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Income rider fees
Disclosed charges for optional riders on Lincoln products, live from Annuity Rate Watch. Product-level detail is on each review.
| Rider | Product | Fee |
|---|---|---|
| Protected Pay with Estate Lock (0.45% fee on premium) | FlexAdvantage Income 10 | 1.10% annually |
| Protected Pay® Select | FlexAdvantage Income 10 | 1.10% (2.25% max) |
| i4Life Indexed Advantage | OptiBlend 10 | 0.95% annually (2.00% max) |
| Lincoln Lifetime Income Edge 2.0 CA | OptiBlend 10 | 0.95% annually (1.50% max) |
| Lincoln Lifetime Income Edge 2.0 | OptiBlend 10 | 0.95% annually (1.50% max) |
| Lincoln Lifetime Income Edge FL | OptiBlend 10 | 0.95% annually (1.00% max) |
03
Frequently asked questions
Is Lincoln a good annuity company?
Lincoln earns an average rating of 4.0/5 across the 10 products we've reviewed, and A.M. Best rates the carrier A for financial strength.
What are the fees for Lincoln annuities?
Fee structures vary by product. Optional income riders on Lincoln products carry disclosed charges — for example Protected Pay with Estate Lock (0.45% fee on premium) (FlexAdvantage Income 10): 1.10% annually ; Protected Pay® Select (FlexAdvantage Income 10): 1.10% (2.25% max); i4Life Indexed Advantage (OptiBlend 10): 0.95% annually (2.00% max). See each product review for the full fee detail.
What is the surrender period for Lincoln annuities?
Surrender periods on Lincoln's current lineup run 5–10 years, depending on the product. Most products allow an annual free-withdrawal amount before charges apply — the product table above shows each product's surrender length, and each review covers the exact schedule.