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Fixed Indexed Annuity

OptiBlend — Lincoln Financial

Lincoln Financial

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10.25%

Best S&P 500 Annual Cap

10%

Free W/D

52

Available jurisdictions

Product data status: October 2, 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 OptiBlend would do for you

Set your numbers and switch between growth strategies and liquidity scenarios. Negative index performance does not produce a negative index credit. Fees, withdrawals and surrender charges can reduce contract value.

Product analyzer
Illustrative — live CANNEX rates as of October 2, 2026; not a projection or guarantee.
Crediting strategy
Compare against
$312,336
Est. value at age 80 (OptiBlend)
10.25%
Best S&P 500 1-yr point-to-point cap
S&P 500 Index — 10.1% Cap (Unknown · Annual)
✦
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 OptiBlend's published cap rate (10.1% on S&P 500 Index) to a standard benchmark 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 October 2, 2026.

Free Comparison Report

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

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rate data

Run numbers for OptiBlend

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

Live product data

Rates as of October 2, 2026, from AdvisorWorld and CANNEX.

S&P 500 annual cap rate

10.25% cap on S&P 500

A nine-year-surrender fixed indexed annuity from an A-rated Lincoln Financial carrier, built for long-horizon index-linked accumulation across the broadest strategy and index menu on Lincoln's FIA shelf, with no income rider and no premium bonus.

1-year term10-year surrender$100,000+AdvisorWorld + CANNEX data

Best fit

Buyers committed to a full nine-year FIA deferral who want index-linked accumulation across a broad menu of recognizable benchmark, ETF, and volatility-controlled indexes, and do not need a guaranteed lifetime-income rider.

AM Best

A Excellent

Surrender options

5, 7, and 10 years

Free withdrawal

10%/yr

Availability

52 jurisdictions (excl. New York)

Featured crediting strategies

Index / strategyRate mechanics

S&P 500

S&P 500 Index

10.15% cap rate

Annual point-to-point

Requested state: TX

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

S&P 500

S&P 500 Index

10.1% cap rate

Annual point-to-point

Requested state: TX

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

S&P 500

S&P 500 Index

10.25% cap rate

Annual point-to-point

Requested state: TX

1-year term · 10-year surrender · $100,000+

S&P 500

S&P 500 Index

8% trigger rate

Performance trigger

Requested state: TX

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

S&P 500

S&P 500 Index

Dual Trigger

6.75% trigger rate

Performance trigger

Requested state: TX

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

S&P 500

S&P 500 Index

8% trigger rate

Performance trigger

Requested state: TX

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

S&P 500

S&P 500 Index

Dual Trigger

6.75% trigger rate

Performance trigger

Requested state: TX

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

S&P 500

S&P 500 Index

8.1% trigger rate

Performance trigger

Requested state: TX

1-year term · 10-year surrender · $100,000+

S&P 500

S&P 500 Index

Dual Trigger

7% trigger rate

Performance trigger

Requested state: TX

1-year term · 10-year surrender · $100,000+

S&P 500

S&P 500 Index

58% participation rate

Annual point-to-point

Requested state: TX

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

S&P 500

S&P 500 Index

58% participation rate

Annual point-to-point

Requested state: TX

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

S&P 500

S&P 500 Index

60% participation rate

Annual point-to-point

Requested state: TX

1-year term · 10-year surrender · $100,000+

S&P 500

S&P 500 Index

Rate not shown

Rate effective Sep 15, 2026

Annual point-to-point

Requested state: TX

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

S&P 500

S&P 500 Index

Rate not shown

Rate effective Sep 15, 2026

Performance trigger

Requested state: TX

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

S&P 500

S&P 500 Index

Dual Trigger

Rate not shown

Rate effective Sep 15, 2026

Performance trigger

Requested state: TX

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

S&P 500

S&P 500 Index

Rate not shown

Rate effective Sep 15, 2026

Annual point-to-point

Requested state: TX

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

S&P 500

S&P 500 Index

Rate not shown

Rate effective Sep 15, 2026

Performance trigger

Requested state: TX

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

S&P 500

S&P 500 Index

Dual Trigger

Rate not shown

Rate effective Sep 15, 2026

Performance trigger

Requested state: TX

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

S&P 500

S&P 500 Index

Rate not shown

Rate effective Sep 15, 2026

Annual point-to-point

Requested state: TX

1-year term · 10-year surrender · $100,000+

S&P 500

S&P 500 Index

Rate not shown

Rate effective Sep 15, 2026

Performance trigger

Requested state: TX

1-year term · 10-year surrender · $100,000+

S&P 500

S&P 500 Index

Dual Trigger

Rate not shown

Rate effective Sep 15, 2026

Performance trigger

Requested state: TX

1-year term · 10-year surrender · $100,000+

S&P 500

S&P 500 Index

5 Year Lock

8.25% cap rate

5-year point-to-point

Requested state: TX

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

S&P 500

S&P 500 Index

5 Year Lock

8.4% cap rate

5-year point-to-point

Requested state: TX

5-year term · 10-year surrender · $100,000+

S&P 500

S&P 500 Index

85% participation rate

5-year point-to-point

Requested state: TX

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

S&P 500

S&P 500 Index

90% participation rate

5-year point-to-point

Requested state: TX

5-year term · 10-year surrender · $100,000+

S&P 500

S&P 500 Index

Rate not shown

Rate effective Sep 15, 2026

5-year point-to-point

Requested state: TX

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

S&P 500

S&P 500 Index

5 Year Lock

Rate not shown

Rate effective Sep 15, 2026

5-year point-to-point

Requested state: TX

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

S&P 500

S&P 500 Index

Rate not shown

Rate effective Sep 15, 2026

5-year point-to-point

Requested state: TX

5-year term · 10-year surrender · $100,000+

S&P 500

S&P 500 Index

5 Year Lock

Rate not shown

Rate effective Sep 15, 2026

5-year point-to-point

Requested state: TX

5-year term · 10-year surrender · $100,000+

S&P 500

S&P 500 Index

7 Year Lock

7.5% cap rate

7-year point-to-point

Requested state: TX

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

S&P 500

S&P 500 Index

90% participation rate

7-year point-to-point

Requested state: TX

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

S&P 500

S&P 500 Index

Rate not shown

Rate effective Sep 15, 2026

7-year point-to-point

Requested state: TX

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

S&P 500

S&P 500 Index

7 Year Lock

Rate not shown

Rate effective Sep 15, 2026

7-year point-to-point

Requested state: TX

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

Fixed Account

Fixed Account

5.15% declared rate

Fixed account

Requested state: TX

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

Fixed Account

Fixed Account

5.1% declared rate

Fixed account

Requested state: TX

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

Fixed Account

Fixed Account

5.2% declared rate

Fixed account

Requested state: TX

1-year term · 10-year surrender · $100,000+

Fixed Account

Fixed Account

Rate not shown

Rate effective Sep 15, 2026

Fixed account

Requested state: TX

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

Fixed Account

Fixed Account

Rate not shown

Rate effective Sep 15, 2026

Fixed account

Requested state: TX

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

Fixed Account

Fixed Account

Rate not shown

Rate effective Sep 15, 2026

Fixed account

Requested state: TX

1-year term · 10-year surrender · $100,000+

+ 30 additional crediting options (S&P 500, Nasdaq Priva, Capital Group...)

Product analyst notes

How to think about this contract

Why it can stand out

  • Nine-year surrender ladder is the longest on Lincoln's accumulation-FIA shelf, so the contract is designed for buyers who can commit capital for a full nine years.
  • 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 mix like-for-like cap comparison with higher-participation alternatives.
  • Multiple crediting designs are offered on the same S&P 500 exposure — annual point-to-point cap, participation, and a fixed-rate trigger — so a buyer can pick the mechanic that best fits their view of the index.
  • 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

  • OptiBlend 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 files a separate income-bearing sibling (OptiBlend Income) for buyers wanting an optional GLWB; compare that contract if income is the goal.
  • Nine years is at the long end of the FIA surrender spectrum, with a first-year surrender charge in the high single digits that does not drop into the low single digits until late in the schedule. Buyers who do not need a full nine-year deferral should compare a shorter-surrender FIA first.
  • There is no premium bonus on this contract — every dollar of upside has to come from the index strategies themselves, with no first-year credit to offset the long surrender term.
  • Three of the four non-fixed indexes (Capital Group Dividend Value ETF, S&P 500 Daily Risk Control, Nasdaq Priva) are proprietary or volatility-controlled benchmarks, and caps/participation can reset down toward the very low guaranteed-minimum floor across the nine-year term. New York buyers should note that this contract is not available in NY.

Not ideal for

Buyers who need a contractually guaranteed GLWB withdrawal rate (look at OptiBlend Income instead), want a shorter surrender commitment (compare OptiBlend Advisory 5 or Core Capital), expect a premium bonus, or live in New York.

Free Comparison Report

Get an OptiBlend rate report

See how OptiBlend 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 (43 strategies)

These listings show published strategy details and any available rates. Use the filters to narrow by index, term, premium band, or rate type.

Par: 110% · 1-yr

Nasdaq Priva Index

Point-to-point

Requested state: TX5-yr surrender$100,000+

Cap: 10.1% · 1-yr

S&P 500 Index

Point-to-point

Requested state: TX5-yr surrender$100,000+

Fixed: 5.1% · 1-yr

Fixed Account

Fixed account

Requested state: TX5-yr surrender$100,000+

Par: 150% · 5-yr

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

Point-to-point

Requested state: TX5-yr surrender$100,000+

Par: 85% · 5-yr

S&P 500 Index

Point-to-point

Requested state: TX5-yr surrender$100,000+

Trigger: 8.85% · 5-yr

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

5 Year Lock · Performance trigger

Requested state: TX5-yr surrender$100,000+

Cap: 8.25% · 5-yr

S&P 500 Index

5 Year Lock · Point-to-point

Requested state: TX5-yr surrender$100,000+

Rate not shown · 5-yr

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

5 Year Lock · Performance trigger

Requested state: TXRate effective Sep 15, 20265-yr surrender$100,000+

Rate not shown · 5-yr

S&P 500 Index

Point-to-point

Requested state: TXRate effective Sep 15, 20265-yr surrender$100,000+

Rate not shown · 5-yr

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

Point-to-point

Requested state: TXRate effective Sep 15, 20265-yr surrender$100,000+

Rate not shown · 5-yr

S&P 500 Index

5 Year Lock · Point-to-point

Requested state: TXRate effective Sep 15, 20265-yr surrender$100,000+

Par: 115% · 1-yr

Nasdaq Priva Index

Point-to-point

Requested state: TX7-yr surrender$100,000+

Par: 60% · 1-yr

Capital Group Dividend Value ETF

Point-to-point

Requested state: TX7-yr surrender$100,000+

Par: 58% · 1-yr

S&P 500 Index

Point-to-point

Requested state: TX7-yr surrender$100,000+

Cap: 10.15% · 1-yr

S&P 500 Index

Point-to-point

Requested state: TX7-yr surrender$100,000+

Trigger: 10% · 1-yr

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

Performance trigger

Requested state: TX7-yr surrender$100,000+

Trigger: 8% · 1-yr

S&P 500 Index

Performance trigger

Requested state: TX7-yr surrender$100,000+

Trigger: 6.75% · 1-yr

S&P 500 Index

Dual Trigger · Performance trigger

Requested state: TX7-yr surrender$100,000+

Fixed: 5.15% · 1-yr

Fixed Account

Fixed account

Requested state: TX7-yr surrender$100,000+

Rate not shown · 1-yr

Fixed Account

Fixed account

Requested state: TXRate effective Sep 15, 20267-yr surrender$100,000+

Rate not shown · 1-yr

S&P 500 Index

Point-to-point

Requested state: TXRate effective Sep 15, 20267-yr surrender$100,000+

Rate not shown · 1-yr

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

Performance trigger

Requested state: TXRate effective Sep 15, 20267-yr surrender$100,000+

Rate not shown · 1-yr

S&P 500 Index

Dual Trigger · Performance trigger

Requested state: TXRate effective Sep 15, 20267-yr surrender$100,000+

Rate not shown · 1-yr

Nasdaq Priva Index

Point-to-point

Requested state: TXRate effective Sep 15, 20267-yr surrender$100,000+

Rate not shown · 1-yr

Capital Group Dividend Value ETF

Point-to-point

Requested state: TXRate effective Sep 15, 20267-yr surrender$100,000+

Par: 175% · 7-yr

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

Point-to-point

Requested state: TX7-yr surrender$100,000+

Par: 90% · 7-yr

S&P 500 Index

Point-to-point

Requested state: TX7-yr surrender$100,000+

Trigger: 8.25% · 7-yr

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

7 Year Lock · Performance trigger

Requested state: TX7-yr surrender$100,000+

Cap: 7.5% · 7-yr

S&P 500 Index

7 Year Lock · Point-to-point

Requested state: TX7-yr surrender$100,000+

Rate not shown · 7-yr

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

7 Year Lock · Performance trigger

Requested state: TXRate effective Sep 15, 20267-yr surrender$100,000+

Rate not shown · 7-yr

S&P 500 Index

Point-to-point

Requested state: TXRate effective Sep 15, 20267-yr surrender$100,000+

Rate not shown · 7-yr

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

Point-to-point

Requested state: TXRate effective Sep 15, 20267-yr surrender$100,000+

Rate not shown · 7-yr

S&P 500 Index

7 Year Lock · Point-to-point

Requested state: TXRate effective Sep 15, 20267-yr surrender$100,000+

Par: 125% · 1-yr

Nasdaq Priva Index

Point-to-point

Requested state: TX10-yr surrender$100,000+

Par: 60% · 1-yr

S&P 500 Index

Point-to-point

Requested state: TX10-yr surrender$100,000+

Cap: 10.25% · 1-yr

S&P 500 Index

Point-to-point

Requested state: TX10-yr surrender$100,000+

Trigger: 10.15% · 1-yr

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

Performance trigger

Requested state: TX10-yr surrender$100,000+

Trigger: 8.1% · 1-yr

S&P 500 Index

Performance trigger

Requested state: TX10-yr surrender$100,000+

Trigger: 7% · 1-yr

S&P 500 Index

Dual Trigger · Performance trigger

Requested state: TX10-yr surrender$100,000+

Fixed: 5.2% · 1-yr

Fixed Account

Fixed account

Requested state: TX10-yr surrender$100,000+

Par: 185% · 5-yr

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

Point-to-point

Requested state: TX10-yr surrender$100,000+

Par: 90% · 5-yr

S&P 500 Index

Point-to-point

Requested state: TX10-yr surrender$100,000+

Cap: 8.4% · 5-yr

S&P 500 Index

5 Year Lock · Point-to-point

Requested state: TX10-yr surrender$100,000+

Accumulation profile

Accumulation-focused contract

The CANNEX information identifies this product as tax-deferred accumulation. Compare cap, participation rate, fees, liquidity, and surrender terms; use a separate payout-focused contract when guaranteed payout mechanics are required.

Linked review

OptiBlend review notes

Discover the features and benefits of the Lincoln OptiBlend Fixed Indexed Annuity. Learn how it can help you grow and protect your retirement savings.

3.5/5Read review
Nikhil Bhauwala

Common questions about OptiBlend

● Can I lose money in OptiBlend?

A negative index return by itself does not reduce the contract's account value: OptiBlend credits 0% — the floor — for that indexed period. The account value can still decrease from withdrawals, surrender charges, other contract-specific deductions. In years with no credited interest, those deductions can reduce the account value. 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 do OptiBlend's crediting strategies compare?

Use "Compare against" in the analyzer to overlay another available OptiBlend strategy on the same premium, age, years, and hypothetical index path. The control labels the strategy type, rate, index, and context so caps, participation rates, triggers, spreads, and fixed-account choices are not treated as interchangeable.

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.

Cap-rate floor

1.00%

Minimum guaranteed cap for cap-based indexed strategies.

Declared-rate floor

1.00%

Minimum guaranteed declared rate for declared-rate or performance-trigger strategies.

Fixed account guarantee

0.10%

Guaranteed minimum interest rate for the fixed account.

Participation-rate floor

0.00%

Minimum guaranteed participation rate for participation-rate indexed strategies.

Annuitization options

Single life

Published payout options from the normalized contract facts.

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 is currently unavailable for this product. Surrender terms often vary by state — confirm with the carrier before purchase.

Documents

brochure

Lincoln Financial OptiBlend brochure.pdf

Confidence: highReviewed Apr 9, 2026

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

Carrier Ratings

AM BestA
FitchA+
Moody'sA2
S&PA+

Contract notes from product data

Crediting design

How the interest-crediting choices are framed

OptiBlend currently shows 42 distinct indexed or fixed crediting choices across 43 displayed rate entries, including S&P 500 Index, with 18 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: 10.15% annual cap
  • S&P 500 Index: 10.1% annual cap
  • S&P 500 Index: 10.25% annual cap
  • S&P 500 Index: 8% annual trigger rate

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 Financial OptiBlend brochure.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 an OptiBlend rate report

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

Get my rate report

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