Annuity Atlas
Today's top ratesMYGA3yr 6.10%5yr 6.30%7yr 6.35%10yr 6.30%FIA S&P cap3yr 9.70%5yr 16.00%7yr 12.90%10yr 17.00%
As of Oct 26 · B++ or betterAll rates →

Expert review · 2026

Lincoln review

Annuity Atlas covers 10 Lincoln annuity products with live rates and contract specs. 10 carry full editorial reviews.
How we rank →Today's rates →

A.M. Best

A

Insurer claims-paying rating

Products tracked
10
MYGA yield (lineup max)
6.00% · 10yr · MYGuarantee Plus 10
Surrender range
5–10 years
Rate as of Oct 12, 2026
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Products covered
10
A.M. Best
A
Categories covered
Income · FIA · MYGA

10 Lincoln annuities

Click any product for rates, specs, and the full peer-group review.

MYGuarantee Plus 10
Conservative buyers who want a guaranteed fixed rate locked for a full decade and value a well-known carrier name with solid financial strength
A
A.M. BEST
MYGA10-YR SURRENDER
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MYGuarantee Plus 7
Buyers who want a guaranteed fixed rate locked in for 7 years and are comfortable with a mid-size carrier commitment backed by a strong A+ rating
A
A.M. BEST
MYGA7-YR SURRENDER
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MYGuarantee Plus 5
Buyers who want a guaranteed fixed rate locked in for a full 5 years, a well-known carrier behind the contract, and no complexity to manage
A
A.M. BEST
MYGA5-YR SURRENDER
Review →
FlexAdvantage Income 10
Buyers in their 50s to 70s who can commit $75,000 of long-term money, want a built-in lifetime income rider with a meaningful roll-up, and are willing to defer income for several years
A
A.M. BEST
Income10-YR SURRENDERINCOME RIDER 1.10% (2.25% max) FEE
Review →
FlexAdvantage Income 7
Buyers in or near retirement who can commit $75,000 of long-term money and want a built-in lifetime-income rider with a high simple-interest roll-up
A
A.M. BEST
Income7-YR SURRENDERINCOME RIDER 1.10% (2.25% max) FEE
Review →
OptiBlend 10
Buyers who want a low minimum-premium entry into a long-duration FIA with a broad crediting menu and no income rider cost
A
A.M. BEST
FIA10-YR SURRENDERINCOME RIDER 0.95% annually (2.00% max) FEE
Review →
OptiBlend 5
Buyers who want principal protection, a shorter 5-year commitment, and a meaningful range of crediting options without paying for an income rider they do not need
A
A.M. BEST
FIA5-YR SURRENDER
Review →
OptiBlend 7
Buyers who want principal protection, a low entry point, and an unusually wide menu of crediting strategies inside a 7-year FIA, including a multi-year lock option
A
A.M. BEST
FIA7-YR SURRENDERINCOME RIDER 0.95% annually (2.00% max) FEE
Review →
OptiBlend Income 10
Buyers in their 50s to 70s who can commit $75,000 of long-term money, want a built-in lifetime income rider with a meaningful roll-up, and value a broad, flexible crediting menu they can shape over time
A
A.M. BEST
Income10-YR SURRENDERINCOME RIDER 1.10% (2.25% max) FEE
Review →
OptiBlend Income 7
Buyers in their late 50s through their 70s who have at least $75,000 to commit, want a built-in lifetime income rider with a high deferral roll-up, and can leave the money alone for seven years
A
A.M. BEST
Income7-YR SURRENDERINCOME RIDER 1.10% (2.25% max) FEE
Review →

Income rider fees

Disclosed charges for optional riders on Lincoln products, live from Annuity Rate Watch. Product-level detail is on each review.

RiderProductFee
Protected Pay with Estate Lock (0.45% fee on premium)FlexAdvantage Income 101.10% annually
Protected Pay® SelectFlexAdvantage Income 101.10% (2.25% max)
i4Life Indexed AdvantageOptiBlend 100.95% annually (2.00% max)
Lincoln Lifetime Income Edge 2.0 CAOptiBlend 100.95% annually (1.50% max)
Lincoln Lifetime Income Edge 2.0OptiBlend 100.95% annually (1.50% max)
Lincoln Lifetime Income Edge FLOptiBlend 100.95% annually (1.00% max)

Frequently asked questions

Is Lincoln a good annuity company?
We have reviewed 10 Lincoln products, 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.

Sources & standards

How we know what's on this page

Rates, terms & availability
Annuity Rate Watch, which aggregates carriers' filed rate sheets. Refreshed every night.
Financial strength
A.M. Best. We publish the carrier's letter rating rather than a score of our own.
Contract detail
The carrier's own brochure, minimum guaranteed surrender value, death benefit, RMD treatment, annuitization options, waiver riders and free-withdrawal terms. Where the brochure and the rate feed disagree, the brochure wins: it is the filed document. Where neither carries a fact, the page omits it. We do not fill gaps with estimates.
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