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Fixed Indexed Annuity

Lincoln FlexAdvantage

Lincoln Financial

8.75%

Best Cap

10%

Free W/D

52

Jurisdictions

Product data status: May 29, 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.

Live product data

Rates as of May 29, 2026, based on the latest AdvisorWorld scan of CANNEX data.

S&P 500 annual cap rate

8.75% 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

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

Rate varies by premium band.

S&P 500

S&P 500 Index

100% participation rate + 7.35% declared rate

S&P 500

S&P 500 Index

100% participation rate + 6.5% declared rate

S&P 500

S&P 500 Index

100% participation rate + 7.5% declared rate

Rate varies by premium band.

S&P 500

S&P 500 Index

100% participation rate + 6.75% declared rate

Rate varies by premium band.

S&P 500

S&P 500 Index

52% participation rate

S&P 500

S&P 500 Index

55% participation rate

Rate varies by premium band.

S&P 500

S&P 500 Index

7.65% cap rate

Rate varies by premium band.

S&P 500

S&P 500 Index

75% participation rate

Rate varies by premium band.

S&P 500

S&P 500 Index

7% cap rate

Rate varies by premium band.

S&P 500

S&P 500 Index

80% participation rate

Rate varies by premium band.

Fixed Account

Fixed Account

4.2% declared rate

Fixed Account

Fixed Account

4.1% declared rate

Rate varies by premium band.

+ 10 volatility-controlled index options (S&P 500, Nasdaq Priva, Capital Group...)

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.

All crediting strategies

View rate listings (32 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: 100% + Fixed: 7.35% · 1-yr

S&P 500 Index

trigger

5-yr surrender$100,000+

Par: 100% + Fixed: 6.5% · 1-yr

S&P 500 Index

Dual Trigger · trigger

5-yr surrender$100,000+

Par: 100% + Fixed: 9% · 1-yr

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

trigger

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: 8.75% · 1-yr

S&P 500 Index

cap

5-yr surrender$100,000+

Fixed: 4.2% · 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% + Fixed: 8% · 5-yr

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

5 Year Lock · trigger

5-yr surrender$100,000+

Par: 75% · 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: 160% · 7-yr

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

participation

7-yr surrender$100,000+

Par: 100% + Fixed: 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: 113% · 1-yr

Nasdaq Priva Index

$100,000+

Par: 100% + Fixed: 7.5% · 1-yr

S&P 500 Index

$100,000+

Par: 100% + Fixed: 6.75% · 1-yr

S&P 500 Index

Dual Trigger

$100,000+

Par: 100% + Fixed: 9.25% · 1-yr

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

$100,000+

Par: 55% · 1-yr

S&P 500 Index

$100,000+

Par: 55% · 1-yr

Capital Group Dividend Value ETF

$100,000+

Cap: 8.75% · 1-yr

S&P 500 Index

$100,000+

Fixed: 4.1% · 1-yr

Fixed Account

$100,000+

Par: 150% · 5-yr

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

$100,000+

Par: 100% + Fixed: 8% · 5-yr

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

5 Year Lock

$100,000+

Par: 75% · 5-yr

S&P 500 Index

$100,000+

Cap: 7.65% · 5-yr

S&P 500 Index

5 Year Lock

$100,000+

Par: 160% · 7-yr

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

$100,000+

Par: 100% + Fixed: 8% · 7-yr

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

7 Year Lock

$100,000+

Par: 80% · 7-yr

S&P 500 Index

$100,000+

Cap: 7% · 7-yr

S&P 500 Index

7 Year Lock

$100,000+

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

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 19 distinct indexed or fixed crediting choices across 32 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: 8.75% cap
  • S&P 500 Index: 100% participation
  • S&P 500 Daily Risk Control 10% USD Excess Return Index: 100% participation

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

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