A.M. Best A rated · 12 products
Lincoln Financial Annuities — A Rated
Lincoln Financial is an A.M. Best A-rated annuity carrier. The current lineup includes 12 fixed indexed and multi-year guaranteed annuity products. Below: current annuity rates, financial-strength ratings, product reviews when available, and the full lineup.
Current rating
A
A.M. Best
Annuity products
12
12 products across FIA and MYGA families
Reviewed
June 9, 2026
Product lineup reviewed against current rates.
Lineup Snapshot
Available annuity families and product-type context.
- Product pages
- 9 FIA product pages, 3 MYGA product pages
- Product families
- Lincoln Flexadvantage Income, MYGuarantee, OptiBlend, Core Capital, Lincoln Covered Choice 5 II, Lincoln Flexadvantage, Lincoln Select, Lincoln SET 5 II, plus 1 more
- Product types
- FIA, MYGA
Financial Strength
Financial-strength ratings reflect an insurer's claims-paying ability, not the performance of any annuity contract.
Product Highlights
Current Annuity Highlights
Loading current rates, rider rows, index choices, and contract terms.
Carrier Profile
About Lincoln Financial
The Lincoln Financial Group (NYSE: LNC), based in Radnor, Pennsylvania, is a leading U.S. financial company with over 100 years of experience. It offers a wide range of insurance and retirement products to help individuals, families, and businesses plan for the future. Lincoln specializes in life insurance and annuities, including fixed, multi-year guaranteed (MYGA), indexed, and variable annuities. These solutions are designed to provide guaranteed income, protect your savings, and offer tax-deferred growth. Known for strong financial ratings and reliable service, Lincoln helps people build financial security and peace of mind for the long term.
Financial Strength In Plain English
Lincoln Financial Group typically holds strong credit ratings in the 'A' range from major credit rating agencies. These ratings reflect its robust financial health, substantial capitalization, and effective risk management practices. Lincoln Financial has a diversified business model that includes life insurance, annuities, retirement plan services, and group protection, contributing to its stable revenue streams and profitability. The company's strategic initiatives, such as expanding its distribution channels and enhancing digital capabilities, further bolster its market position. The outlook for Lincoln Financial is generally stable, suggesting confidence in the company’s ability to maintain its financial strength and manage future obligations effectively.
ARHQ Notes
From Our Coverage
First-party review context and product-page notes, kept separate from current rate tables.
Product Highlights
Short notes from product pages.
Core Capital
A five-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 small mix of recognizable benchmark and proprietary indexes, with no income rider and no premium bonus.
Open product pageLincoln Select
A multi-year guaranteed annuity from an A-rated Lincoln Financial carrier, offering a flat guaranteed rate across the published term menu on a ten-year surrender ladder whose late-year charges fall away on their own, with no index strategies and no income rider.
Open product pageLincoln Covered Choice 5 II
A five-year-surrender fixed indexed annuity from an A-rated Lincoln Financial carrier, built for index-linked accumulation across S&P 500 cap, participation, and trigger strategies plus a Capital Group Dividend Value ETF participation strategy, with no income rider and no premium bonus.
Open product pageFeatures
Features
Index options, riders, and term choices pulled into one quick scan.
FIA Products
Lincoln Flexadvantage Income
2 product pages
Lincoln Flexadvantage Income, Lincoln Flexadvantage Income 7 Access
OptiBlend
2 product pages
OptiBlend, OptiBlend Advisory 5
Core Capital
Core Capital
Open the product page for live rates, state availability, and term-specific detail.
Lincoln Covered Choice 5 II
Lincoln Covered Choice 5 II
Open the product page for live rates, state availability, and term-specific detail.
Lincoln Flexadvantage
Lincoln Flexadvantage
Open the product page for live rates, state availability, and term-specific detail.
Lincoln SET 5 II
Lincoln SET 5 II
Open the product page for live rates, state availability, and term-specific detail.
OptiBlend Income
OptiBlend Income
Open the product page for live rates, state availability, and term-specific detail.
MYGA Products
MYGuarantee
2 product pages
MYGuarantee Plus, MYGuarantee Plus Class
Lincoln Select
Lincoln Select
Open the product page for live rates, state availability, and term-specific detail.
Live Coverage
Product Coverage
Each annuity product page links to current rates, terms, and product details.
A002J2
Core Capital
- Coverage
- ARHQ product page
- Current rate
- Available
A000HH
Lincoln Covered Choice 5 II
- Coverage
- ARHQ product page
- Current rate
- Available
A000AK
Lincoln Flexadvantage
- Coverage
- ARHQ product page
- Current rate
- Available
A0039B
Lincoln Flexadvantage Income
- Coverage
- ARHQ product page
- Current rate
- Available
A0039G
Lincoln Flexadvantage Income 7 Access
- Coverage
- ARHQ product page
- Current rate
- Available
A0011B
Lincoln SET 5 II
- Coverage
- ARHQ product page
- Current rate
- Available
A00099
OptiBlend
- Coverage
- ARHQ product page
- Current rate
- Available
A0025Q
OptiBlend Advisory 5
- Coverage
- ARHQ product page
- Current rate
- Available
A0039E
OptiBlend Income
- Coverage
- ARHQ product page
- Current rate
- Available
A0000X
Lincoln Select
- Coverage
- ARHQ product page
- Current rate
- Available
A0000U
MYGuarantee Plus
- Coverage
- ARHQ product page
- Current rate
- Available
A00249
MYGuarantee Plus Class
- Coverage
- ARHQ product page
- Current rate
- Available
Important Notes
Items that may differ from older reviews, cached pages, or carrier materials.
Lincoln Financial mixes FIA income pages, accumulation pages, and MYGA products. The product page is the safest place to read rider and term detail.
FlexAdvantage, OptiBlend, and MYGuarantee variants are kept as separate product pages when the mapped data treats them separately.
Ranked screens may show fewer products after state, premium, product type, strategy, and ranking filters.
Similar product names stay on separate pages when the data maps them as distinct products or contract versions.
Source Links
Carrier and ARHQ product pages used for this profile.
Browse
Lincoln Financial Product Families
Product-list pages carry the full tables, filters, and detail links.
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