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Fixed Indexed Annuity

Lincoln Set 5 II

Lincoln Financial

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8.75%

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 Set 5 II 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
$303,603
Est. value at age 80 (Lincoln Set 5 II)
8.75%
Best S&P 500 1-yr point-to-point cap
S&P 500 Index — 8.75% 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 Set 5 II's published cap rate (8.75% 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 Set 5 II 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 Set 5 II

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

8.75% cap on S&P 500

A five-year-surrender fixed indexed annuity from an A-rated Lincoln Financial carrier, built for index-linked accumulation on a deliberately narrow S&P 500-based strategy menu (cap, trigger, Risk Control variant), with a higher-than-typical trigger floor and no income rider.

1-year term5-year surrender$100,000+AdvisorWorld + CANNEX data

Best fit

Buyers who want a five-year FIA commitment on a small, recognizable S&P 500 strategy menu with a stronger guaranteed-minimum trigger floor, and do not need a guaranteed lifetime-income rider built into the contract.

AM Best

A Excellent

Surrender period

5 years

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

Annual cap

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

Rate varies by premium band.

S&P 500

S&P 500 Index

7.5% 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

6.5% trigger rate

Performance trigger

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

Rate varies by premium band.

S&P 500

S&P 500 Index

5 Year Lock

7.5% cap rate

Annual cap

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

Rate varies by premium band.

Fixed Account

Fixed Account

4.3% declared rate

Fixed account

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

Rate varies by premium band.

+ 4 additional crediting options (S&P 500...)

Product analyst notes

How to think about this contract

Why it can stand out

  • Five-year surrender ladder is at the short end of Lincoln's FIA shelf, so the surrender commitment is markedly shorter than FlexAdvantage's seven-year or OptiBlend's nine-year ladders.
  • Strategy menu is intentionally narrow — S&P 500 cap, S&P 500 fixed-trigger, and an S&P 500 Daily Risk Control strategy plus a fixed account — so a buyer is not asked to evaluate proprietary ETF or sector indexes alongside the core S&P.
  • Guaranteed-minimum declared rate on the trigger strategy floors higher on this contract than on the rest of Lincoln's FIA shelf — a stronger floor for buyers who use the trigger crediting design.
  • 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.

What to confirm

  • Lincoln SET 5 II 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. Do not compare its payout side-by-side with a rider-led income FIA.
  • There is no premium bonus on this contract — every dollar of upside has to come from the cap, trigger, and fixed-account strategies themselves.
  • The strategy menu does not include a participation-rate strategy, so buyers who want the higher-participation upside available on other Lincoln FIAs (OptiBlend, FlexAdvantage) should compare those before locking in.
  • The S&P 500 Daily Risk Control strategy uses a volatility-controlled excess-return version of the index, not the spot S&P. Caps and participation rates can also reset down toward the guaranteed-minimum floor across the surrender term. 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, want a participation-rate strategy or exposure to ETF/sector indexes, expect a premium bonus, or live in New York.

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See how Lincoln Set 5 II 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 (28 strategies)

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

Trigger: 8.75% · 1-yr

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

trigger

5-yr surrender$100,000+

Cap: 8.75% · 1-yr

S&P 500 Index

cap

5-yr surrender$100,000+

Trigger: 7.5% · 1-yr

S&P 500 Index

trigger

5-yr surrender$100,000+

Trigger: 6.5% · 1-yr

S&P 500 Index

Dual Trigger · trigger

5-yr surrender$100,000+

Fixed: 4.3% · 1-yr

Fixed Account

fixed

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+

Cap: 7.5% · 5-yr

S&P 500 Index

5 Year Lock · cap

5-yr surrender$100,000+

Trigger: 7.75% · 1-yr

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

trigger

5-yr surrenderUp to $99,999.99

Cap: 7.5% · 1-yr

S&P 500 Index

cap

5-yr surrenderUp to $99,999.99

Trigger: 6.5% · 1-yr

S&P 500 Index

trigger

5-yr surrenderUp to $99,999.99

Trigger: 5.5% · 1-yr

S&P 500 Index

Dual Trigger · trigger

5-yr surrenderUp to $99,999.99

Fixed: 3.75% · 1-yr

Fixed Account

fixed

5-yr surrenderUp to $99,999.99

Par: 100% + Declared: 6.25% · 5-yr

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

5 Year Lock · trigger

5-yr surrenderUp to $99,999.99

Cap: 6.25% · 5-yr

S&P 500 Index

5 Year Lock · cap

5-yr surrenderUp to $99,999.99

Trigger: 8.5% · 1-yr

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

Performance trigger

$100,000+

Cap: 7.75% · 1-yr

S&P 500 Index

Point-to-point

$100,000+

Trigger: 7% · 1-yr

S&P 500 Index

Performance trigger

$100,000+

Trigger: 6% · 1-yr

S&P 500 Index

Dual Trigger · Performance trigger

$100,000+

Fixed: 3.1% · 1-yr

Fixed Account

Fixed account

$100,000+

Par: 100% + Declared: 7.5% · 5-yr

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

5 Year Lock · Performance trigger

$100,000+

Cap: 6.25% · 5-yr

S&P 500 Index

5 Year Lock · Point-to-point

$100,000+

Trigger: 7% · 1-yr

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

Performance trigger

Up to $99,999.99

Cap: 6.25% · 1-yr

S&P 500 Index

Point-to-point

Up to $99,999.99

Trigger: 5.75% · 1-yr

S&P 500 Index

Performance trigger

Up to $99,999.99

Trigger: 5.5% · 1-yr

S&P 500 Index

Dual Trigger · Performance trigger

Up to $99,999.99

Fixed: 3% · 1-yr

Fixed Account

Fixed account

Up to $99,999.99

Par: 100% + Declared: 6.25% · 5-yr

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

5 Year Lock · Performance trigger

Up to $99,999.99

Cap: 5.5% · 5-yr

S&P 500 Index

5 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.

Common questions about Lincoln Set 5 II

● Can I lose money in Lincoln Set 5 II?

A negative index return by itself does not reduce the contract's account value: Lincoln Set 5 II 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 5 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 Set 5 II's crediting strategies compare?

Use "Compare against" in the analyzer to overlay another current Lincoln Set 5 II 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

2.00%

Minimum guaranteed declared rate for declared-rate or performance-trigger strategies.

Fixed account guarantee

1.00%

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%

After

0%

Nursing home waiver, Terminal illness waiver, Surrender waivers

Documents

brochure

Lincoln Set 5 II brochure pdf.pdf

Confidence: highReviewed Apr 15, 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 Set 5 II currently shows 15 distinct indexed or fixed crediting choices across 28 displayed rate entries, including S&P 500 Index, with 2 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: 8.75% annual cap
  • S&P 500 Index: 7.5% annual cap
  • S&P 500 Index: 6.25% annual point-to-point cap
  • S&P 500 Index: 7.75% annual point-to-point 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
  • 5 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 Lincoln Set 5 II brochure pdf.pdf help explain the contract language behind the data on this page; the latest document activity we see is Apr 24, 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

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See how Lincoln Set 5 II compares for your age, state, premium, and income goals alongside other Lincoln Financial fixed indexed annuity options.

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