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Fixed Indexed Annuity

Lincoln Set 5 II

Lincoln Financial

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8.75%

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 Set 5 II 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
$303,603
Est. value at age 80 (Lincoln Set 5 II)
0%
Floor — index losses never reduce value
Lincoln Set 5 II
✦
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 Set 5 II's published cap rate (8.75% 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.

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See how Lincoln Set 5 II 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 Set 5 II

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

Live product data

Rates as of June 26, 2026, based on the latest AdvisorWorld scan of CANNEX data.

S&P 500 annual cap rate

8.75% cap on S&P 500

A five-year-surrender fixed indexed annuity from an A-rated Lincoln Financial carrier, built for index-linked accumulation on a deliberately narrow S&P 500-based strategy menu (cap, trigger, Risk Control variant), with a higher-than-typical trigger floor and no income rider.

1-year termAdvisorWorld + CANNEX data

Best fit

Buyers who want a five-year FIA commitment on a small, recognizable S&P 500 strategy menu with a stronger guaranteed-minimum trigger floor, and do not need a guaranteed lifetime-income rider built into the contract.

AM Best

A Excellent

Surrender period

5 years

Free withdrawal

10%/yr

Availability

52 jurisdictions (excl. New York)

Featured crediting strategies

Index / strategyRate mechanics

S&P 500

S&P 500 Index

8.75% cap rate

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

Rate varies by premium band.

S&P 500

S&P 500 Index

7.75% 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

6.5% trigger rate

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

Rate varies by premium band.

S&P 500

S&P 500 Index

6% trigger rate

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

Rate varies by premium band.

S&P 500

S&P 500 Index

7% trigger rate

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

Rate varies by premium band.

S&P 500

S&P 500 Index

7.5% cap rate

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

Rate varies by premium band.

S&P 500

S&P 500 Index

6.25% cap rate

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

Rate varies by premium band.

Fixed Account

Fixed Account

4.3% declared rate

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

Rate varies by premium band.

Fixed Account

Fixed Account

3.1% declared rate

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

Rate varies by premium band.

+ 8 additional crediting options (S&P 500...)
View rate listings (28 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.

Trigger: 8.75% · 1-yr

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

trigger

5-yr surrender$100,000+

Cap: 8.75% · 1-yr

S&P 500 Index

cap

5-yr surrender$100,000+

Trigger: 7.5% · 1-yr

S&P 500 Index

trigger

5-yr surrender$100,000+

Trigger: 6.5% · 1-yr

S&P 500 Index

Dual Trigger · trigger

5-yr surrender$100,000+

Fixed: 4.3% · 1-yr

Fixed Account

fixed

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+

Cap: 7.5% · 5-yr

S&P 500 Index

5 Year Lock · cap

5-yr surrender$100,000+

Trigger: 7.75% · 1-yr

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

trigger

5-yr surrenderUp to $99,999.99

Cap: 7.5% · 1-yr

S&P 500 Index

cap

5-yr surrenderUp to $99,999.99

Trigger: 6.5% · 1-yr

S&P 500 Index

trigger

5-yr surrenderUp to $99,999.99

Trigger: 5.5% · 1-yr

S&P 500 Index

Dual Trigger · trigger

5-yr surrenderUp to $99,999.99

Fixed: 3.75% · 1-yr

Fixed Account

fixed

5-yr surrenderUp to $99,999.99

Par: 100% + Declared: 6.25% · 5-yr

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

5 Year Lock · trigger

5-yr surrenderUp to $99,999.99

Cap: 6.25% · 5-yr

S&P 500 Index

5 Year Lock · cap

5-yr surrenderUp to $99,999.99

Trigger: 8.5% · 1-yr

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

PT

$100,000+

Cap: 7.75% · 1-yr

S&P 500 Index

PP

$100,000+

Trigger: 7% · 1-yr

S&P 500 Index

PT

$100,000+

Trigger: 6% · 1-yr

S&P 500 Index

Dual Trigger · PT

$100,000+

Fixed: 3.1% · 1-yr

Fixed Account

FX

$100,000+

Par: 100% + Declared: 7.5% · 5-yr

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

5 Year Lock · PT

$100,000+

Cap: 6.25% · 5-yr

S&P 500 Index

5 Year Lock · PP

$100,000+

Trigger: 7% · 1-yr

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

PT

Up to $99,999.99

Cap: 6.25% · 1-yr

S&P 500 Index

PP

Up to $99,999.99

Trigger: 5.75% · 1-yr

S&P 500 Index

PT

Up to $99,999.99

Trigger: 5.5% · 1-yr

S&P 500 Index

Dual Trigger · PT

Up to $99,999.99

Fixed: 3% · 1-yr

Fixed Account

FX

Up to $99,999.99

Par: 100% + Declared: 6.25% · 5-yr

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

5 Year Lock · PT

Up to $99,999.99

Cap: 5.5% · 5-yr

S&P 500 Index

5 Year Lock · PP

Up to $99,999.99

Product analyst notes

How to think about this contract

Why it can stand out

  • Five-year surrender ladder is at the short end of Lincoln's FIA shelf, so the surrender commitment is markedly shorter than FlexAdvantage's seven-year or OptiBlend's nine-year ladders.
  • Strategy menu is intentionally narrow — S&P 500 cap, S&P 500 fixed-trigger, and an S&P 500 Daily Risk Control strategy plus a fixed account — so a buyer is not asked to evaluate proprietary ETF or sector indexes alongside the core S&P.
  • Guaranteed-minimum declared rate on the trigger strategy floors higher on this filing than on the rest of Lincoln's FIA shelf — a stronger floor for buyers who use the trigger crediting design.
  • 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.

What to confirm

  • Lincoln SET 5 II 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. Do not compare its payout side-by-side with a rider-led income FIA.
  • There is no premium bonus on this contract — every dollar of upside has to come from the cap, trigger, and fixed-account strategies themselves.
  • The strategy menu does not include a participation-rate strategy, so buyers who want the higher-participation upside available on other Lincoln FIAs (OptiBlend, FlexAdvantage) should compare those before locking in.
  • The S&P 500 Daily Risk Control strategy uses a volatility-controlled excess-return version of the index, not the spot S&P. Caps and participation rates can also reset down toward the guaranteed-minimum floor across the surrender term. 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, want a participation-rate strategy or exposure to ETF/sector indexes, expect a premium bonus, or live in New York.

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See how Lincoln Set 5 II compares for your age, state, premium, and income goals alongside other Lincoln Financial fixed indexed annuity options.

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All crediting strategies

View rate listings (28 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.

Trigger: 8.75% · 1-yr

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

trigger

5-yr surrender$100,000+

Cap: 8.75% · 1-yr

S&P 500 Index

cap

5-yr surrender$100,000+

Trigger: 7.5% · 1-yr

S&P 500 Index

trigger

5-yr surrender$100,000+

Trigger: 6.5% · 1-yr

S&P 500 Index

Dual Trigger · trigger

5-yr surrender$100,000+

Fixed: 4.3% · 1-yr

Fixed Account

fixed

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+

Cap: 7.5% · 5-yr

S&P 500 Index

5 Year Lock · cap

5-yr surrender$100,000+

Trigger: 7.75% · 1-yr

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

trigger

5-yr surrenderUp to $99,999.99

Cap: 7.5% · 1-yr

S&P 500 Index

cap

5-yr surrenderUp to $99,999.99

Trigger: 6.5% · 1-yr

S&P 500 Index

trigger

5-yr surrenderUp to $99,999.99

Trigger: 5.5% · 1-yr

S&P 500 Index

Dual Trigger · trigger

5-yr surrenderUp to $99,999.99

Fixed: 3.75% · 1-yr

Fixed Account

fixed

5-yr surrenderUp to $99,999.99

Par: 100% + Declared: 6.25% · 5-yr

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

5 Year Lock · trigger

5-yr surrenderUp to $99,999.99

Cap: 6.25% · 5-yr

S&P 500 Index

5 Year Lock · cap

5-yr surrenderUp to $99,999.99

Trigger: 8.5% · 1-yr

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

PT

$100,000+

Cap: 7.75% · 1-yr

S&P 500 Index

PP

$100,000+

Trigger: 7% · 1-yr

S&P 500 Index

PT

$100,000+

Trigger: 6% · 1-yr

S&P 500 Index

Dual Trigger · PT

$100,000+

Fixed: 3.1% · 1-yr

Fixed Account

FX

$100,000+

Par: 100% + Declared: 7.5% · 5-yr

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

5 Year Lock · PT

$100,000+

Cap: 6.25% · 5-yr

S&P 500 Index

5 Year Lock · PP

$100,000+

Trigger: 7% · 1-yr

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

PT

Up to $99,999.99

Cap: 6.25% · 1-yr

S&P 500 Index

PP

Up to $99,999.99

Trigger: 5.75% · 1-yr

S&P 500 Index

PT

Up to $99,999.99

Trigger: 5.5% · 1-yr

S&P 500 Index

Dual Trigger · PT

Up to $99,999.99

Fixed: 3% · 1-yr

Fixed Account

FX

Up to $99,999.99

Par: 100% + Declared: 6.25% · 5-yr

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

5 Year Lock · PT

Up to $99,999.99

Cap: 5.5% · 5-yr

S&P 500 Index

5 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.

Common questions about Lincoln Set 5 II

● Can I lose money in Lincoln Set 5 II?

In a year the index falls, Lincoln Set 5 II 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 Set 5 II compare to other FIAs?

Use "Compare against" in the analyzer to overlay Lincoln Set 5 II 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: 2.00%

Strategy guarantee

Guaranteed minimum interest rate (fixed): 1.00%

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

Lincoln Set 5 II brochure pdf.pdf

Confidence: highReviewed Apr 15, 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 Set 5 II currently shows 14 distinct indexed or fixed crediting choices across 28 current rate listings, including S&P 500 Index. 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: 8.75% cap
  • S&P 500 Index: 7.5% cap
  • S&P 500 Index: 6.25% 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 Lincoln Set 5 II brochure pdf.pdf help explain the contract language behind the data on this page; the latest document activity we see is Apr 24, 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 Set 5 II rate report

See how Lincoln Set 5 II compares for your age, state, premium, and income goals alongside other Lincoln Financial fixed indexed annuity options.

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