Looking for a MYGA Alternative?

Looking for a MYGA Alternative solution since rates have been dropping lately? 

Check out the OptiBlend Index 5 Annuity!

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 Daily Risk Control 10% Trigger Account 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 DRC Trigger Account rate for 100k or more is 10.75% which will credit the entire rate as long as the S&P500 DRC Index is flat or up anything for the policy year. 100% protection for clients if the S&P500 DRC 10 is negative for the policy year.

Assuming 100% allocation 1 Year S&P500 10 DRC Trigger Account at current rate of 10.75% for 100k or more in the OptiBlend 5:

• If the S&P500 DRC is negative 1 year out of 5 years = Average return 8.6%
• If the S&P500 DRC is negative 2 years out of 5 = Average return 6.45%
• If the S&P500 DRC is negative 3 years out of 5 = Average return 4.3%

What if a client doesn’t want to see a 0% crediting? Consider a 50/50 allocation between the 1 Year S&P500 DRC Trigger account at 10.75% and the current Fixed Account Rate at 4.6%

• In a policy year that the S&P500 DRC is negative the blended return at current rates would be 2.3% because of the fixed rate crediting regardless of the S&P500 DRC performance.
• In a policy year that the S&P500 DRC is positive the 1 Year S&P500 Performance Triggered Index and the Fixed Account rate would both credit for a total of 7.675% blended return.