Fixed Indexed Annuity

OptiBlend Income

Lincoln Financial

5.15%

Best Cap

10%

Free W/D

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.

Lincoln ProtectedPay Select GLWB withdrawal rate

11.8% lifetime payout

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 feeRMD-friendly income ridersAdvisorWorld + 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 period

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 mechanicsTermPremium

S&P 500

S&P 500 Index

5.15% cap rate

1-year term

Premium band not shown

S&P 500

S&P 500 Index

100% participation rate + 4.75% declared rate

1-year term

Premium band not shown

S&P 500

S&P 500 Index

35% participation rate

1-year term

Premium band not shown

S&P 500

S&P 500 Index

4.4% cap rate

5-year term

Premium band not shown

S&P 500

S&P 500 Index

4.35% cap rate

7-year term

Premium band not shown

Fixed Account

3.15% declared rate

1-year term

Premium band not shown

+ 5 volatility-controlled index options (S&P 500, Capital Group, Nasdaq Priva...)

Lifetime Income Riders

Income rider

Lincoln ProtectedPay Select

RMD friendly

Lifetime payout rate11.8% lifetime payout

Annual rider fee1.1% annual rider fee

Income rider

Lincoln ProtectedPay Select and Estate Lock

RMD friendly

Lifetime payout rate10.9% 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 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 filing 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.

All crediting strategies

View rate listings (22 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: 5.2% · 7-yr

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

7 Year Lock · trigger

7-yr surrender

Cap: 4.35% · 7-yr

S&P 500 Index

7 Year Lock · cap

7-yr surrender

Par: 100% + Fixed: 4.75% · 1-yr

S&P 500 Index

trigger

10-yr surrender

Par: 100% + Fixed: 6% · 1-yr

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

trigger

10-yr surrender

Par: 75% · 1-yr

Capital Group Dividend Value ETF

participation

10-yr surrender

Par: 35% · 1-yr

S&P 500 Index

participation

10-yr surrender

Par: 35% · 1-yr

Nasdaq Priva Index

participation

10-yr surrender

Cap: 5.15% · 1-yr

S&P 500 Index

cap

10-yr surrender

Fixed: 3.15% · 1-yr

Fixed Account

fixed

10-yr surrender

Par: 100% + Fixed: 5.25% · 5-yr

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

5 Year Lock · trigger

10-yr surrender

Cap: 4.4% · 5-yr

S&P 500 Index

5 Year Lock · cap

10-yr surrender

Par: 100% + Fixed: 4.75% · 1-yr

S&P 500 Index

Par: 100% + Fixed: 6% · 1-yr

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

Par: 75% · 1-yr

Capital Group Dividend Value ETF

Par: 35% · 1-yr

S&P 500 Index

Par: 35% · 1-yr

Nasdaq Priva Index

Cap: 5.15% · 1-yr

S&P 500 Index

Fixed: 3.15% · 1-yr

Fixed Account

Par: 100% + Fixed: 5.25% · 5-yr

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

5 Year Lock

Cap: 4.4% · 5-yr

S&P 500 Index

5 Year Lock

RMD friendly

Lifetime withdrawal rate5.4%

Annual rider fee2.25%

Withdrawal-base growthNot shown

Deferral assumed0 years

Issue age50 — 85

GLWB

Key Features

Free withdrawal

10%/yr

Annual amount that may be available without surrender charges, subject to contract terms.

Surrender waivers

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): 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

Yr 2

Yr 3

Yr 4

Yr 5

Yr 6

Yr 7

Yr 8

Yr 9

Yr 10

After

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

OptiBlend Income currently shows 11 distinct indexed or fixed crediting choices across 22 current rate listings, including S&P 500 Index and S&P 500 Daily Risk Control 10% USD Excess Return Index, with 2 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: 5.15% cap
S&P 500 Index: 100% participation
S&P 500 Daily Risk Control 10% USD Excess Return Index: 100% 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.

11.8% withdrawal rate
1.1% rider fee
10 deferral years
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
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 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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Related Resources

OptiBlend Income

11.8% lifetime payout

Featured crediting strategies

Lifetime Income Riders

Lincoln ProtectedPay Select

Lincoln ProtectedPay Select and Estate Lock

How to think about this contract

Why it can stand out

What to confirm

All crediting strategies

Income riders

Lincoln ProtectedPay Select

Lincoln ProtectedPay Select

Lincoln ProtectedPay Select

Lincoln ProtectedPay Select

Lincoln ProtectedPay Select and Estate Lock

Lincoln ProtectedPay Select and Estate Lock

Lincoln ProtectedPay Select and Estate Lock

Lincoln ProtectedPay Select and Estate Lock

Lincoln ProtectedPay Select

Lincoln ProtectedPay Select

Lincoln ProtectedPay Select

Lincoln ProtectedPay Select

Lincoln ProtectedPay Select and Estate Lock

Lincoln ProtectedPay Select and Estate Lock

Lincoln ProtectedPay Select and Estate Lock

Lincoln ProtectedPay Select and Estate Lock

Key Features

Free withdrawal

Surrender waivers

Death benefit

Strategy guarantee

Strategy guarantee

Strategy guarantee

Annuitization options

Fund types

Surrender schedule

Documents

Carrier Ratings

Contract notes from product data

How the interest-crediting choices are framed

What to look for before treating the rider as income

Why access rules deserve as much attention as rates

Use carrier materials as term evidence, then confirm the current version

Get a personalized OptiBlend Income illustration

Related Resources

Compare Rates

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