Lincoln Financial OptiBlend 5
Trigger · 1-Yr S&P 500 10% DRC Trigger Rate
Lincoln Financial OptiBlend 5 posts a FIA Trigger of 10.00% on 1-Yr S&P 500 10% DRC Trigger Rate, effective 10/01/2026.
Credited whenever the index finishes flat or higher, whatever the size of the gain.
Contract facts
1 of 12 contract terms on file- Rate type
- Trigger
- Product type
- FIA
- Term
- No fixed term
- Index or strategy
- 1-Yr S&P 500 10% DRC Trigger Rate
- Crediting
- trigger
- Availability
- Most states
- Premium band
- $100k+
- Interest basis
- Compound
- Minimum premium
- $100,000
Not on file: Issue ages, Maximum premium, Surrender period, Free withdrawal, Years rate guaranteed, Premium bonus, Minimum renewal rate, GTD yield to surrender, M.V.A., Return of premium, Additional premiums. Confirm these with the carrier before you quote or illustrate.
- 0-80: 4.00
- 81-85: 1.65
Lincoln Financial
50 ratesContracts issued by The Lincoln National Life Insurance Company
- AM Best
- A
Financial strength as entered by Alpha Solutions. Ratings change; confirm with the carrier or the agency before quoting.
Fort Wayne, Indiana. Writes annuities, life insurance and group protection.
Analysis for agents
Ranking, the history graph, compare and PDF downloads come with a free agent account. The rate, the contract facts and the carrier details above are public.
Where this rate ranks
Measured against every FIA Trigger on the Alpha shelf, at any term: 34 rates from 5 carriers. A free agent account shows this rate's place in that set, how far it sits off the best one on file, and the rates either side of it.
Rate history
2 observations on fileCreate a free agent account to unlock the full rate-history graph, alerts, and PDF downloads.
- 52-wk high
- 10.00%
- 52-wk low
- 10.00%
- 52-wk avg
- 10.00%
- Changes YTD
- 0
- Tracked since
- 09/22/2026
Rate history table (2 observations)
| Effective date | Rate | Change |
|---|---|---|
| 10/01/2026 | 10.00% | 0.00 |
| 09/22/2026 | 10.00% | -- |
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Every rate on Lincoln Financial OptiBlend 5
One contract, 18 rates. Each type is its own unit, so read a cap against caps and a par rate against par rates.
- Guaranteed APY5.10%Fixed Account
- Guaranteed APY4.50%Fixed Account
- Cap10.10%S&P 500 Cap
- Cap9.00%S&P 500 Cap
- Cap8.25%1-Yr S&P Cap Lock for 5-years
- Cap7.00%1-Yr S&P Cap Lock for 5-years
- Par Rate85.00%5-Yr S&P Par Rate
- Par Rate70.00%5-Yr S&P Par Rate
- Par Rate58.00%S&P 500 Uncapped Par Rate
- Par Rate45.00%S&P 500 Uncapped Par Rate
- Trigger10.00%1-Yr S&P 500 10% DRC Trigger Rate · viewing
- Trigger9.00%1-Yr S&P 500 10% DRC Trigger Rate
- Trigger8.85%S&P P2P 10% DRC 5-yr Trigger Lock
- Trigger8.00%S&P 500 Performance Trigger Rate
- Trigger7.50%S&P P2P 10% DRC 5-yr Trigger Lock
- Trigger7.00%S&P 500 Performance Trigger Rate
- Trigger6.75%1-Yr S&P Dual Trigger
- Trigger6.00%1-Yr S&P Dual Trigger
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Rates shown are for informational use and are subject to change. Confirm current rates, availability, and product details directly with the carrier before quoting or illustrating for a client.