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Fixed Indexed Annuity

OptiBlend Income

Lincoln Financial

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5.25%

Best Cap

10%

Free W/D

51

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 OptiBlend Income 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
$229,687
Est. value at age 80 (OptiBlend Income)
0%
Floor — index losses never reduce value
OptiBlend Income
✦
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 Income's published cap rate (5.25% 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 OptiBlend Income rate report

See how OptiBlend Income 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 OptiBlend Income

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.

Lincoln ProtectedPay Select GLWB withdrawal rate

6.3% lifetime payout + 9% roll-up

A ten-year-surrender Lincoln Financial FIA on the OptiBlend strategy chassis, built around the Lincoln ProtectedPay Select GLWB rider family, offering optional lifetime income with a longer deferral window than the FlexAdvantage Income siblings.

1.1% annual rider feeAdvisorWorld + CANNEX data

Best fit

Buyers who want a contractually guaranteed optional GLWB withdrawal rate, can commit to a ten-year surrender lockup, value the OptiBlend strategy chassis, and are deliberately picking the rider mechanic (base vs. Market Select vs. Estate Lock) rather than accepting a default.

AM Best

A Excellent

Surrender options

7 and 10 years

Free withdrawal

10%/yr

Availability

51 jurisdictions (excl. California, New York)

Featured crediting strategies

Index / strategyRate mechanics

S&P 500

S&P 500 Index

5.2% cap rate

1-year term · 7-year surrender · Premium band not shown

S&P 500

S&P 500 Index

5.25% cap rate

1-year term · 10-year surrender · Premium band not shown

S&P 500

S&P 500 Index

4.75% trigger rate

1-year term · 7-year surrender · Premium band not shown

S&P 500

S&P 500 Index

4.8% trigger rate

1-year term · 10-year surrender · Premium band not shown

S&P 500

S&P 500 Index

35% participation rate

1-year term · 7-year surrender · Premium band not shown

S&P 500

S&P 500 Index

37% participation rate

1-year term · 10-year surrender · Premium band not shown

S&P 500

S&P 500 Index

4.5% cap rate

5-year term · 10-year surrender · Premium band not shown

S&P 500

S&P 500 Index

4.45% cap rate

7-year term · 7-year surrender · Premium band not shown

Fixed Account

Fixed Account

3.2% declared rate

1-year term · 7-year surrender · Premium band not shown

Fixed Account

Fixed Account

3.25% declared rate

1-year term · 10-year surrender · Premium band not shown

+ 8 additional crediting options (S&P 500, Capital Group, Nasdaq Priva...)
View rate listings (18 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: 75% · 1-yr

Nasdaq Priva Index

participation

7-yr surrender

Par: 35% · 1-yr

S&P 500 Index

participation

7-yr surrender

Par: 35% · 1-yr

Capital Group Dividend Value ETF

participation

7-yr surrender

Trigger: 6% · 1-yr

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

trigger

7-yr surrender

Cap: 5.2% · 1-yr

S&P 500 Index

cap

7-yr surrender

Trigger: 4.75% · 1-yr

S&P 500 Index

trigger

7-yr surrender

Fixed: 3.2% · 1-yr

Fixed Account

fixed

7-yr surrender

Par: 100% + Declared: 5.25% · 7-yr

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

7 Year Lock · trigger

7-yr surrender

Cap: 4.45% · 7-yr

S&P 500 Index

7 Year Lock · cap

7-yr surrender

Par: 80% · 1-yr

Nasdaq Priva Index

participation

10-yr surrender

Par: 37% · 1-yr

S&P 500 Index

participation

10-yr surrender

Par: 37% · 1-yr

Capital Group Dividend Value ETF

participation

10-yr surrender

Trigger: 6.05% · 1-yr

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

trigger

10-yr surrender

Cap: 5.25% · 1-yr

S&P 500 Index

cap

10-yr surrender

Trigger: 4.8% · 1-yr

S&P 500 Index

trigger

10-yr surrender

Fixed: 3.25% · 1-yr

Fixed Account

fixed

10-yr surrender

Par: 100% + Declared: 5.3% · 5-yr

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

5 Year Lock · trigger

10-yr surrender

Cap: 4.5% · 5-yr

S&P 500 Index

5 Year Lock · cap

10-yr surrender

Lifetime Income Riders

Income rider

Lincoln ProtectedPay Select

Lifetime payout rate6.3% lifetime payout
Annual rider fee1.1% annual rider fee
Guaranteed roll-up9%/yr

Income rider

Lincoln ProtectedPay Select and Estate Lock

Lifetime payout rate5.1% lifetime payout
Annual rider fee1.1% annual rider fee
Guaranteed roll-up9%/yr

Product analyst notes

How to think about this contract

Why it can stand out

  • Same Lincoln ProtectedPay Select rider family as the FlexAdvantage Income siblings, so a buyer can choose between the OptiBlend strategy chassis or the FlexAdvantage chassis without losing the rider menu.
  • Ten-year surrender ladder runs longer than FlexAdvantage Income's seven-year ladder, giving the rider's deferral-bonus mechanic a longer window to compound.
  • An Estate Lock variant of the rider is on the menu, pairing the lifetime-income guarantee with a death-benefit feature so a deferred income contract does not have to give up the beneficiary side.
  • Carrier financial strength carries three independent ratings (A.M. Best, S&P, and Moody's), so the income guarantee is backed by a multi-agency view of carrier strength.

What to confirm

  • Ten 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 ten-year deferral should compare a shorter-surrender income FIA (FlexAdvantage Income, FlexAdvantage Income 7-Access).
  • The Lincoln ProtectedPay Select riders are all optional and fee-bearing — the annual rider fee comes out of the contract value every year the rider is in force, so the rider is only worth electing if the buyer actually intends to take lifetime income.
  • All ProtectedPay Select riders on the live feed open at issue age 59. Confirm the rider's deferral mechanic before treating any deferred bonus as a guarantee.
  • There is no premium bonus on the underlying contract, and the filing is not available in California or New York.

Not ideal for

Buyers who want a shorter surrender lockup (compare FlexAdvantage Income or FlexAdvantage Income 7-Access), do not want to pay an annual rider fee for lifetime income (compare the rider-free OptiBlend), expect a premium bonus, need income starting before age 59, or live in California or New York.

Free Comparison Report

Get a OptiBlend Income rate report

See how OptiBlend Income 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 (18 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: 75% · 1-yr

Nasdaq Priva Index

participation

7-yr surrender

Par: 35% · 1-yr

S&P 500 Index

participation

7-yr surrender

Par: 35% · 1-yr

Capital Group Dividend Value ETF

participation

7-yr surrender

Trigger: 6% · 1-yr

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

trigger

7-yr surrender

Cap: 5.2% · 1-yr

S&P 500 Index

cap

7-yr surrender

Trigger: 4.75% · 1-yr

S&P 500 Index

trigger

7-yr surrender

Fixed: 3.2% · 1-yr

Fixed Account

fixed

7-yr surrender

Par: 100% + Declared: 5.25% · 7-yr

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

7 Year Lock · trigger

7-yr surrender

Cap: 4.45% · 7-yr

S&P 500 Index

7 Year Lock · cap

7-yr surrender

Par: 80% · 1-yr

Nasdaq Priva Index

participation

10-yr surrender

Par: 37% · 1-yr

S&P 500 Index

participation

10-yr surrender

Par: 37% · 1-yr

Capital Group Dividend Value ETF

participation

10-yr surrender

Trigger: 6.05% · 1-yr

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

trigger

10-yr surrender

Cap: 5.25% · 1-yr

S&P 500 Index

cap

10-yr surrender

Trigger: 4.8% · 1-yr

S&P 500 Index

trigger

10-yr surrender

Fixed: 3.25% · 1-yr

Fixed Account

fixed

10-yr surrender

Par: 100% + Declared: 5.3% · 5-yr

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

5 Year Lock · trigger

10-yr surrender

Cap: 4.5% · 5-yr

S&P 500 Index

5 Year Lock · cap

10-yr surrender

Income riders

Income rider

Lincoln ProtectedPay Select

Lifetime withdrawal rate6.3%
Annual rider fee1.1%
Withdrawal-base growth9% roll-up

GLWB

Income rider

Lincoln ProtectedPay Select and Estate Lock

Lifetime withdrawal rate5.1%
Annual rider fee1.1%
Withdrawal-base growth9% roll-up

GLWB

Common questions about OptiBlend Income

● Can I lose money in OptiBlend Income?

In a year the index falls, OptiBlend Income 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.

● Is the Lincoln ProtectedPay Select income rider worth the 1.1% fee?

It depends on whether you will use the guaranteed income. If you are accumulating only, you can skip it. If you want guaranteed lifetime income later, the 9% roll-up and 6.3% withdrawal rate can make it worthwhile — model it in the Income tab of the analyzer above.

● When can I access my money without a surrender charge?

Up to 10% of your account value each year is penalty-free. The surrender period runs 10 years; after that you reach full liquidity. The Liquidity tab of the analyzer shows the year-by-year surrender charge.

● How does OptiBlend Income compare to other FIAs?

Use "Compare against" in the analyzer to overlay OptiBlend Income 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

Estate Lock 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

Yr 1

9%

Yr 2

9%

Yr 3

8%

Yr 4

7%

Yr 5

6%

Yr 6

5%

Yr 7

4%

Yr 8

3%

Yr 9

2%

Yr 10

1%

After

0%

Nursing home waiver, Terminal illness waiver, Surrender waivers

Documents

Carrier documents not available for this product

Brochures, product guides, or contract disclosures were not returned for this product on this request. Request the state-specific brochure or specimen contract from the carrier before purchase.

Carrier Ratings

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

Contract notes from product data

Crediting design

How the interest-crediting choices are framed

OptiBlend Income currently shows 16 distinct indexed or fixed crediting choices across 18 current rate listings, including S&P 500 Index and S&P 500 Daily Risk Control 10% USD Excess Return Index, with 4 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: 5.2% cap
  • S&P 500 Index: 5.25% cap
  • S&P 500 Index: 100% participation

Income rider language

What to look for before treating the rider as income

Lincoln ProtectedPay Select is the main income-rider entry returned for this product. Rider terms can affect the tradeoff between future lifetime withdrawals, contract value, beneficiary value, and cost, so the exact state version and rider election should be confirmed before comparing it to annuitization or income-only contracts.

  • 6.3% withdrawal rate
  • 1.1% rider fee

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
  • 10 surrender years
  • Nursing home waiver
  • Terminal illness waiver

Verification note

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

This page uses the current structured product data returned for the contract. 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 OptiBlend Income rate report

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

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