Lincoln review

Annuity Atlas covers 10 Lincoln annuity products with live rates and contract specs. 10 carry full editorial reviews.

Carrier strength

A.M. Best

Products10

Get my free review

Products covered

A.M. Best

Categories covered

Income · FIA · MYGA

10 Lincoln annuities

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

Product	Type	Surrender	Rating	Income rider	Bonus
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	MYGA	10yr	A	—	—	Review →
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	MYGA	7yr	A	—	—	Review →
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	MYGA	5yr	A	—	—	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	Income	10yr	A	Yes 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	Income	7yr	A	Yes 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	FIA	10yr	A	Yes 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	FIA	5yr	A	—	—	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	FIA	7yr	A	Yes 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	Income	10yr	A	Yes 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	Income	7yr	A	Yes 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.

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)

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.

Full methodology →Who publishes this →

See your Lincoln income projection

Personalized estimate
Based on age, premium & goals
No pressure, no pitch.

Compare Lincoln