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 Income 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 17, 2026; not a projection or guarantee.
Crediting strategy
Compare against
$229,687
Est. value at age 80 (OptiBlend Income)
5.25%
Best S&P 500 1-yr point-to-point cap
S&P 500 Index — 5.25% 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 Income's published cap rate (5.25% 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 17, 2026.
Free Comparison Report
Get an OptiBlend Income rate report
See how OptiBlend Income compares for your age, state, premium, and income goals alongside other Lincoln Financial fixed indexed annuity options.
Current rates, riders, crediting strategies, state availability, and contract facts stay scoped to this Lincoln Financial product.
Live product data
Rates as of July 17, 2026, from AdvisorWorld and CANNEX.
Lincoln ProtectedPay Select GLWB withdrawal rate
6.6% lifetime payout + 10% roll-up
A ten-year-surrender Lincoln Financial FIA on the OptiBlend strategy chassis, built around the Lincoln ProtectedPay Select GLWB rider family, offering optional lifetime income with a longer deferral window than the FlexAdvantage Income siblings.
1.1% annual rider feeAdvisorWorld + CANNEX data
Best fit
Buyers who want a contractually guaranteed optional GLWB withdrawal rate, can commit to a ten-year surrender lockup, value the OptiBlend strategy chassis, and are deliberately picking the rider mechanic (base vs. Market Select vs. Estate Lock) rather than accepting a default.
AM Best
A Excellent
Surrender options
7 and 10 years
Free withdrawal
10%/yr
Availability
51 jurisdictions (excl. California, New York)
Featured crediting strategies
Caps, participation rates, and declared rates are shown separately.
Index / strategyRate mechanicsCreditingSurrenderPremium
S&P 500
S&P 500 Index
5.2% cap rate
Annual cap
1-year term · 7-year surrender · Does not vary by premium
1-year term
7-year surrender
Does not vary by premium
S&P 500
S&P 500 Index
5.25% cap rate
Annual cap
1-year term · 10-year surrender · Does not vary by premium
1-year term
10-year surrender
Does not vary by premium
S&P 500
S&P 500 Index
4.75% trigger rate
Performance trigger
1-year term · 7-year surrender · Does not vary by premium
1-year term
7-year surrender
Does not vary by premium
S&P 500
S&P 500 Index
4.8% trigger rate
Performance trigger
1-year term · 10-year surrender · Does not vary by premium
1-year term
10-year surrender
Does not vary by premium
S&P 500
S&P 500 Index
35% participation rate
Participation
1-year term · 7-year surrender · Does not vary by premium
1-year term
7-year surrender
Does not vary by premium
S&P 500
S&P 500 Index
37% participation rate
Participation
1-year term · 10-year surrender · Does not vary by premium
1-year term
10-year surrender
Does not vary by premium
S&P 500
S&P 500 Index
5 Year Lock
4.5% cap rate
Annual cap
5-year term · 10-year surrender · Does not vary by premium
5-year term
10-year surrender
Does not vary by premium
S&P 500
S&P 500 Index
7 Year Lock
4.45% cap rate
Annual cap
7-year term · 7-year surrender · Does not vary by premium
7-year term
7-year surrender
Does not vary by premium
Fixed Account
Fixed Account
3.2% declared rate
Fixed account
1-year term · 7-year surrender · Does not vary by premium
1-year term
7-year surrender
Does not vary by premium
Fixed Account
Fixed Account
3.25% declared rate
Fixed account
1-year term · 10-year surrender · Does not vary by premium
Same Lincoln ProtectedPay Select rider family as the FlexAdvantage Income siblings, so a buyer can choose between the OptiBlend strategy chassis or the FlexAdvantage chassis without losing the rider menu.
Ten-year surrender ladder runs longer than FlexAdvantage Income's seven-year ladder, giving the rider's deferral-bonus mechanic a longer window to compound.
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.
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
Ten 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 ten-year deferral should compare a shorter-surrender income FIA (FlexAdvantage Income, FlexAdvantage Income 7-Access).
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.
There is no premium bonus on the underlying contract, and the contract is not available in California or New York.
Not ideal for
Buyers who want a shorter surrender lockup (compare FlexAdvantage Income or FlexAdvantage Income 7-Access), do not want to pay an annual rider fee for lifetime income (compare the rider-free OptiBlend), expect a premium bonus, need income starting before age 59, or live in California or New York.
Free Comparison Report
Get an OptiBlend Income rate report
See how OptiBlend Income compares for your age, state, premium, and income goals alongside other Lincoln Financial fixed indexed annuity options.
These are the current crediting strategies available for this product. Use the filters to narrow by index, term, premium band, or rate type.
Par: 75% · 1-yr
Nasdaq Priva Index
participation
7-yr surrenderDoes not vary by premium
Par: 35% · 1-yr
S&P 500 Index
participation
7-yr surrenderDoes not vary by premium
Par: 35% · 1-yr
Capital Group Dividend Value ETF
participation
7-yr surrenderDoes not vary by premium
Trigger: 6% · 1-yr
S&P 500 Daily Risk Control 10% USD Excess Return Index
trigger
7-yr surrenderDoes not vary by premium
Cap: 5.2% · 1-yr
S&P 500 Index
cap
7-yr surrenderDoes not vary by premium
Trigger: 4.75% · 1-yr
S&P 500 Index
trigger
7-yr surrenderDoes not vary by premium
Fixed: 3.2% · 1-yr
Fixed Account
fixed
7-yr surrenderDoes not vary by premium
Par: 100% + Declared: 5.25% · 7-yr
S&P 500 Daily Risk Control 10% USD Excess Return Index
7 Year Lock · trigger
7-yr surrenderDoes not vary by premium
Cap: 4.45% · 7-yr
S&P 500 Index
7 Year Lock · cap
7-yr surrenderDoes not vary by premium
Par: 80% · 1-yr
Nasdaq Priva Index
participation
10-yr surrenderDoes not vary by premium
Par: 37% · 1-yr
S&P 500 Index
participation
10-yr surrenderDoes not vary by premium
Par: 37% · 1-yr
Capital Group Dividend Value ETF
participation
10-yr surrenderDoes not vary by premium
Trigger: 6.05% · 1-yr
S&P 500 Daily Risk Control 10% USD Excess Return Index
trigger
10-yr surrenderDoes not vary by premium
Cap: 5.25% · 1-yr
S&P 500 Index
cap
10-yr surrenderDoes not vary by premium
Trigger: 4.8% · 1-yr
S&P 500 Index
trigger
10-yr surrenderDoes not vary by premium
Fixed: 3.25% · 1-yr
Fixed Account
fixed
10-yr surrenderDoes not vary by premium
Par: 100% + Declared: 5.3% · 5-yr
S&P 500 Daily Risk Control 10% USD Excess Return Index
5 Year Lock · trigger
10-yr surrenderDoes not vary by premium
Cap: 4.5% · 5-yr
S&P 500 Index
5 Year Lock · cap
10-yr surrenderDoes not vary by premium
Income riders
Income rider
Lincoln ProtectedPay Select
Lifetime withdrawal rate6.6%
Annual rider fee1.1%
Guaranteed roll-up10%/yr
Deferral assumed10 years
GLWB
Income rider
Lincoln ProtectedPay Select and Estate Lock
Lifetime withdrawal rate5%
Annual rider fee1.1%
Guaranteed roll-up10%/yr
Deferral assumed10 years
GLWB
Common questions about OptiBlend Income
● Can I lose money in OptiBlend Income?
A negative index return by itself does not reduce the contract's account value: OptiBlend Income 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.
● Is the Lincoln ProtectedPay Select income rider worth the 1.1% fee?
It depends on whether you will use the guaranteed income. If you are accumulating only, you can skip it. If you want guaranteed lifetime income later, the 10% roll-up and 6.6% withdrawal rate can make it worthwhile — model it in the Income tab of the analyzer above.
● 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 Income's crediting strategies compare?
Use "Compare against" in the analyzer to overlay another current OptiBlend Income 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
Estate Lock 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 and joint
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
Carrier documents not available for this product
Brochures, product guides, or contract disclosures are currently unavailable for this product. 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
OptiBlend Income currently shows 16 distinct indexed or fixed crediting choices across 18 displayed rate entries, including S&P 500 Index, with 7 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: 5.2% annual cap
S&P 500 Index: 5.25% annual cap
S&P 500 Index: 100% annual participation rate
S&P 500 Index: 35% annual participation rate
Income rider language
What to look for before treating the rider as income
Lincoln ProtectedPay Select is the main income rider listed 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.
6.6% withdrawal rate
1.1% rider fee
10 deferral years
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
This page uses the current structured product information 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
Free Comparison Report
Get an OptiBlend Income rate report
See how OptiBlend Income compares for your age, state, premium, and income goals alongside other Lincoln Financial fixed indexed annuity options.