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Fixed Indexed Annuity

Lincoln FlexAdvantage Income

Lincoln Financial

5.1%

Best Cap

10%

Free W/D

51

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.

Lincoln ProtectedPay Select GLWB withdrawal rate

6.3% lifetime payout

A seven-year-surrender Lincoln Financial FIA built around the Lincoln ProtectedPay Select GLWB rider family, offering optional lifetime income on top of a broad index-linked accumulation chassis, from an A-rated carrier with three-agency strength coverage.

1.1% annual rider feeRMD-friendly income ridersAdvisorWorld + CANNEX data

Best fit

Buyers who want a contractually guaranteed optional GLWB withdrawal rate from an A-rated carrier, can stomach the annual rider fee, and are picking the income mechanic (base vs. Market Select vs. Estate Lock) deliberately rather than accepting a default.

AM Best

A Excellent

Surrender period

7 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

5.1% cap rate

S&P 500

S&P 500 Index

100% participation rate + 4.7% declared rate

S&P 500

S&P 500 Index

33% participation rate

S&P 500

S&P 500 Index

4.4% cap rate

S&P 500

S&P 500 Index

4.35% cap rate

Fixed Account

Fixed Account

3.1% declared rate

+ 5 volatility-controlled index options (Nasdaq Priva, Capital Group, S&P 500...)

Lifetime Income Riders

Income rider

Lincoln ProtectedPay Select

RMD friendly
Lifetime payout rate6.3% lifetime payout
Annual rider fee1.1% annual rider fee

Product analyst notes

How to think about this contract

Why it can stand out

  • Lincoln ProtectedPay Select is offered in two fee tiers (base level and a higher-fee tier that buys a richer rider mechanic), so a buyer can choose how much annual rider fee to spend for income certainty.
  • 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.
  • A Market-linked Lincoln ProtectedPay Select variant is also offered, letting a buyer choose between a more conservative rider mechanic and a market-participation rider on the same chassis.
  • 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

  • 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 from this contract.
  • All ProtectedPay Select riders on the live feed open at issue age 59, so this contract does not solve for an income start before that age. Confirm the rider's deferral mechanic before treating any deferred bonus as a guarantee.
  • There is no premium bonus on the underlying contract — the income side is funded by the rider's withdrawal-base mechanic, not by a bonus on day one. Buyers expecting a bonus-led income FIA should compare against bonus-bearing income filings.
  • This filing is not available in California or New York.

Not ideal for

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

All crediting strategies

View rate listings (22 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: 100% + Fixed: 4.7% · 1-yr

S&P 500 Index

trigger

7-yr surrender

Par: 100% + Fixed: 5.95% · 1-yr

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

trigger

7-yr surrender

Par: 70% · 1-yr

Capital Group Dividend Value ETF

participation

7-yr surrender

Par: 33% · 1-yr

Nasdaq Priva Index

participation

7-yr surrender

Par: 33% · 1-yr

S&P 500 Index

participation

7-yr surrender

Cap: 5.1% · 1-yr

S&P 500 Index

cap

7-yr surrender

Fixed: 3.1% · 1-yr

Fixed Account

fixed

7-yr surrender

Par: 100% + Fixed: 5.2% · 7-yr

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

7 Year Lock · trigger

7-yr surrender

Cap: 4.35% · 7-yr

S&P 500 Index

7 Year Lock · cap

7-yr surrender

Par: 100% + Fixed: 5.25% · 5-yr

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

5 Year Lock · trigger

10-yr surrender

Cap: 4.4% · 5-yr

S&P 500 Index

5 Year Lock · cap

10-yr surrender

Par: 100% + Fixed: 4.7% · 1-yr

S&P 500 Index

Par: 100% + Fixed: 5.95% · 1-yr

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

Par: 70% · 1-yr

Capital Group Dividend Value ETF

Par: 33% · 1-yr

Nasdaq Priva Index

Par: 33% · 1-yr

S&P 500 Index

Cap: 5.1% · 1-yr

S&P 500 Index

Fixed: 3.1% · 1-yr

Fixed Account

Par: 100% + Fixed: 5.25% · 5-yr

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

5 Year Lock

Cap: 4.4% · 5-yr

S&P 500 Index

5 Year Lock

Par: 100% + Fixed: 5.2% · 7-yr

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

7 Year Lock

Cap: 4.35% · 7-yr

S&P 500 Index

7 Year Lock

Income riders

Income rider

Lincoln ProtectedPay Select

RMD friendly
Lifetime withdrawal rate6.3%
Annual rider fee1.1%
Withdrawal-base growthNot shown
Deferral assumed0 years
Issue age59 — 120

GLWB

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

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

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

Lincoln FlexAdvantage Income currently shows 11 distinct indexed or fixed crediting choices across 22 current rate listings, including S&P 500 Index and S&P 500 Daily Risk Control 10% USD Excess Return Index, with 2 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: 5.1% cap
  • S&P 500 Index: 100% participation
  • S&P 500 Daily Risk Control 10% USD Excess Return 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
  • RMD friendly

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

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

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