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Product Details
Lincoln OptiBlend 10
Company social profile:
Product Name
Lincoln OptiBlend 10
Annuity Type
FIA
Issuing Insurance Company and Ratings
Lincoln Financial Group
Ratings
Product Information
The Lincoln OptiBlend 10 is a flexible premium fixed indexed annuity with a 10-year surrender charge period and MVA provision. The Lincoln OptiBlend 10 provides advantages such as tax deferral, long-term growth, and a death benefit payout with the added benefit of enhanced growth with no risk of loss of premium due to market fluctuations. The Lincoln OptiBlend 10 is not an investment in the stock market. It is a fixed annuity that credits interest based on distinct Index Account Options Index (including the S&P 500 Daily Risk Control 5% Index) and the annual performance of the underlying. The Lincoln OptiBlend 10 also offers a Fixed Account Option with a 1 Year Interest Rate Guarantee currently paying 3.75%.
Key Features
Premium Types: Flexible for Life of the Product
Minimum Premium: 10,000
Maximum Premium: 2,000,000
Free Look Period: 20 Days
Rate Lock Period: 10 Days
Tax-Qualified: IRA, NonQual, IRA-Roth, IRA Rollover, Inherited IRA
Rates
Effective Date: 16/03/2026
Initial Guarantee Period: 1-Year Fixed Account
Next Change: N/A
Premium Amount: $100,000 - See Notes (High-Band)
3 Year Guarantee Period Annual Yield:
Interest rate start of year 1 through end of year 3:
Current
4.05%
4.05%
Premium Amount: 10,000 - 2,000,000
Current
1 Year Guarantee Period Annual Yield:
3.75%
Interest rate start of year 1 through end of year 1:
3.75%
Accumulation Value (assuming no withdrawals)
Accumulation Value (assuming no withdrawals)
Deposit Amount: $
Premium Amount: $100,000 - See Notes (Low-Band)
The Company reserves the right to limit additional premiums to $25,000 each contract year. Larger premiums require home office approval.
Interest rate start of year 1 through end of year 3:
Current
4.05%
4.05%
Accumulation Value (assuming no withdrawals)
Deposit Amount: $
State Approvals
N/A
Withdrawal Provisions
First Year Withdrawals: 10%
Withdrawal Years 2+: 10%
Wait Period Interest Only : No Wait
Withdraw from the accumulation Value After : Immediately
Minimum Policy Value : $2,000
Withdrawl Calculated On: Accumulation
Date For Calculation: Issue
Systematic Withdrawl: Yes
Min Withdrawl Amount: $500
Cumulative Free Withdrawl: No
Eligibility & Restrictions
Age Limits(Owner and Annuitant): Owner: 80, Annuitant: 80
Premium Limits: The Company reserves the right to limit additional premiums to $25,000 each contract year. Larger premiums require home office approval.
State Restrictions: Not available in CA NY VI
