and renewal facts.	6% 5-year annualized rateLeading CANNEX via AdvisorWorld · rates as of October 16, 2026	5.7% 5-year annualized rate CANNEX via AdvisorWorld · rates as of October 16, 2026
AM Best ratingCarrier financial strength from the product/rating feed when available.	A AM Best CANNEX via AdvisorWorld · rates as of October 16, 2026	A++ AM BestLeading CANNEX via AdvisorWorld · rates as of October 16, 2026
Free withdrawalAvailable annual free-withdrawal percentage for the product.	10%/yr free withdrawalTie CANNEX via AdvisorWorld · rates as of October 16, 2026	10%/yr free withdrawalTie CANNEX via AdvisorWorld · rates as of October 16, 2026
Surrender periodShorter surrender period is highlighted as more flexible.	7 years surrender period CANNEX via AdvisorWorld · rates as of October 16, 2026	5 years surrender periodLeading CANNEX via AdvisorWorld · rates as of October 16, 2026
Annual feeHighest listed annual rider or strategy fee; lower is highlighted.	No annual fee listedTie CANNEX via AdvisorWorld · rates as of October 16, 2026	No annual fee listedTie CANNEX via AdvisorWorld · rates as of October 16, 2026
Income riderAvailability only; rider fit depends on payout, cost, and goals.	No income rider listedTie CANNEX via AdvisorWorld · rates as of October 16, 2026	No income rider listedTie CANNEX via AdvisorWorld · rates as of October 16, 2026
Minimum premiumLower minimum premium is highlighted as easier to access.	$10,000 minimum premiumTie CANNEX via AdvisorWorld · rates as of October 16, 2026	$10,000 minimum premiumTie CANNEX via AdvisorWorld · rates as of October 16, 2026

Scenario tool

Which one shows more guaranteed growth?

Guaranteed-growth comparison

Applies each product's source-normalized annualized rate over the same guarantee term.

Illustrative, not a projection

Premium

Lincoln Select

6% annualized · 5-year term

Eleos SP

5.7% annualized · 5-year term

On $100,000, the illustrated value at the displayed guaranteed term is:

Lincoln Select$133,823

Eleos SP$131,940

Lincoln Select has the higher illustrated guaranteed value ($133,823 vs $131,940).

Illustrated interest: Lincoln Select $33,823; Eleos SP $31,940.

Assumptions: the published whole-term annualized rate is applied for the shared term. A step schedule may credit differently each year. State, premium band, issue age, withdrawal activity, renewal rules, and contract terms can change what is available.

Illustrative tool inputs use product figures from CANNEX via AdvisorWorld · rates as of October 16, 2026.

Common questions

Decision FAQs from the same numbers

Is Lincoln Select or Eleos SP better for growth?

On same-term MYGA rate, Lincoln Select has the higher figure (6% 5-year annualized rate vs 5.7% 5-year annualized rate); Eleos SP is lower.

Is Lincoln Select or Eleos SP better for income?

On income rider availability, both show No income rider listed. Rider availability is only one income input; payout rates, rider fees, start age, and state availability still need review.

Is Lincoln Select or Eleos SP better for liquidity?

On liquidity, both show 10%/yr free withdrawal. On surrender period, Eleos SP has the lower figure (5 years surrender period vs 7 years surrender period); Lincoln Select is higher. On annual fee, both show No annual fee listed.

How to read this comparison

Compare the product job, not just one number.

Rates matter, but surrender terms, liquidity, rider mechanics, state availability, and carrier strength decide whether a product actually fits.

Rate context

Guaranteed rate and term are the first screen, but premium bands and surrender design still matter.

Control

Free-withdrawal and surrender terms are visible because liquidity can be worth as much as a small rate difference.

Carrier backing

Guarantees are backed by the issuing insurer, so carrier ratings and product availability belong next to the rate table.

Disclosures and sources

Displayed product figures are sourced from CANNEX via AdvisorWorld and are labeled with their true source date. Product-specific values are shown only when they apply; missing applicable values show unavailable.

The verdict is auto-generated from the available accumulation metrics only and is not a recommendation. The crediting and guaranteed-growth tools are illustrative, use the stated assumptions, and are not projections, quotes, or carrier-approved illustrations.

MYGA rates vary by state, premium band, guarantee term, and issue age. Annuity guarantees are backed by the issuing carrier's claims-paying ability and are not FDIC-insured. Educational only.

Use the comparison as a starting point.

Then go back to the main rate pages to see the broader market, or run the whole-income comparison when income guarantees are the question.

All MYGA rates Income comparison

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