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Annuity of the Week: Lincoln OptiBlend 5 (7% S&P Cap)

Lincoln OptiBlend 5 (7% S&P Cap)

The Lincoln OptiBlend 5 is a flexible premium fixed indexed annuity with a 5-year surrender charge period and MVA provision. This 5-year FIA 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.

  • Minimum Premium:  $10,000
  • Maximum Premium:  $2,000,000
  • Premium Type: Flexible for Life of the Product
  • Max Issue Age:  85
  • Annual Contract Fee:  N/A
  • Fee Withdrawal Amount:  10% Starting in Year 1
  • Firm Ratings:  A.M. Best (A+), Fitch (A+), Moody’s (A1)

Fixed Index Strategies

1 Year S&P 500 Annual Point-to-Point:  7.00% (CAP)

1 Year S&P 500 5% Daily Risk Control with Spread0.25% (Spread)

1 Year BlackRock Dynamic Allocation Participation155% (PAR)

1 Year Fidelity AIM Dividend Participation145% (PAR)

2 Year BlackRock Dynamic Allocation Participation200% (PAR)

1 Year Fixed Account:  3.50% (Fixed Rate for 1 Year)

*Not Available in NY, CA, VI

Do you have clients looking for a higher return than a Fixed Annuity (MYGA) or their local bank CD?  Time to get their money off the sidelines.  Give us a call today!  973-435-3784

To see an annuity illustration, e-mail the following details to

  • Client name:
  • DOB:
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