Lincoln OptiBlend Income 10

The Lincoln OptiBlend Income 10 is an individual modified single premium fixed indexed annuity with a 10-year surrender charge period with an MVA provision. The Lincoln OptiBlend Income 10 is designed to accumulate Account Value with options to provide retirement income. This annuity guarantees principal protection from market downturns with the potential for Account Value growth. You choose how to allocate your money with options to invest in the Fixed Account, in one or more indexed accounts, or a combination of both. Indexed accounts, as described below, reference a market index or exchange-traded fund (ETF) as a benchmark for indexed crediting. This annuity does not participate directly in any stock or equity investment and does not include the purchase of shares of stock or an index. The indexed accounts use an outside benchmark for determining indexed account earnings. Any dividends paid on the stocks on which the benchmark is based do not increase the annuity earnings. All payments and values provided by the contract, when based on performance of the indexed account, are not guaranteed to be equivalent to the benchmark. The composition of the benchmark and the methodology used by the benchmark to calculate its performance are not guaranteed and may be changed at any time by the benchmark provider.