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Fixed Indexed Annuity

OptiBlend

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 OptiBlend 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
$309,222
Est. value at age 80 (OptiBlend)
9.5%
Best S&P 500 1-yr point-to-point cap
S&P 500 Index — 9.5% 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 OptiBlend's published cap rate (9.5% 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 OptiBlend 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 OptiBlend

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 nine-year-surrender fixed indexed annuity from an A-rated Lincoln Financial carrier, built for long-horizon index-linked accumulation across the broadest strategy and index menu on Lincoln's FIA shelf, with no income rider and no premium bonus.

1-year term10-year surrender$100,000+AdvisorWorld + CANNEX data

Best fit

Buyers committed to a full nine-year FIA deferral who want index-linked accumulation across a broad menu of recognizable benchmark, ETF, and volatility-controlled indexes, and do not need a guaranteed lifetime-income rider.

AM Best

A Excellent

Surrender options

5, 7, and 10 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

9.1% cap rate

Annual cap

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

Rate varies by premium band.

S&P 500

S&P 500 Index

9.25% cap rate

Annual cap

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

Rate varies by premium band.

S&P 500

S&P 500 Index

9.5% cap rate

Annual cap

1-year term · 10-year surrender · $100,000+

Rate varies by premium band.

S&P 500

S&P 500 Index

7.55% 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

6.75% trigger rate

Performance trigger

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

Rate varies by premium band.

S&P 500

S&P 500 Index

7.6% 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

6.75% trigger rate

Performance trigger

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

Rate varies by premium band.

S&P 500

S&P 500 Index

7.6% trigger rate

Performance trigger

1-year term · 10-year surrender · $100,000+

Rate varies by premium band.

S&P 500

S&P 500 Index

Dual Trigger

7% trigger rate

Performance trigger

1-year term · 10-year surrender · $100,000+

Rate varies by premium band.

S&P 500

S&P 500 Index

52% participation rate

Participation

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 · 10-year surrender · $100,000+

Rate varies by premium band.

S&P 500

S&P 500 Index

5 Year Lock

7.6% cap rate

Annual cap

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

Rate varies by premium band.

S&P 500

S&P 500 Index

5 Year Lock

7.7% cap rate

Annual cap

5-year term · 10-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

82% participation rate

Participation

5-year term · 10-year surrender · $100,000+

Rate varies by premium band.

S&P 500

S&P 500 Index

7 Year Lock

7.1% cap rate

Annual cap

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

Rate varies by premium band.

S&P 500

S&P 500 Index

80% participation rate

Participation

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

Rate varies by premium band.

Fixed Account

Fixed Account

4.55% declared rate

Fixed account

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

Rate varies by premium band.

Fixed Account

Fixed Account

4.6% declared rate

Fixed account

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

Rate varies by premium band.

Fixed Account

Fixed Account

4.5% declared rate

Fixed account

1-year term · 10-year surrender · $100,000+

Rate varies by premium band.

+ 30 additional crediting options (S&P 500, Nasdaq Priva, Capital Group...)

Product analyst notes

How to think about this contract

Why it can stand out

  • Nine-year surrender ladder is the longest on Lincoln's accumulation-FIA shelf, so the contract is designed for buyers who can commit capital for a full nine years.
  • 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 mix like-for-like cap comparison with higher-participation alternatives.
  • Multiple crediting designs are offered on the same S&P 500 exposure — annual point-to-point cap, participation, and a fixed-rate trigger — so a buyer can pick the mechanic that best fits their view of the index.
  • 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

  • OptiBlend 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 files a separate income-bearing sibling (OptiBlend Income) for buyers wanting an optional GLWB; compare that contract if income is the goal.
  • Nine years is at the long end of the FIA surrender spectrum, with a first-year surrender charge in the high single digits that does not drop into the low single digits until late in the schedule. Buyers who do not need a full nine-year deferral should compare a shorter-surrender FIA first.
  • There is no premium bonus on this contract — every dollar of upside has to come from the index strategies themselves, with no first-year credit to offset the long surrender term.
  • Three of the four non-fixed indexes (Capital Group Dividend Value ETF, S&P 500 Daily Risk Control, Nasdaq Priva) are proprietary or volatility-controlled benchmarks, and caps/participation can reset down toward the very low guaranteed-minimum floor across the nine-year 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 (look at OptiBlend Income instead), want a shorter surrender commitment (compare OptiBlend Advisory 5 or Core Capital), expect a premium bonus, or live in New York.

Free Comparison Report

Get an OptiBlend rate report

See how OptiBlend 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 (129 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: 110% · 1-yr

Nasdaq Priva Index

participation

5-yr surrender$100,000+

Trigger: 9.55% · 1-yr

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

trigger

5-yr surrender$100,000+

Cap: 9.25% · 1-yr

S&P 500 Index

cap

5-yr surrender$100,000+

Trigger: 7.6% · 1-yr

S&P 500 Index

trigger

5-yr surrender$100,000+

Fixed: 4.6% · 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: 8.35% · 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: 7.6% · 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: 45% · 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

Cap: 7.75% · 1-yr

S&P 500 Index

cap

5-yr surrenderUp to $99,999.99

Fixed: 3.85% · 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: 6.85% · 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: 70% · 5-yr

S&P 500 Index

participation

5-yr surrenderUp to $99,999.99

Cap: 6.6% · 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

Capital Group Dividend Value ETF

participation

7-yr surrender$100,000+

Par: 52% · 1-yr

S&P 500 Index

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: 9.1% · 1-yr

S&P 500 Index

cap

7-yr surrender$100,000+

Trigger: 7.55% · 1-yr

S&P 500 Index

trigger

7-yr surrender$100,000+

Trigger: 6.75% · 1-yr

S&P 500 Index

Dual Trigger · trigger

7-yr surrender$100,000+

Fixed: 4.55% · 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: 7.85% · 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: 7.1% · 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: 50% · 1-yr

Capital Group Dividend Value ETF

participation

7-yr surrenderUp to $99,999.99

Par: 48% · 1-yr

S&P 500 Index

participation

7-yr surrenderUp to $99,999.99

Trigger: 8.5% · 1-yr

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

trigger

7-yr surrenderUp to $99,999.99

Cap: 8% · 1-yr

S&P 500 Index

cap

7-yr surrenderUp to $99,999.99

Trigger: 6.75% · 1-yr

S&P 500 Index

trigger

7-yr surrenderUp to $99,999.99

Trigger: 6% · 1-yr

S&P 500 Index

Dual Trigger · trigger

7-yr surrenderUp to $99,999.99

Fixed: 3.9% · 1-yr

Fixed Account

fixed

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: 6.5% · 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: 6.35% · 7-yr

S&P 500 Index

7 Year Lock · cap

7-yr surrenderUp to $99,999.99

Par: 122% · 1-yr

Nasdaq Priva Index

participation

10-yr surrender$100,000+

Par: 55% · 1-yr

S&P 500 Index

participation

10-yr surrender$100,000+

Cap: 9.5% · 1-yr

S&P 500 Index

cap

10-yr surrender$100,000+

Trigger: 7% · 1-yr

S&P 500 Index

Dual Trigger · trigger

10-yr surrender$100,000+

Fixed: 4.5% · 1-yr

Fixed Account

fixed

10-yr surrender$100,000+

Par: 170% · 5-yr

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

participation

10-yr surrender$100,000+

Par: 82% · 5-yr

S&P 500 Index

participation

10-yr surrender$100,000+

Cap: 7.7% · 5-yr

S&P 500 Index

5 Year Lock · cap

10-yr surrender$100,000+

Par: 50% · 1-yr

S&P 500 Index

participation

10-yr surrenderUp to $99,999.99

Trigger: 8.55% · 1-yr

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

trigger

10-yr surrenderUp to $99,999.99

Cap: 8.25% · 1-yr

S&P 500 Index

cap

10-yr surrenderUp to $99,999.99

Trigger: 7% · 1-yr

S&P 500 Index

trigger

10-yr surrenderUp to $99,999.99

Par: 160% · 5-yr

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

participation

10-yr surrenderUp to $99,999.99

Par: 75% · 5-yr

S&P 500 Index

participation

10-yr surrenderUp to $99,999.99

Cap: 7.05% · 5-yr

S&P 500 Index

5 Year Lock · cap

10-yr surrenderUp to $99,999.99

Par: 160% · 7-yr

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

Point-to-point

$100,000+

Par: 100% + Declared: 7.25% · 7-yr

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

7 Year Lock · Performance trigger

$100,000+

Par: 75% · 7-yr

S&P 500 Index

Point-to-point

$100,000+

Cap: 6.5% · 7-yr

S&P 500 Index

7 Year Lock · Point-to-point

$100,000+

Par: 110% · 1-yr

Nasdaq Priva Index

Point-to-point

Other state rate set 7502$100,000+

Par: 50% · 1-yr

S&P 500 Index

Point-to-point

Other state rate set 7502$100,000+

Par: 50% · 1-yr

Capital Group Dividend Value ETF

Point-to-point

Other state rate set 7502$100,000+

Trigger: 9.25% · 1-yr

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

Performance trigger

Other state rate set 7502$100,000+

Cap: 9% · 1-yr

S&P 500 Index

Point-to-point

Other state rate set 7502$100,000+

Trigger: 7.25% · 1-yr

S&P 500 Index

Performance trigger

Other state rate set 7502$100,000+

Trigger: 6.5% · 1-yr

S&P 500 Index

Dual Trigger · Performance trigger

Other state rate set 7502$100,000+

Fixed: 4.5% · 1-yr

Fixed Account

Fixed account

Other state rate set 7502$100,000+

Par: 150% · 5-yr

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

Point-to-point

Other state rate set 7502$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

Other state rate set 7502$100,000+

Par: 75% · 5-yr

S&P 500 Index

Point-to-point

Other state rate set 7502$100,000+

Cap: 7.5% · 5-yr

S&P 500 Index

5 Year Lock · Point-to-point

Other state rate set 7502$100,000+

Par: 90% · 1-yr

Nasdaq Priva Index

Point-to-point

Other state rate set 7502Up to $99,999.99

Par: 40% · 1-yr

S&P 500 Index

Point-to-point

Other state rate set 7502Up to $99,999.99

Par: 40% · 1-yr

Capital Group Dividend Value ETF

Point-to-point

Other state rate set 7502Up to $99,999.99

Trigger: 7.75% · 1-yr

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

Performance trigger

Other state rate set 7502Up to $99,999.99

Cap: 7.25% · 1-yr

S&P 500 Index

Point-to-point

Other state rate set 7502Up to $99,999.99

Trigger: 6% · 1-yr

S&P 500 Index

Performance trigger

Other state rate set 7502Up to $99,999.99

Trigger: 5.25% · 1-yr

S&P 500 Index

Dual Trigger · Performance trigger

Other state rate set 7502Up to $99,999.99

Fixed: 3.3% · 1-yr

Fixed Account

Fixed account

Other state rate set 7502Up to $99,999.99

Par: 130% · 5-yr

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

Point-to-point

Other state rate set 7502Up to $99,999.99

Par: 100% + Declared: 5.75% · 5-yr

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

5 Year Lock · Performance trigger

Other state rate set 7502Up to $99,999.99

Par: 55% · 5-yr

S&P 500 Index

Point-to-point

Other state rate set 7502Up to $99,999.99

Cap: 5.5% · 5-yr

S&P 500 Index

5 Year Lock · Point-to-point

Other state rate set 7502Up to $99,999.99

Par: 110% · 1-yr

Nasdaq Priva Index

Point-to-point

Other state rate set 7538$100,000+

Par: 50% · 1-yr

S&P 500 Index

Point-to-point

Other state rate set 7538$100,000+

Par: 50% · 1-yr

Capital Group Dividend Value ETF

Point-to-point

Other state rate set 7538$100,000+

Trigger: 8.75% · 1-yr

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

Performance trigger

Other state rate set 7538$100,000+

Cap: 8.15% · 1-yr

S&P 500 Index

Point-to-point

Other state rate set 7538$100,000+

Trigger: 7% · 1-yr

S&P 500 Index

Performance trigger

Other state rate set 7538$100,000+

Trigger: 6.25% · 1-yr

S&P 500 Index

Dual Trigger · Performance trigger

Other state rate set 7538$100,000+

Fixed: 4.15% · 1-yr

Fixed Account

Fixed account

Other state rate set 7538$100,000+

Par: 95% · 1-yr

Nasdaq Priva Index

Point-to-point

Other state rate set 7538Up to $99,999.99

Par: 45% · 1-yr

S&P 500 Index

Point-to-point

Other state rate set 7538Up to $99,999.99

Par: 45% · 1-yr

Capital Group Dividend Value ETF

Point-to-point

Other state rate set 7538Up to $99,999.99

Trigger: 7.75% · 1-yr

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

Performance trigger

Other state rate set 7538Up to $99,999.99

Cap: 7% · 1-yr

S&P 500 Index

Point-to-point

Other state rate set 7538Up to $99,999.99

Trigger: 6.25% · 1-yr

S&P 500 Index

Performance trigger

Other state rate set 7538Up to $99,999.99

Trigger: 5.5% · 1-yr

S&P 500 Index

Dual Trigger · Performance trigger

Other state rate set 7538Up to $99,999.99

Fixed: 3.25% · 1-yr

Fixed Account

Fixed account

Other state rate set 7538Up to $99,999.99

Par: 115% · 1-yr

Nasdaq Priva Index

Point-to-point

Other state rate set 7574$100,000+

Par: 53% · 1-yr

S&P 500 Index

Point-to-point

Other state rate set 7574$100,000+

Par: 53% · 1-yr

Capital Group Dividend Value ETF

Point-to-point

Other state rate set 7574$100,000+

Trigger: 9.25% · 1-yr

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

Performance trigger

Other state rate set 7574$100,000+

Cap: 8.75% · 1-yr

S&P 500 Index

Point-to-point

Other state rate set 7574$100,000+

Trigger: 7.35% · 1-yr

S&P 500 Index

Performance trigger

Other state rate set 7574$100,000+

Trigger: 6.5% · 1-yr

S&P 500 Index

Dual Trigger · Performance trigger

Other state rate set 7574$100,000+

Fixed: 4.2% · 1-yr

Fixed Account

Fixed account

Other state rate set 7574$100,000+

Par: 170% · 5-yr

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

Point-to-point

Other state rate set 7574$100,000+

Par: 100% + Declared: 8.1% · 5-yr

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

5 Year Lock · Performance trigger

Other state rate set 7574$100,000+

Par: 80% · 5-yr

S&P 500 Index

Point-to-point

Other state rate set 7574$100,000+

Cap: 7.25% · 5-yr

S&P 500 Index

5 Year Lock · Point-to-point

Other state rate set 7574$100,000+

Par: 105% · 1-yr

Nasdaq Priva Index

Point-to-point

Other state rate set 7574Up to $99,999.99

Par: 45% · 1-yr

S&P 500 Index

Point-to-point

Other state rate set 7574Up to $99,999.99

Par: 45% · 1-yr

Capital Group Dividend Value ETF

Point-to-point

Other state rate set 7574Up 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 7574Up to $99,999.99

Cap: 7.5% · 1-yr

S&P 500 Index

Point-to-point

Other state rate set 7574Up to $99,999.99

Trigger: 6.5% · 1-yr

S&P 500 Index

Performance trigger

Other state rate set 7574Up to $99,999.99

Trigger: 5.5% · 1-yr

S&P 500 Index

Dual Trigger · Performance trigger

Other state rate set 7574Up to $99,999.99

Fixed: 3.85% · 1-yr

Fixed Account

Fixed account

Other state rate set 7574Up to $99,999.99

Par: 150% · 5-yr

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

Point-to-point

Other state rate set 7574Up 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

Other state rate set 7574Up to $99,999.99

Par: 70% · 5-yr

S&P 500 Index

Point-to-point

Other state rate set 7574Up to $99,999.99

Cap: 6.5% · 5-yr

S&P 500 Index

5 Year Lock · Point-to-point

Other state rate set 7574Up 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: 6.25% · 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

OptiBlend review notes

Discover the features and benefits of the Lincoln OptiBlend Fixed Indexed Annuity. Learn how it can help you grow and protect your retirement savings.

3.5/5Read review
Nikhil Bhauwala

Common questions about OptiBlend

● Can I lose money in OptiBlend?

A negative index return by itself does not reduce the contract's account value: OptiBlend 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 10 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 OptiBlend's crediting strategies compare?

Use "Compare against" in the analyzer to overlay another current OptiBlend 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

9%

Yr 3

8%

Yr 4

7%

Yr 5

6%

Yr 6

5%

Yr 7

4%

Yr 8

3%

Yr 9

2%

Yr 10

1%

After

0%

Nursing home waiver, Terminal illness waiver, Surrender waivers

Documents

brochure

Lincoln Financial OptiBlend brochure.pdf

Confidence: highReviewed Apr 9, 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

OptiBlend currently shows 86 distinct indexed or fixed crediting choices across 129 displayed rate entries, including S&P 500 Index, with 31 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: 9.1% annual cap
  • S&P 500 Index: 9.25% annual cap
  • S&P 500 Index: 9.5% annual cap
  • S&P 500 Index: 8% 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
  • 10 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 Financial OptiBlend brochure.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 OptiBlend compares for your age, state, premium, and income goals alongside other Lincoln Financial fixed indexed annuity options.

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