Lincoln OptiBlend Updates

There are many options in the market for clients seeking growth and safety and the Lincoln Financial OptiBlend Fixed Indexed Annuity offers both!  The 1 Year S&P500 Performance Triggered Index is just one option offered in the Lincoln Financial OptiBlend that is a very compelling option to consider. 

The Lincoln Financial OptiBlend 5 current 1 Year S&P500 Performance Triggered Index rate for 100k or more is 8.85% (*8/10 rates) which will credit the entire rate as long as the S&P500 is flat or up anything for the contract year. 100% protection for clients if the S&P500 is negative for the contract year. 

100% allocation 1 Year S&P500 Performance Triggered Index at current rate of 8.85% for 100K premium or more in the OptiBlend 5.

• If the S&P500 is negative 1 year out of 5 years = Average return 08%
• If the S&P500 is negative 2 years out of 5 years = Average return 31% 

What if a client doesn’t want to see a 0% crediting? Consider a 50/50 allocation between the 1 Year S&P500 Performance Triggered Index at 8.85% and the Fixed Account Rate at 4.75%

• In a policy year that the S&P500 is negative the total interest at current rates would be 375% because of the fixed rate crediting regardless of the S&P500 performance. 

• In a policy year that the S&P500 is positive the 1 Year S&P500 Performance Triggered Index and the Fixed Account rate would both credit for a total of 8% combined interest.