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Fixed Indexed Annuity

Optiblend Advisory 5

Lincoln Financial

9%

Best Cap

10%

Free W/D

52

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 28, 2026, based on the latest AdvisorWorld scan of CANNEX data.

S&P 500 annual cap rate

9% cap on S&P 500

The advisory-channel, five-year-surrender filing of Lincoln's OptiBlend chassis from an A-rated carrier, offering the same broad index-strategy menu as the commission-channel OptiBlend on a much shorter surrender ladder, with no income rider and no premium bonus.

1-year termAdvisorWorld + CANNEX data

Best fit

Fee-based advisory clients who want index-linked accumulation on the OptiBlend strategy menu but cannot accept the standard OptiBlend's nine-year surrender lockup, 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

9% cap rate

S&P 500

S&P 500 Index

8.25% cap rate

Rate varies by premium band.

S&P 500

S&P 500 Index

100% participation rate + 7.75% declared rate

S&P 500

S&P 500 Index

100% participation rate + 8.5% declared rate

S&P 500

S&P 500 Index

100% participation rate + 7.25% declared rate

Rate varies by premium band.

S&P 500

S&P 500 Index

100% participation rate + 7.5% declared rate

Rate varies by premium band.

S&P 500

S&P 500 Index

60% participation rate

S&P 500

S&P 500 Index

50% participation rate

Rate varies by premium band.

S&P 500

S&P 500 Index

8% cap rate

S&P 500

S&P 500 Index

7% cap rate

Rate varies by premium band.

S&P 500

S&P 500 Index

80% participation rate

S&P 500

S&P 500 Index

75% participation rate

Rate varies by premium band.

Fixed Account

Fixed Account

5% declared rate

Fixed Account

Fixed Account

4.15% declared rate

Rate varies by premium band.

+ 9 volatility-controlled index options (S&P 500, Nasdaq Priva, Capital Group...)

Product analyst notes

How to think about this contract

Why it can stand out

  • Five-year surrender ladder shortens OptiBlend's standard nine-year commitment by four years — the advisory channel typically pairs a fee-based advisor with a shorter surrender footprint, and this filing follows that pattern.
  • Same broad strategy menu as the commission-channel OptiBlend (cap, participation, trigger, uncapped) across the same five indexes, so a fee-based client gets the full strategy shelf without the longer surrender lockup.
  • 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 Advisory 5 is the advisory-channel filing — it is sold through fee-based advisors, not commission-paid agents, and the buyer should understand the channel before comparing it to a commission-channel FIA on a like-for-like basis.
  • OptiBlend Advisory 5 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 index strategies themselves.
  • 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. Participation rates can look high in absolute terms but are not directly comparable to an uncontrolled S&P 500 cap. New York buyers should note that this filing is not available in NY.

Not ideal for

Commission-channel clients (compare the standard OptiBlend), buyers who need a contractually guaranteed GLWB withdrawal rate (look at OptiBlend Income), expect a premium bonus, or live in New York.

All crediting strategies

View rate listings (24 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: 125% · 1-yr

Nasdaq Priva Index

participation

5-yr surrender$100,000+

Par: 100% + Fixed: 7.75% · 1-yr

S&P 500 Index

Dual Trigger · trigger

5-yr surrender$100,000+

Par: 100% + Fixed: 8.5% · 1-yr

S&P 500 Index

trigger

5-yr surrender$100,000+

Par: 100% + Fixed: 10.5% · 1-yr

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

trigger

5-yr surrender$100,000+

Par: 60% · 1-yr

S&P 500 Index

participation

5-yr surrender$100,000+

Par: 60% · 1-yr

Capital Group Dividend Value ETF

participation

5-yr surrender$100,000+

Cap: 9% · 1-yr

S&P 500 Index

cap

5-yr surrender$100,000+

Fixed: 5% · 1-yr

Fixed Account

fixed

5-yr surrender$100,000+

Par: 155% · 5-yr

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

participation

5-yr surrender$100,000+

Par: 100% + Fixed: 8.75% · 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: 8% · 5-yr

S&P 500 Index

5 Year Lock · cap

5-yr surrender$100,000+

Par: 115% · 1-yr

Nasdaq Priva Index

$100,000+

Par: 100% + Fixed: 7.25% · 1-yr

S&P 500 Index

Dual Trigger

$100,000+

Par: 100% + Fixed: 7.5% · 1-yr

S&P 500 Index

$100,000+

Par: 100% + Fixed: 10% · 1-yr

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

$100,000+

Par: 50% · 1-yr

S&P 500 Index

$100,000+

Par: 50% · 1-yr

Capital Group Dividend Value ETF

$100,000+

Cap: 8.25% · 1-yr

S&P 500 Index

$100,000+

Fixed: 4.15% · 1-yr

Fixed Account

$100,000+

Par: 155% · 5-yr

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

$100,000+

Par: 100% + Fixed: 7% · 5-yr

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

5 Year Lock

$100,000+

Par: 75% · 5-yr

S&P 500 Index

$100,000+

Cap: 7% · 5-yr

S&P 500 Index

5 Year Lock

$100,000+

Income riders

Accumulation-focused — no income rider

This contract is designed for tax-deferred accumulation, not guaranteed lifetime income. No GLWB rider was returned because none is part of the contract design — compare against other accumulation FIAs on cap, participation rate, and surrender terms rather than lifetime income.

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.

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

8%

Yr 2

6.4%

Yr 3

4.8%

Yr 4

3.2%

Yr 5

1.6%

After

0%

Nursing home waiver, Terminal illness waiver, Surrender waivers

Documents

brochure

Lincoln Financial Optiblend Advisory 5 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 Advisory 5 currently shows 18 distinct indexed or fixed crediting choices across 24 current rate listings, including S&P 500 Index and S&P 500 Daily Risk Control 10% USD Excess Return Index, with 4 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: 9% cap
  • S&P 500 Index: 8.25% cap
  • S&P 500 Index: 100% participation

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 Financial Optiblend Advisory 5 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

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