MyGuarantee Plus Class
Lincoln Financial
5%
5-yr guarantee
10%
Free W/D
51
Jurisdictions
Live product data
Rates as of May 29, 2026, based on the latest AdvisorWorld scan of CANNEX data.
Five-year guaranteed rate
5% guaranteed for 5 years
A shorter-surrender multi-year guaranteed annuity from an A-rated Lincoln Financial carrier — the shortest surrender ladder on Lincoln's MYGA shelf — offering a flat guaranteed rate across the published term menu with single or joint annuitization at the end of the term.
Best fit
Buyers who want a flat guaranteed multi-year crediting rate from an A-rated carrier and value the shortest surrender lockup on Lincoln's MYGA shelf, plus the option to convert into a single- or joint-life income stream at the end of the term.
AM Best
A Excellent
Surrender period
7 years
Free withdrawal
10%/yr
Availability
51 jurisdictions (excl. California, New York)
Product analyst notes
How to think about this contract
Why it can stand out
- Surrender ladder is shorter than MyGuarantee Plus and Lincoln Select, so the surrender commitment matches the chosen lead-term horizon more cleanly.
- Carrier financial strength carries three independent ratings (A.M. Best, S&P, and Moody's), so the multi-year guaranteed rate is backed by a multi-agency view of carrier strength.
- Annuitization options include single and joint life — joint annuitization is not always available on a MYGA — so a couple can convert the contract into a two-life income stream at the end of the surrender term.
- Free-withdrawal allowance and the full surrender ladder are visible on this page, so the penalty-free liquidity schedule is not gated behind a sales brochure.
What to confirm
- MyGuarantee Plus Class is not a guaranteed-lifetime-income product during the accumulation phase. There is no GLWB rider attached — the live feed shows an empty income-rider list — and the income side only comes from electing annuitization at the end of the surrender term.
- The term menu on this filing is the shorter of Lincoln's two active MYGA filings — buyers who want a longer rate-lock should compare MyGuarantee Plus, which publishes a longer-horizon term on the same family.
- There is no premium bonus and no death-benefit roll-up beyond the standard death benefit. Every dollar of return has to come from the flat guaranteed crediting rate.
- This filing is not available in California or New York.
Not ideal for
Buyers who want index-linked upside (compare Lincoln's FIA shelf), a GLWB rider during the accumulation phase, the longer-horizon term option Lincoln publishes on MyGuarantee Plus, a premium bonus, or live in California or New York.
Guaranteed Rates by Term
| Term | Guaranteed Rate |
|---|---|
| 5-Year | 5% |
| 7-Year | 5.05% |
Key Features
Free withdrawal
10%/yrAnnual amount that may be available without surrender charges, subject to contract terms.
Surrender waivers
2Nursing home waiver, Terminal illness waiver
Death benefit
Standard Death BenefitBeneficiary value depends on contract terms, withdrawals, and rider elections.
Annuitization options
Single and jointContract conversion options should be confirmed before purchase.
Fund types
Non-qualified, QualifiedAvailability can vary by state and product terms.
Surrender Schedule
Yr 1
7%
Yr 2
7%
Yr 3
6%
Yr 4
5%
Yr 5
4%
Yr 6
3%
Yr 7
2%
After
0%
Nursing home waiver, Terminal illness waiver, Surrender waivers
Carrier Ratings
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