Positioning
FIA family allowing the consumer to choose surrender length. Shorter variants offer faster liquidity at lower caps; longer pay higher caps.
Contract terms at a glance
Crediting methods available
- Annual point-to-point
- Monthly average
- Performance-triggered
See How fixed indexed annuities work for how each method works.
Riders
- Optional lifetime income rider
- Standard death benefit
Best fit
- Consumers matching surrender length to their personal liquidity timeline
- Buyers who prefer a Lincoln-issued FIA
What to watch for
- Comparing variants requires comparing caps and rider terms at each surrender length
- Monthly average crediting tends to produce different outcomes than point-to-point
Cap rates, participation rates, rider charges, and surrender schedules change frequently. Before purchase, request and verify the following from the carrier or producer:
- Cap rates by variant and crediting strategy
- Optional income rider charge
- Benefit base growth and income withdrawal rates
- Surrender schedule for chosen variant
How to verify and source current information
- Current rate card and product brochure: Lincoln Financial direct or through a licensed independent producer.
- Statement of understanding (annuity contract disclosure document).
- For variable and indexed variable annuities: the SEC-registered prospectus (search EDGAR).
- Carrier financial strength ratings: A.M. Best, S&P Global Ratings, Moody's, Fitch.
- NAIC carrier search and statutory filings: content.naic.org.
- IRS Publication 575 (Pension and Annuity Income) for taxation: IRS Pub 575.
AnnuityMatchPro does not endorse, recommend, or sell the Lincoln OptiBlend. This review is informational. Product features, surrender schedules, caps, participation rates, and rider charges vary by issue date, state, and underwriting. Confirm specific terms with the carrier or a licensed advisor before purchase. AnnuityMatchPro is not a registered investment adviser and is not a licensed insurance agency.