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Fixed Indexed Annuity

Lincoln FlexAdvantage Income 7 Access

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 tuned for liquidity — softer first-year surrender charge and a stronger fixed-account floor than the standard FlexAdvantage Income — built around the same Lincoln ProtectedPay Select GLWB rider family on a narrower index menu.

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

Best fit

Buyers who want the Lincoln ProtectedPay Select GLWB rider but value a softer first-year surrender charge and a higher fixed-account floor more than the broader index menu on the standard FlexAdvantage Income.

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

4.35% cap rate

Fixed Account

Fixed Account

3.1% declared rate

+ 1 volatility-controlled index option (Capital Group)

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

  • Same Lincoln ProtectedPay Select rider family as the standard FlexAdvantage Income (base, Estate Lock, and Market Select variants, in two fee tiers each), so a buyer keeps the full rider menu while picking up the 7-Access tweaks.
  • Fixed-account guaranteed-minimum interest rate on this filing is materially higher than the standard FlexAdvantage Income, giving the fixed account a stronger floor for buyers who park part of the contract there.
  • Surrender ladder opens at a lower first-year charge than the standard FlexAdvantage Income, so the early-year exit penalty is somewhat softer.
  • 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.

What to confirm

  • The 7-Access variant trims the index menu down to S&P 500 strategies plus the Capital Group Dividend Value ETF — a narrower menu than the standard FlexAdvantage Income. Buyers who want exposure to the Nasdaq Priva or S&P 500 Daily Risk Control indexes should look at the standard FlexAdvantage Income instead.
  • 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, and do not assume an earlier income start.
  • There is no premium bonus on this contract, and the filing is not available in California or New York.

Not ideal for

Buyers who want the broader Nasdaq Priva or S&P 500 Daily Risk Control index menu (compare standard FlexAdvantage Income), do not want to pay an annual rider fee for lifetime income (compare the rider-free FlexAdvantage), expect a premium bonus, or live in California or New York.

All crediting strategies

View rate listings (12 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: 33% · 1-yr

S&P 500 Index

participation

7-yr surrender

Par: 33% · 1-yr

Capital Group Dividend Value ETF

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

Cap: 4.35% · 7-yr

S&P 500 Index

7 Year Lock · cap

7-yr surrender

Par: 100% + Fixed: 4.7% · 1-yr

S&P 500 Index

Par: 33% · 1-yr

S&P 500 Index

Par: 33% · 1-yr

Capital Group Dividend Value ETF

Cap: 5.1% · 1-yr

S&P 500 Index

Fixed: 3.1% · 1-yr

Fixed Account

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): 1.40%

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

8%

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 7 Access currently shows 6 distinct indexed or fixed crediting choices across 12 current rate listings, including S&P 500 Index, with 1 volatility-controlled index option 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 Index: 33% 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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