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Fixed Indexed Annuity

Lincoln FlexAdvantage

Lincoln Financial

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9.35%

Best Cap

10%

Free W/D

52

Jurisdictions

Product data status: June 27, 2026

Rates, state availability, rider terms, and contract language must be confirmed with a licensed financial advisor or insurance professional before purchase. Guarantees are backed by the issuing insurer.

Model this product

See what Lincoln FlexAdvantage would do for you

Set your numbers and switch between growth, income, and liquidity. Index losses credit 0% — the floor — so a down market never reduces your value.

Product analyzer
Illustrative — live CANNEX rates as of June 27, 2026; not a projection or guarantee.
Crediting strategy
Compare against
$308,376
Est. value at age 80 (Lincoln FlexAdvantage)
0%
Floor — index losses never reduce value
Lincoln FlexAdvantage
✦
How crediting works: the cap limits positive index returns; a down year credits 0%, never a loss. A cap strategy tracks the index within its terms. What is a cap vs participation? →
Assumptions: illustrative — applies Lincoln FlexAdvantage's published cap rate (9.35% on S&P 500 Index) to a hypothetical index path (~5.4%/yr average, including down years) with a 0% floor over 20 years. Not a projection, quote, or guarantee. Live CANNEX rates as of June 27, 2026.

Free Comparison Report

Get a Lincoln FlexAdvantage rate report

See how Lincoln FlexAdvantage compares for your age, state, premium, and income goals alongside other Lincoln Financial fixed indexed annuity options.

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Live rate data

Run live numbers for Lincoln FlexAdvantage

Current rates, riders, crediting strategies, state availability, and contract facts stay scoped to this Lincoln Financial product.

Live product data

Rates as of June 27, 2026, based on the latest AdvisorWorld scan of CANNEX data.

S&P 500 annual cap rate

9.35% cap on S&P 500

A seven-year-surrender fixed indexed annuity from an A-rated Lincoln Financial carrier, built for index-linked accumulation across cap, participation, fixed-trigger, and uncapped strategies on a broad menu of recognizable, ETF, and volatility-controlled indexes, with no income rider and no premium bonus.

1-year termAdvisorWorld + CANNEX data

Best fit

Buyers committed to a seven-year FIA deferral who want index-linked accumulation across a broad index menu and do not need a guaranteed lifetime-income rider built into the contract.

AM Best

A Excellent

Surrender options

5 and 7 years

Free withdrawal

10%/yr

Availability

52 jurisdictions (excl. New York)

Featured crediting strategies

Index / strategyRate mechanics

S&P 500

S&P 500 Index

9.25% cap rate

1-year term · 5-year surrender · $100,000+

Rate varies by premium band.

S&P 500

S&P 500 Index

9.35% cap rate

1-year term · 7-year surrender · $100,000+

Rate varies by premium band.

S&P 500

S&P 500 Index

9.25% cap rate

1-year term · Surrender term not shown · $100,000+

Rate varies by premium band.

S&P 500

S&P 500 Index

9.35% cap rate

1-year term · Surrender term not shown · $100,000+

Rate varies by premium band.

S&P 500

S&P 500 Index

7.5% trigger rate

1-year term · 5-year surrender · $100,000+

Rate varies by premium band.

S&P 500

S&P 500 Index

7.25% trigger rate

1-year term · 5-year surrender · $100,000+

Rate varies by premium band.

S&P 500

S&P 500 Index

7.75% trigger rate

1-year term · 7-year surrender · $100,000+

Rate varies by premium band.

S&P 500

S&P 500 Index

7.25% trigger rate

1-year term · 7-year surrender · $100,000+

Rate varies by premium band.

S&P 500

S&P 500 Index

7.5% trigger rate

1-year term · Surrender term not shown · $100,000+

Rate varies by premium band.

S&P 500

S&P 500 Index

7.25% trigger rate

1-year term · Surrender term not shown · $100,000+

Rate varies by premium band.

S&P 500

S&P 500 Index

7.75% trigger rate

1-year term · Surrender term not shown · $100,000+

Rate varies by premium band.

S&P 500

S&P 500 Index

52% participation rate

1-year term · 5-year surrender · $100,000+

Rate varies by premium band.

S&P 500

S&P 500 Index

55% participation rate

1-year term · 7-year surrender · $100,000+

Rate varies by premium band.

S&P 500

S&P 500 Index

52% participation rate

1-year term · Surrender term not shown · $100,000+

Rate varies by premium band.

S&P 500

S&P 500 Index

55% participation rate

1-year term · Surrender term not shown · $100,000+

Rate varies by premium band.

S&P 500

S&P 500 Index

7.65% cap rate

5-year term · 5-year surrender · $100,000+

Rate varies by premium band.

S&P 500

S&P 500 Index

7.65% cap rate

5-year term · Surrender term not shown · $100,000+

Rate varies by premium band.

S&P 500

S&P 500 Index

80% participation rate

5-year term · 5-year surrender · $100,000+

Rate varies by premium band.

S&P 500

S&P 500 Index

70% participation rate

5-year term · Surrender term not shown · $100,000+

Rate varies by premium band.

S&P 500

S&P 500 Index

7% cap rate

7-year term · 7-year surrender · $100,000+

Rate varies by premium band.

S&P 500

S&P 500 Index

7% cap rate

7-year term · Surrender term not shown · $100,000+

Rate varies by premium band.

S&P 500

S&P 500 Index

80% participation rate

7-year term · 7-year surrender · $100,000+

Rate varies by premium band.

S&P 500

S&P 500 Index

80% participation rate

7-year term · Surrender term not shown · $100,000+

Rate varies by premium band.

Fixed Account

Fixed Account

4.5% declared rate

1-year term · 5-year surrender · $100,000+

Rate varies by premium band.

Fixed Account

Fixed Account

4.6% declared rate

1-year term · 7-year surrender · $100,000+

Rate varies by premium band.

Fixed Account

Fixed Account

4.5% declared rate

1-year term · Surrender term not shown · $100,000+

Rate varies by premium band.

Fixed Account

Fixed Account

4.6% declared rate

1-year term · Surrender term not shown · $100,000+

Rate varies by premium band.

+ 40 additional crediting options (S&P 500, Nasdaq Priva, Capital Group...)
View rate listings (92 rows)

These are the current crediting strategy listings returned for this product. Use the filters to narrow by index, term, premium band, or rate type.

Par: 115% · 1-yr

Nasdaq Priva Index

participation

5-yr surrender$100,000+

Par: 52% · 1-yr

S&P 500 Index

participation

5-yr surrender$100,000+

Par: 52% · 1-yr

Capital Group Dividend Value ETF

participation

5-yr surrender$100,000+

Cap: 9.25% · 1-yr

S&P 500 Index

cap

5-yr surrender$100,000+

Trigger: 9.25% · 1-yr

S&P 500 Daily Risk Control 10% USD Excess Return Index

trigger

5-yr surrender$100,000+

Trigger: 7.5% · 1-yr

S&P 500 Index

trigger

5-yr surrender$100,000+

Trigger: 7.25% · 1-yr

S&P 500 Index

Dual Trigger · trigger

5-yr surrender$100,000+

Fixed: 4.5% · 1-yr

Fixed Account

fixed

5-yr surrender$100,000+

Par: 150% · 5-yr

S&P 500 Daily Risk Control 10% USD Excess Return Index

participation

5-yr surrender$100,000+

Par: 100% + Declared: 8% · 5-yr

S&P 500 Daily Risk Control 10% USD Excess Return Index

5 Year Lock · trigger

5-yr surrender$100,000+

Par: 80% · 5-yr

S&P 500 Index

participation

5-yr surrender$100,000+

Cap: 7.65% · 5-yr

S&P 500 Index

5 Year Lock · cap

5-yr surrender$100,000+

Par: 95% · 1-yr

Nasdaq Priva Index

participation

5-yr surrenderUp to $99,999.99

Par: 49% · 1-yr

S&P 500 Index

participation

5-yr surrenderUp to $99,999.99

Par: 45% · 1-yr

Capital Group Dividend Value ETF

participation

5-yr surrenderUp to $99,999.99

Trigger: 8.75% · 1-yr

S&P 500 Daily Risk Control 10% USD Excess Return Index

trigger

5-yr surrenderUp to $99,999.99

Cap: 8.5% · 1-yr

S&P 500 Index

cap

5-yr surrenderUp to $99,999.99

Trigger: 7% · 1-yr

S&P 500 Index

trigger

5-yr surrenderUp to $99,999.99

Trigger: 6.75% · 1-yr

S&P 500 Index

Dual Trigger · trigger

5-yr surrenderUp to $99,999.99

Fixed: 4% · 1-yr

Fixed Account

fixed

5-yr surrenderUp to $99,999.99

Par: 140% · 5-yr

S&P 500 Daily Risk Control 10% USD Excess Return Index

participation

5-yr surrenderUp to $99,999.99

Par: 100% + Declared: 6.75% · 5-yr

S&P 500 Daily Risk Control 10% USD Excess Return Index

5 Year Lock · trigger

5-yr surrenderUp to $99,999.99

Par: 65% · 5-yr

S&P 500 Index

participation

5-yr surrenderUp to $99,999.99

Cap: 6.75% · 5-yr

S&P 500 Index

5 Year Lock · cap

5-yr surrenderUp to $99,999.99

Par: 113% · 1-yr

Nasdaq Priva Index

participation

7-yr surrender$100,000+

Par: 55% · 1-yr

S&P 500 Index

participation

7-yr surrender$100,000+

Par: 55% · 1-yr

Capital Group Dividend Value ETF

participation

7-yr surrender$100,000+

Trigger: 9.5% · 1-yr

S&P 500 Daily Risk Control 10% USD Excess Return Index

trigger

7-yr surrender$100,000+

Cap: 9.35% · 1-yr

S&P 500 Index

cap

7-yr surrender$100,000+

Trigger: 7.75% · 1-yr

S&P 500 Index

trigger

7-yr surrender$100,000+

Fixed: 4.6% · 1-yr

Fixed Account

fixed

7-yr surrender$100,000+

Par: 160% · 7-yr

S&P 500 Daily Risk Control 10% USD Excess Return Index

participation

7-yr surrender$100,000+

Par: 100% + Declared: 8% · 7-yr

S&P 500 Daily Risk Control 10% USD Excess Return Index

7 Year Lock · trigger

7-yr surrender$100,000+

Par: 80% · 7-yr

S&P 500 Index

participation

7-yr surrender$100,000+

Cap: 7% · 7-yr

S&P 500 Index

7 Year Lock · cap

7-yr surrender$100,000+

Par: 100% · 1-yr

Nasdaq Priva Index

participation

7-yr surrenderUp to $99,999.99

Par: 51% · 1-yr

S&P 500 Index

participation

7-yr surrenderUp to $99,999.99

Par: 50% · 1-yr

Capital Group Dividend Value ETF

participation

7-yr surrenderUp to $99,999.99

Trigger: 9% · 1-yr

S&P 500 Daily Risk Control 10% USD Excess Return Index

trigger

7-yr surrenderUp to $99,999.99

Cap: 8.55% · 1-yr

S&P 500 Index

cap

7-yr surrenderUp to $99,999.99

Trigger: 7.25% · 1-yr

S&P 500 Index

trigger

7-yr surrenderUp to $99,999.99

Par: 150% · 7-yr

S&P 500 Daily Risk Control 10% USD Excess Return Index

participation

7-yr surrenderUp to $99,999.99

Par: 100% + Declared: 7.4% · 7-yr

S&P 500 Daily Risk Control 10% USD Excess Return Index

7 Year Lock · trigger

7-yr surrenderUp to $99,999.99

Par: 70% · 7-yr

S&P 500 Index

participation

7-yr surrenderUp to $99,999.99

Cap: 6.25% · 7-yr

S&P 500 Index

7 Year Lock · cap

7-yr surrenderUp to $99,999.99

Par: 115% · 1-yr

Nasdaq Priva Index

PP

$100,000+

Par: 52% · 1-yr

S&P 500 Index

PP

$100,000+

Par: 52% · 1-yr

Capital Group Dividend Value ETF

PP

$100,000+

Cap: 9.25% · 1-yr

S&P 500 Index

PP

$100,000+

Trigger: 9.25% · 1-yr

S&P 500 Daily Risk Control 10% USD Excess Return Index

PT

$100,000+

Trigger: 7.5% · 1-yr

S&P 500 Index

PT

$100,000+

Trigger: 7.25% · 1-yr

S&P 500 Index

Dual Trigger · PT

$100,000+

Fixed: 4.5% · 1-yr

Fixed Account

FX

$100,000+

Par: 113% · 1-yr

Nasdaq Priva Index

PP

$100,000+

Par: 55% · 1-yr

S&P 500 Index

PP

$100,000+

Par: 55% · 1-yr

Capital Group Dividend Value ETF

PP

$100,000+

Trigger: 9.5% · 1-yr

S&P 500 Daily Risk Control 10% USD Excess Return Index

PT

$100,000+

Cap: 9.35% · 1-yr

S&P 500 Index

PP

$100,000+

Trigger: 7.75% · 1-yr

S&P 500 Index

PT

$100,000+

Fixed: 4.6% · 1-yr

Fixed Account

FX

$100,000+

Par: 150% · 5-yr

S&P 500 Daily Risk Control 10% USD Excess Return Index

PP

$100,000+

Par: 100% + Declared: 8% · 5-yr

S&P 500 Daily Risk Control 10% USD Excess Return Index

5 Year Lock · PT

$100,000+

Par: 70% · 5-yr

S&P 500 Index

PP

$100,000+

Cap: 7.65% · 5-yr

S&P 500 Index

5 Year Lock · PP

$100,000+

Par: 160% · 7-yr

S&P 500 Daily Risk Control 10% USD Excess Return Index

PP

$100,000+

Par: 100% + Declared: 8% · 7-yr

S&P 500 Daily Risk Control 10% USD Excess Return Index

7 Year Lock · PT

$100,000+

Par: 80% · 7-yr

S&P 500 Index

PP

$100,000+

Cap: 7% · 7-yr

S&P 500 Index

7 Year Lock · PP

$100,000+

Par: 95% · 1-yr

Nasdaq Priva Index

PP

Up to $99,999.99

Par: 45% · 1-yr

S&P 500 Index

PP

Up to $99,999.99

Par: 40% · 1-yr

Capital Group Dividend Value ETF

PP

Up to $99,999.99

Trigger: 8% · 1-yr

S&P 500 Daily Risk Control 10% USD Excess Return Index

PT

Up to $99,999.99

Cap: 7.25% · 1-yr

S&P 500 Index

PP

Up to $99,999.99

Trigger: 6.5% · 1-yr

S&P 500 Index

PT

Up to $99,999.99

Trigger: 5.25% · 1-yr

S&P 500 Index

Dual Trigger · PT

Up to $99,999.99

Fixed: 3.4% · 1-yr

Fixed Account

FX

Up to $99,999.99

Par: 100% · 1-yr

Nasdaq Priva Index

PP

Up to $99,999.99

Par: 51% · 1-yr

S&P 500 Index

PP

Up to $99,999.99

Par: 50% · 1-yr

Capital Group Dividend Value ETF

PP

Up to $99,999.99

Trigger: 9% · 1-yr

S&P 500 Daily Risk Control 10% USD Excess Return Index

PT

Up to $99,999.99

Cap: 8.55% · 1-yr

S&P 500 Index

PP

Up to $99,999.99

Trigger: 7.25% · 1-yr

S&P 500 Index

PT

Up to $99,999.99

Trigger: 6.75% · 1-yr

S&P 500 Index

Dual Trigger · PT

Up to $99,999.99

Fixed: 4% · 1-yr

Fixed Account

FX

Up to $99,999.99

Par: 130% · 5-yr

S&P 500 Daily Risk Control 10% USD Excess Return Index

PP

Up to $99,999.99

Par: 100% + Declared: 6.5% · 5-yr

S&P 500 Daily Risk Control 10% USD Excess Return Index

5 Year Lock · PT

Up to $99,999.99

Par: 60% · 5-yr

S&P 500 Index

PP

Up to $99,999.99

Cap: 6.25% · 5-yr

S&P 500 Index

5 Year Lock · PP

Up to $99,999.99

Par: 150% · 7-yr

S&P 500 Daily Risk Control 10% USD Excess Return Index

PP

Up to $99,999.99

Par: 100% + Declared: 7.4% · 7-yr

S&P 500 Daily Risk Control 10% USD Excess Return Index

7 Year Lock · PT

Up to $99,999.99

Par: 70% · 7-yr

S&P 500 Index

PP

Up to $99,999.99

Cap: 6.25% · 7-yr

S&P 500 Index

7 Year Lock · PP

Up to $99,999.99

Product analyst notes

How to think about this contract

Why it can stand out

  • Seven-year surrender ladder sits in the middle of Lincoln's FIA shelf — longer than Core Capital or the Set II family but shorter than OptiBlend's nine-year ladder — so the surrender commitment can be matched to the deferral horizon.
  • Carrier financial strength carries three independent ratings (A.M. Best, S&P, and Moody's), so the strength view does not come from a single agency.
  • Index menu is the broadest on Lincoln's FIA shelf, spanning the recognizable S&P 500 plus the S&P 500 Daily Risk Control variant, the Capital Group Dividend Value ETF, and the Nasdaq Priva index, so a buyer can pick between like-for-like cap comparison and several higher-participation alternatives.
  • Free-withdrawal allowance and the full seven-year surrender ladder are visible on this page, so the penalty-free liquidity schedule is not gated behind a sales brochure.

What to confirm

  • Lincoln FlexAdvantage is not a guaranteed-lifetime-income product. There is no GLWB rider attached, and there is no Protected Income Value chassis — the live feed shows an empty income-rider list. Lincoln also files this product as separate income-bearing siblings (FlexAdvantage Income and FlexAdvantage Income 7-Access); buyers wanting an optional GLWB should compare those instead.
  • There is no premium bonus on this contract — every dollar of upside has to come from the index strategies themselves.
  • Three of the four non-fixed indexes (Capital Group Dividend Value ETF, S&P 500 Daily Risk Control Excess Return, Nasdaq Priva) are proprietary or volatility-controlled benchmarks. Participation rates on those strategies can look high in absolute terms but are not directly comparable to an uncontrolled S&P 500 cap — evaluate each strategy on its own merits.
  • The guaranteed-minimum cap floor on this filing is very low, so caps and participation rates can reset down toward that floor across the seven-year surrender term, and the buyer carries that renewal risk. New York buyers should note that this filing is not available in NY.

Not ideal for

Buyers who need a contractually guaranteed GLWB withdrawal rate (look at FlexAdvantage Income or FlexAdvantage Income 7-Access instead), want a shorter surrender commitment, expect a premium bonus, or want a death-benefit roll-up beyond the standard contract value. Also not available to New York residents.

Free Comparison Report

Get a Lincoln FlexAdvantage rate report

See how Lincoln FlexAdvantage compares for your age, state, premium, and income goals alongside other Lincoln Financial fixed indexed annuity options.

Get my rate report

All crediting strategies

View rate listings (92 rows)

These are the current crediting strategy listings returned for this product. Use the filters to narrow by index, term, premium band, or rate type.

Par: 115% · 1-yr

Nasdaq Priva Index

participation

5-yr surrender$100,000+

Par: 52% · 1-yr

S&P 500 Index

participation

5-yr surrender$100,000+

Par: 52% · 1-yr

Capital Group Dividend Value ETF

participation

5-yr surrender$100,000+

Cap: 9.25% · 1-yr

S&P 500 Index

cap

5-yr surrender$100,000+

Trigger: 9.25% · 1-yr

S&P 500 Daily Risk Control 10% USD Excess Return Index

trigger

5-yr surrender$100,000+

Trigger: 7.5% · 1-yr

S&P 500 Index

trigger

5-yr surrender$100,000+

Trigger: 7.25% · 1-yr

S&P 500 Index

Dual Trigger · trigger

5-yr surrender$100,000+

Fixed: 4.5% · 1-yr

Fixed Account

fixed

5-yr surrender$100,000+

Par: 150% · 5-yr

S&P 500 Daily Risk Control 10% USD Excess Return Index

participation

5-yr surrender$100,000+

Par: 100% + Declared: 8% · 5-yr

S&P 500 Daily Risk Control 10% USD Excess Return Index

5 Year Lock · trigger

5-yr surrender$100,000+

Par: 80% · 5-yr

S&P 500 Index

participation

5-yr surrender$100,000+

Cap: 7.65% · 5-yr

S&P 500 Index

5 Year Lock · cap

5-yr surrender$100,000+

Par: 95% · 1-yr

Nasdaq Priva Index

participation

5-yr surrenderUp to $99,999.99

Par: 49% · 1-yr

S&P 500 Index

participation

5-yr surrenderUp to $99,999.99

Par: 45% · 1-yr

Capital Group Dividend Value ETF

participation

5-yr surrenderUp to $99,999.99

Trigger: 8.75% · 1-yr

S&P 500 Daily Risk Control 10% USD Excess Return Index

trigger

5-yr surrenderUp to $99,999.99

Cap: 8.5% · 1-yr

S&P 500 Index

cap

5-yr surrenderUp to $99,999.99

Trigger: 7% · 1-yr

S&P 500 Index

trigger

5-yr surrenderUp to $99,999.99

Trigger: 6.75% · 1-yr

S&P 500 Index

Dual Trigger · trigger

5-yr surrenderUp to $99,999.99

Fixed: 4% · 1-yr

Fixed Account

fixed

5-yr surrenderUp to $99,999.99

Par: 140% · 5-yr

S&P 500 Daily Risk Control 10% USD Excess Return Index

participation

5-yr surrenderUp to $99,999.99

Par: 100% + Declared: 6.75% · 5-yr

S&P 500 Daily Risk Control 10% USD Excess Return Index

5 Year Lock · trigger

5-yr surrenderUp to $99,999.99

Par: 65% · 5-yr

S&P 500 Index

participation

5-yr surrenderUp to $99,999.99

Cap: 6.75% · 5-yr

S&P 500 Index

5 Year Lock · cap

5-yr surrenderUp to $99,999.99

Par: 113% · 1-yr

Nasdaq Priva Index

participation

7-yr surrender$100,000+

Par: 55% · 1-yr

S&P 500 Index

participation

7-yr surrender$100,000+

Par: 55% · 1-yr

Capital Group Dividend Value ETF

participation

7-yr surrender$100,000+

Trigger: 9.5% · 1-yr

S&P 500 Daily Risk Control 10% USD Excess Return Index

trigger

7-yr surrender$100,000+

Cap: 9.35% · 1-yr

S&P 500 Index

cap

7-yr surrender$100,000+

Trigger: 7.75% · 1-yr

S&P 500 Index

trigger

7-yr surrender$100,000+

Fixed: 4.6% · 1-yr

Fixed Account

fixed

7-yr surrender$100,000+

Par: 160% · 7-yr

S&P 500 Daily Risk Control 10% USD Excess Return Index

participation

7-yr surrender$100,000+

Par: 100% + Declared: 8% · 7-yr

S&P 500 Daily Risk Control 10% USD Excess Return Index

7 Year Lock · trigger

7-yr surrender$100,000+

Par: 80% · 7-yr

S&P 500 Index

participation

7-yr surrender$100,000+

Cap: 7% · 7-yr

S&P 500 Index

7 Year Lock · cap

7-yr surrender$100,000+

Par: 100% · 1-yr

Nasdaq Priva Index

participation

7-yr surrenderUp to $99,999.99

Par: 51% · 1-yr

S&P 500 Index

participation

7-yr surrenderUp to $99,999.99

Par: 50% · 1-yr

Capital Group Dividend Value ETF

participation

7-yr surrenderUp to $99,999.99

Trigger: 9% · 1-yr

S&P 500 Daily Risk Control 10% USD Excess Return Index

trigger

7-yr surrenderUp to $99,999.99

Cap: 8.55% · 1-yr

S&P 500 Index

cap

7-yr surrenderUp to $99,999.99

Trigger: 7.25% · 1-yr

S&P 500 Index

trigger

7-yr surrenderUp to $99,999.99

Par: 150% · 7-yr

S&P 500 Daily Risk Control 10% USD Excess Return Index

participation

7-yr surrenderUp to $99,999.99

Par: 100% + Declared: 7.4% · 7-yr

S&P 500 Daily Risk Control 10% USD Excess Return Index

7 Year Lock · trigger

7-yr surrenderUp to $99,999.99

Par: 70% · 7-yr

S&P 500 Index

participation

7-yr surrenderUp to $99,999.99

Cap: 6.25% · 7-yr

S&P 500 Index

7 Year Lock · cap

7-yr surrenderUp to $99,999.99

Par: 115% · 1-yr

Nasdaq Priva Index

PP

$100,000+

Par: 52% · 1-yr

S&P 500 Index

PP

$100,000+

Par: 52% · 1-yr

Capital Group Dividend Value ETF

PP

$100,000+

Cap: 9.25% · 1-yr

S&P 500 Index

PP

$100,000+

Trigger: 9.25% · 1-yr

S&P 500 Daily Risk Control 10% USD Excess Return Index

PT

$100,000+

Trigger: 7.5% · 1-yr

S&P 500 Index

PT

$100,000+

Trigger: 7.25% · 1-yr

S&P 500 Index

Dual Trigger · PT

$100,000+

Fixed: 4.5% · 1-yr

Fixed Account

FX

$100,000+

Par: 113% · 1-yr

Nasdaq Priva Index

PP

$100,000+

Par: 55% · 1-yr

S&P 500 Index

PP

$100,000+

Par: 55% · 1-yr

Capital Group Dividend Value ETF

PP

$100,000+

Trigger: 9.5% · 1-yr

S&P 500 Daily Risk Control 10% USD Excess Return Index

PT

$100,000+

Cap: 9.35% · 1-yr

S&P 500 Index

PP

$100,000+

Trigger: 7.75% · 1-yr

S&P 500 Index

PT

$100,000+

Fixed: 4.6% · 1-yr

Fixed Account

FX

$100,000+

Par: 150% · 5-yr

S&P 500 Daily Risk Control 10% USD Excess Return Index

PP

$100,000+

Par: 100% + Declared: 8% · 5-yr

S&P 500 Daily Risk Control 10% USD Excess Return Index

5 Year Lock · PT

$100,000+

Par: 70% · 5-yr

S&P 500 Index

PP

$100,000+

Cap: 7.65% · 5-yr

S&P 500 Index

5 Year Lock · PP

$100,000+

Par: 160% · 7-yr

S&P 500 Daily Risk Control 10% USD Excess Return Index

PP

$100,000+

Par: 100% + Declared: 8% · 7-yr

S&P 500 Daily Risk Control 10% USD Excess Return Index

7 Year Lock · PT

$100,000+

Par: 80% · 7-yr

S&P 500 Index

PP

$100,000+

Cap: 7% · 7-yr

S&P 500 Index

7 Year Lock · PP

$100,000+

Par: 95% · 1-yr

Nasdaq Priva Index

PP

Up to $99,999.99

Par: 45% · 1-yr

S&P 500 Index

PP

Up to $99,999.99

Par: 40% · 1-yr

Capital Group Dividend Value ETF

PP

Up to $99,999.99

Trigger: 8% · 1-yr

S&P 500 Daily Risk Control 10% USD Excess Return Index

PT

Up to $99,999.99

Cap: 7.25% · 1-yr

S&P 500 Index

PP

Up to $99,999.99

Trigger: 6.5% · 1-yr

S&P 500 Index

PT

Up to $99,999.99

Trigger: 5.25% · 1-yr

S&P 500 Index

Dual Trigger · PT

Up to $99,999.99

Fixed: 3.4% · 1-yr

Fixed Account

FX

Up to $99,999.99

Par: 100% · 1-yr

Nasdaq Priva Index

PP

Up to $99,999.99

Par: 51% · 1-yr

S&P 500 Index

PP

Up to $99,999.99

Par: 50% · 1-yr

Capital Group Dividend Value ETF

PP

Up to $99,999.99

Trigger: 9% · 1-yr

S&P 500 Daily Risk Control 10% USD Excess Return Index

PT

Up to $99,999.99

Cap: 8.55% · 1-yr

S&P 500 Index

PP

Up to $99,999.99

Trigger: 7.25% · 1-yr

S&P 500 Index

PT

Up to $99,999.99

Trigger: 6.75% · 1-yr

S&P 500 Index

Dual Trigger · PT

Up to $99,999.99

Fixed: 4% · 1-yr

Fixed Account

FX

Up to $99,999.99

Par: 130% · 5-yr

S&P 500 Daily Risk Control 10% USD Excess Return Index

PP

Up to $99,999.99

Par: 100% + Declared: 6.5% · 5-yr

S&P 500 Daily Risk Control 10% USD Excess Return Index

5 Year Lock · PT

Up to $99,999.99

Par: 60% · 5-yr

S&P 500 Index

PP

Up to $99,999.99

Cap: 6.25% · 5-yr

S&P 500 Index

5 Year Lock · PP

Up to $99,999.99

Par: 150% · 7-yr

S&P 500 Daily Risk Control 10% USD Excess Return Index

PP

Up to $99,999.99

Par: 100% + Declared: 7.4% · 7-yr

S&P 500 Daily Risk Control 10% USD Excess Return Index

7 Year Lock · PT

Up to $99,999.99

Par: 70% · 7-yr

S&P 500 Index

PP

Up to $99,999.99

Cap: 6.25% · 7-yr

S&P 500 Index

7 Year Lock · PP

Up to $99,999.99

Income riders

Accumulation-focused — no income rider

This contract is designed for tax-deferred accumulation, not guaranteed lifetime income. No GLWB rider was returned because none is part of the contract design — compare against other accumulation FIAs on cap, participation rate, and surrender terms rather than lifetime income.

Linked review

Lincoln FlexAdvantage review notes

Explore the Lincoln FlexAdvantage FIA: features, rates, pros, cons, and more in this unbiased, expert-reviewed annuity guide.

5/5Read review
Nikhil Bhauwala

Common questions about Lincoln FlexAdvantage

● Can I lose money in Lincoln FlexAdvantage?

In a year the index falls, Lincoln FlexAdvantage credits 0% — the floor — so your account value does not drop from market losses. Up to 10% of your value can be withdrawn each year without a charge; withdrawals above the penalty-free amount during the surrender period can incur a surrender charge.

● How does Lincoln FlexAdvantage compare to other FIAs?

Use "Compare against" in the analyzer to overlay Lincoln FlexAdvantage with a competing product on the same growth path and see a side-by-side spec row. The better fit depends on your goal — accumulation, income, or liquidity — and the comparison shows where each product leads.

Key Features

Free withdrawal

10%/yr

Annual amount that may be available without surrender charges, subject to contract terms.

Surrender waivers

2

Nursing home waiver, Terminal illness waiver

Death benefit

Standard Death Benefit

Beneficiary value depends on contract terms, withdrawals, and rider elections.

Strategy guarantee

Minimum guaranteed cap: 1.00%

Strategy guarantee

Minimum guaranteed declared rate: 1.00%

Strategy guarantee

Guaranteed minimum interest rate (fixed): 0.10%

Annuitization options

Single life

Contract conversion options should be confirmed before purchase.

Fund types

Non-qualified, Qualified

Availability can vary by state and product terms.

Surrender schedule

Surrender schedule not available for this product

A surrender-charge schedule was not returned for this product on this request. Surrender terms often vary by state — confirm with the carrier before purchase.

Documents

brochure

FA-FLX-PDC001_FINAL.pdf

Confidence: highReviewed Apr 8, 2026

Direct link not published — request the document from the carrier.

Carrier Ratings

AM BestA
S&PA+
Moody'sA2
S&PA+

Contract notes from product data

Crediting design

How the interest-crediting choices are framed

Lincoln FlexAdvantage currently shows 43 distinct indexed or fixed crediting choices across 96 current rate listings, including S&P 500 Index, with 9 volatility-controlled index options grouped separately. These choices matter because caps, participation rates, fixed accounts, spreads, and renewal terms are different mechanics and should not be ranked as one simple rate list.

  • S&P 500 Index: 9.25% cap
  • S&P 500 Index: 9.35% cap
  • S&P 500 Index: 8.5% cap

Liquidity terms

Why access rules deserve as much attention as rates

A fixed indexed annuity can preserve more control than an income-only contract, but access is still governed by the surrender schedule, free-withdrawal terms, and waiver language. Those details are where many product comparisons become more meaningful than a simple rate list.

  • 10%/yr free withdrawal
  • Nursing home waiver
  • Terminal illness waiver

Verification note

Use carrier materials as term evidence, then confirm the current version

Carrier materials such as FA-FLX-PDC001_FINAL.pdf help explain the contract language behind the data on this page; the latest document activity we see is Apr 8, 2026. For the current brochure, rate sheet, or specimen contract, confirm the state-specific version with the carrier or a licensed financial professional.

  • Rates and rider terms can vary by state and issue age
  • Carrier guarantees depend on claims-paying ability
  • Current contract forms should be confirmed before purchase

Free Comparison Report

Get a Lincoln FlexAdvantage rate report

See how Lincoln FlexAdvantage compares for your age, state, premium, and income goals alongside other Lincoln Financial fixed indexed annuity options.

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