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Fixed Indexed Annuity

Lincoln FlexAdvantage

Lincoln Financial

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9.5%

Best S&P 500 Annual Cap

10%

Free W/D

52

Available jurisdictions

Product data status: July 16, 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 FlexAdvantage 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 July 16, 2026; not a projection or guarantee.
Crediting strategy
Compare against
$308,376
Est. value at age 80 (Lincoln FlexAdvantage)
9.5%
Best S&P 500 1-yr point-to-point cap
S&P 500 Index — 9.35% Cap (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 Lincoln FlexAdvantage's published cap rate (9.35% 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 July 16, 2026.

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See how Lincoln FlexAdvantage 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 FlexAdvantage

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

Live product data

Rates as of July 16, 2026, from AdvisorWorld and CANNEX.

S&P 500 annual cap rate

9.5% 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 term5-year surrender$100,000+AdvisorWorld + 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

Surrender options

5 and 7 years

Free withdrawal

10%/yr

Availability

52 jurisdictions (excl. New York)

Featured crediting strategies

Featured strategies use the selected state's rates. The full listing below labels other CANNEX state-rate variants separately.

Index / strategyRate mechanics

S&P 500

S&P 500 Index

9.5% cap rate

Annual cap

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

Rate varies by premium band.

S&P 500

S&P 500 Index

9.35% cap rate

Annual cap

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

Rate varies by premium band.

S&P 500

S&P 500 Index

7.75% trigger rate

Performance trigger

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

Rate varies by premium band.

S&P 500

S&P 500 Index

Dual Trigger

7.25% trigger rate

Performance trigger

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

Rate varies by premium band.

S&P 500

S&P 500 Index

7.8% trigger rate

Performance trigger

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

Rate varies by premium band.

S&P 500

S&P 500 Index

Dual Trigger

7.25% trigger rate

Performance trigger

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

Rate varies by premium band.

S&P 500

S&P 500 Index

52% participation rate

Participation

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

Rate varies by premium band.

S&P 500

S&P 500 Index

55% participation rate

Participation

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

Rate varies by premium band.

S&P 500

S&P 500 Index

5 Year Lock

7.75% cap rate

Annual cap

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

Rate varies by premium band.

S&P 500

S&P 500 Index

80% participation rate

Participation

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

Rate varies by premium band.

S&P 500

S&P 500 Index

7 Year Lock

7% cap rate

Annual cap

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

Rate varies by premium band.

S&P 500

S&P 500 Index

82% participation rate

Participation

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

Rate varies by premium band.

Fixed Account

Fixed Account

4.8% declared rate

Fixed account

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

Rate varies by premium band.

Fixed Account

Fixed Account

4.6% declared rate

Fixed account

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

Rate varies by premium band.

+ 20 additional crediting 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 contract 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 contract 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.

Free Comparison Report

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See how Lincoln FlexAdvantage 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 (93 strategies)

These are the current crediting strategies available for this product. Use the filters to narrow by index, term, premium band, state rate set, or rate type.

Par: 115% · 1-yr

Nasdaq Priva Index

participation

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: 9.5% · 1-yr

S&P 500 Index

cap

5-yr surrender$100,000+

Trigger: 9.35% · 1-yr

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

trigger

5-yr surrender$100,000+

Trigger: 7.75% · 1-yr

S&P 500 Index

trigger

5-yr surrender$100,000+

Trigger: 7.25% · 1-yr

S&P 500 Index

Dual Trigger · trigger

5-yr surrender$100,000+

Fixed: 4.8% · 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% + Declared: 8% · 5-yr

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

5 Year Lock · trigger

5-yr surrender$100,000+

Par: 80% · 5-yr

S&P 500 Index

participation

5-yr surrender$100,000+

Cap: 7.75% · 5-yr

S&P 500 Index

5 Year Lock · cap

5-yr surrender$100,000+

Par: 95% · 1-yr

Nasdaq Priva Index

participation

5-yr surrenderUp to $99,999.99

Par: 49% · 1-yr

S&P 500 Index

participation

5-yr surrenderUp to $99,999.99

Par: 45% · 1-yr

Capital Group Dividend Value ETF

participation

5-yr surrenderUp to $99,999.99

Trigger: 8.75% · 1-yr

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

trigger

5-yr surrenderUp to $99,999.99

Cap: 8.5% · 1-yr

S&P 500 Index

cap

5-yr surrenderUp to $99,999.99

Trigger: 7% · 1-yr

S&P 500 Index

trigger

5-yr surrenderUp to $99,999.99

Trigger: 6.75% · 1-yr

S&P 500 Index

Dual Trigger · trigger

5-yr surrenderUp to $99,999.99

Fixed: 4% · 1-yr

Fixed Account

fixed

5-yr surrenderUp to $99,999.99

Par: 140% · 5-yr

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

participation

5-yr surrenderUp to $99,999.99

Par: 100% + Declared: 6.75% · 5-yr

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

5 Year Lock · trigger

5-yr surrenderUp to $99,999.99

Par: 65% · 5-yr

S&P 500 Index

participation

5-yr surrenderUp to $99,999.99

Cap: 6.75% · 5-yr

S&P 500 Index

5 Year Lock · cap

5-yr surrenderUp to $99,999.99

Par: 113% · 1-yr

Nasdaq Priva Index

participation

7-yr surrender$100,000+

Par: 55% · 1-yr

S&P 500 Index

participation

7-yr surrender$100,000+

Par: 55% · 1-yr

Capital Group Dividend Value ETF

participation

7-yr surrender$100,000+

Trigger: 9.5% · 1-yr

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

trigger

7-yr surrender$100,000+

Cap: 9.35% · 1-yr

S&P 500 Index

cap

7-yr surrender$100,000+

Trigger: 7.8% · 1-yr

S&P 500 Index

trigger

7-yr surrender$100,000+

Fixed: 4.6% · 1-yr

Fixed Account

fixed

7-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% + Declared: 8% · 7-yr

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

7 Year Lock · trigger

7-yr surrender$100,000+

Par: 82% · 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: 100% · 1-yr

Nasdaq Priva Index

participation

7-yr surrenderUp to $99,999.99

Par: 51% · 1-yr

S&P 500 Index

participation

7-yr surrenderUp to $99,999.99

Par: 50% · 1-yr

Capital Group Dividend Value ETF

participation

7-yr surrenderUp to $99,999.99

Trigger: 9% · 1-yr

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

trigger

7-yr surrenderUp to $99,999.99

Cap: 8.55% · 1-yr

S&P 500 Index

cap

7-yr surrenderUp to $99,999.99

Trigger: 7.25% · 1-yr

S&P 500 Index

trigger

7-yr surrenderUp to $99,999.99

Par: 150% · 7-yr

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

participation

7-yr surrenderUp to $99,999.99

Par: 100% + Declared: 7.4% · 7-yr

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

7 Year Lock · trigger

7-yr surrenderUp to $99,999.99

Par: 70% · 7-yr

S&P 500 Index

participation

7-yr surrenderUp to $99,999.99

Cap: 6.25% · 7-yr

S&P 500 Index

7 Year Lock · cap

7-yr surrenderUp to $99,999.99

Par: 150% · 5-yr

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

Point-to-point

$100,000+

Par: 100% + Declared: 8% · 5-yr

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

5 Year Lock · Performance trigger

$100,000+

Par: 80% · 5-yr

S&P 500 Index

Point-to-point

$100,000+

Cap: 7.75% · 5-yr

S&P 500 Index

5 Year Lock · Point-to-point

$100,000+

Par: 160% · 7-yr

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

Point-to-point

$100,000+

Par: 100% + Declared: 8% · 7-yr

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

7 Year Lock · Performance trigger

$100,000+

Par: 82% · 7-yr

S&P 500 Index

Point-to-point

$100,000+

Cap: 7% · 7-yr

S&P 500 Index

7 Year Lock · Point-to-point

$100,000+

Par: 115% · 1-yr

Nasdaq Priva Index

Point-to-point

Other state rate set 5343$100,000+

Par: 52% · 1-yr

S&P 500 Index

Point-to-point

Other state rate set 5343$100,000+

Par: 52% · 1-yr

Capital Group Dividend Value ETF

Point-to-point

Other state rate set 5343$100,000+

Cap: 9.5% · 1-yr

S&P 500 Index

Point-to-point

Other state rate set 5343$100,000+

Trigger: 9.35% · 1-yr

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

Performance trigger

Other state rate set 5343$100,000+

Trigger: 7.75% · 1-yr

S&P 500 Index

Performance trigger

Other state rate set 5343$100,000+

Trigger: 7.25% · 1-yr

S&P 500 Index

Dual Trigger · Performance trigger

Other state rate set 5343$100,000+

Fixed: 4.8% · 1-yr

Fixed Account

Fixed account

Other state rate set 5343$100,000+

Par: 95% · 1-yr

Nasdaq Priva Index

Point-to-point

Other state rate set 5343Up to $99,999.99

Par: 45% · 1-yr

S&P 500 Index

Point-to-point

Other state rate set 5343Up to $99,999.99

Par: 40% · 1-yr

Capital Group Dividend Value ETF

Point-to-point

Other state rate set 5343Up to $99,999.99

Trigger: 8% · 1-yr

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

Performance trigger

Other state rate set 5343Up to $99,999.99

Cap: 7.25% · 1-yr

S&P 500 Index

Point-to-point

Other state rate set 5343Up to $99,999.99

Trigger: 6.5% · 1-yr

S&P 500 Index

Performance trigger

Other state rate set 5343Up to $99,999.99

Trigger: 5.25% · 1-yr

S&P 500 Index

Dual Trigger · Performance trigger

Other state rate set 5343Up to $99,999.99

Fixed: 3.4% · 1-yr

Fixed Account

Fixed account

Other state rate set 5343Up to $99,999.99

Par: 113% · 1-yr

Nasdaq Priva Index

Point-to-point

Other state rate set 5376$100,000+

Par: 55% · 1-yr

S&P 500 Index

Point-to-point

Other state rate set 5376$100,000+

Par: 55% · 1-yr

Capital Group Dividend Value ETF

Point-to-point

Other state rate set 5376$100,000+

Trigger: 9.5% · 1-yr

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

Performance trigger

Other state rate set 5376$100,000+

Cap: 9.35% · 1-yr

S&P 500 Index

Point-to-point

Other state rate set 5376$100,000+

Trigger: 7.8% · 1-yr

S&P 500 Index

Performance trigger

Other state rate set 5376$100,000+

Trigger: 7.25% · 1-yr

S&P 500 Index

Dual Trigger · Performance trigger

Other state rate set 5376$100,000+

Fixed: 4.6% · 1-yr

Fixed Account

Fixed account

Other state rate set 5376$100,000+

Par: 100% · 1-yr

Nasdaq Priva Index

Point-to-point

Other state rate set 5376Up to $99,999.99

Par: 50% · 1-yr

S&P 500 Index

Point-to-point

Other state rate set 5376Up to $99,999.99

Par: 45% · 1-yr

Capital Group Dividend Value ETF

Point-to-point

Other state rate set 5376Up to $99,999.99

Trigger: 8.25% · 1-yr

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

Performance trigger

Other state rate set 5376Up to $99,999.99

Cap: 7.25% · 1-yr

S&P 500 Index

Point-to-point

Other state rate set 5376Up to $99,999.99

Trigger: 6.5% · 1-yr

S&P 500 Index

Performance trigger

Other state rate set 5376Up to $99,999.99

Trigger: 5.25% · 1-yr

S&P 500 Index

Dual Trigger · Performance trigger

Other state rate set 5376Up to $99,999.99

Fixed: 3.7% · 1-yr

Fixed Account

Fixed account

Other state rate set 5376Up to $99,999.99

Par: 130% · 5-yr

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

Point-to-point

Up to $99,999.99

Par: 100% + Declared: 6.5% · 5-yr

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

5 Year Lock · Performance trigger

Up to $99,999.99

Par: 60% · 5-yr

S&P 500 Index

Point-to-point

Up to $99,999.99

Cap: 6.25% · 5-yr

S&P 500 Index

5 Year Lock · Point-to-point

Up to $99,999.99

Par: 140% · 7-yr

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

Point-to-point

Up to $99,999.99

Par: 100% + Declared: 6.75% · 7-yr

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

7 Year Lock · Performance trigger

Up to $99,999.99

Par: 65% · 7-yr

S&P 500 Index

Point-to-point

Up to $99,999.99

Cap: 6% · 7-yr

S&P 500 Index

7 Year Lock · Point-to-point

Up to $99,999.99

Accumulation profile

Accumulation-focused contract

Current 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

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

Common questions about Lincoln FlexAdvantage

● Can I lose money in Lincoln FlexAdvantage?

A negative index return by itself does not reduce the contract's account value: Lincoln FlexAdvantage credits 0% — the floor — for that indexed period. The account value can still decrease from applicable rider fees, Performance Rate Rider or other strategy charges, administrative charges, withdrawals, surrender charges, or 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.

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

Up to 10% of your account value each year is penalty-free. The scheduled surrender charges run 7 years; after that the surrender-charge schedule ends. Bonus vesting, market value adjustments when applicable, and other contract rules can still affect the amount available. The Liquidity tab of the analyzer shows the year-by-year surrender charge.

● How do Lincoln FlexAdvantage's crediting strategies compare?

Use "Compare against" in the analyzer to overlay another current Lincoln FlexAdvantage 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

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

8%

Yr 3

7%

Yr 4

6%

Yr 5

5%

Yr 6

4%

Yr 7

3%

After

0%

Nursing home waiver, Terminal illness waiver, Surrender waivers

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 64 distinct indexed or fixed crediting choices across 93 displayed rate entries, including S&P 500 Index, with 27 volatility-controlled index options grouped separately. These choices matter because caps, participation rates, fixed accounts, spreads, renewal terms, and fee-bearing rider variants are different mechanics and should not be ranked as one simple rate list.

  • S&P 500 Index: 9.5% annual cap
  • S&P 500 Index: 9.35% annual cap
  • S&P 500 Index: 8.5% annual cap
  • S&P 500 Index: 8.55% annual 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
  • 7 surrender years
  • 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

Free Comparison Report

Get a Lincoln FlexAdvantage rate report

See how Lincoln FlexAdvantage 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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