OptiBlend 7 + 1 Year S&P 500 Performance Trigger!
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 7 current 1 Year S&P500 Performance Triggered Index rate for 100k or more is 10.5% which will credit the entire rate as long as the S&P500 is flat or up anything for the policy year. Protection for clients if the S&P500 is negative for the policy year.
*Please note that CA has different rates
100% allocation 1 Year S&P500 Performance Triggered Index at current rate of 10.5% for 100k or more in the OptiBlend 7.
- If the S&P500 is negative 1 year out of 7 years = Average return 9%
- If the S&P500 is negative 2 years out of 7 = Average return 7.5%
- If the S&P500 is negative 3 years out of 7 = Average return 6%
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 10.5% and the Fixed Account Rate at 5.75% (assuming current rates)
- In a policy year that the S&P500 is negative the total interest at current rates would be 2.875% 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 8.125% combined interest.
Reminder that we accept premium amounts up to $2 million, anything above can be considered on an exception.