Lincoln Financial Unveils New Fixed Indexed Annuity Income Solutions With Category-First Legacy Planning
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fixed indexed annuities (fias)financial
A fixed indexed annuity is an insurance contract that promises to protect your original money and pay steady income while crediting extra interest based on the performance of a stock-market index, without directly investing your funds in the market. It matters to investors because it blends a safety net—limits on losses—with some upside potential when markets rise, making it a conservative way to seek higher returns and predictable income than plain savings products.
estate lock℠ death benefitfinancial
An estate lock℠ death benefit is an insurance feature that guarantees a life insurance payout will be preserved for the policyholder’s estate or named heirs by locking in a specific death benefit amount under defined conditions, preventing that amount from being reduced by later withdrawals or policy changes. Investors care because it creates predictable inheritance value and clearer estate planning outcomes—much like putting a fixed sum into a sealed envelope that heirs can count on when the policyholder dies.
indexed accountfinancial
An indexed account is an investment account that aims to match the performance of a broad market benchmark by holding a similar mix of stocks or using funds that track that benchmark. For investors it matters because it offers low-cost, predictable exposure to a whole market or sector—like buying a mixed fruit basket instead of picking individual fruits—helping diversify risk and simplify long-term investing decisions.
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An ETF, or exchange-traded fund, is like a basket of different investments such as stocks or bonds that you can buy or sell easily on the stock market, just like a regular share. It allows people to invest in many companies at once, making it a simple way to grow savings without picking individual stocks.
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A broker-dealer is a licensed firm or individual that both executes trades on behalf of clients (acting as a broker) and buys or sells securities for its own account (acting as a dealer). Investors care because broker-dealers provide the plumbing of markets — they place orders, hold or move cash and securities, offer research or advice, and their stability and fees directly affect trade execution, costs, and the safety of client funds; think of them as a combined travel agent and taxi for your investments.
claims-paying abilityfinancial
Claims-paying ability is an insurance company's capacity to meet and settle policyholder claims when they arise, based on its available cash, reserves and financial strength. It matters to investors because it signals whether the company can withstand large or unexpected losses without needing outside help or cutting dividends, much like a household emergency fund shows whether a family can handle a sudden expense without borrowing or selling assets.
New FIAs deliver guaranteed lifetime income and protected growth designed to help consumers secure their financial future in retirement
RADNOR, Pa.--(BUSINESS WIRE)--
Lincoln Financial (NYSE: LNC) today announced the launch of two new fixed indexed annuities (FIAs) — Lincoln FlexAdvantage® Income and Lincoln OptiBlend® Income — further expanding the company’s suite of retirement income solutions. The products are designed to offer consumers guaranteed growth for future income, guaranteed lifetime income and first-of-its-kind legacy planning through a FIA with the optional Estate Lock℠ Death Benefit, while providing 100% downside protection.
“Lincoln’s research shows that 92% of Americans are concerned about having enough income in retirement, and many also express concerns around principal protection and market volatility,”1 said Tim Seifert, SVP, Head of Retirement Solutions Distribution at Lincoln Financial. “To help address these concerns, Lincoln’s new FIA income solutions expand choice, extend the success of the Lincoln ProtectedPay® suite including Estate Lock℠ to the FIA market and support the needs of today’s consumers seeking confidence in retirement.”
Lincoln FlexAdvantage® Income and Lincoln OptiBlend® Income FIAs include the following features:
Protected lifetime income: A built-in income benefit, Lincoln ProtectedPay® Select, allows consumers to convert a portion of their retirement savings into guaranteed lifetime income that never decreases.
Innovative legacy protection: The optional Estate Lock℠ Death Benefit allows consumers to protect their initial payment amount for beneficiaries with no reduction due to lifetime income withdrawals.2
Protected savings and growth: In addition to guaranteed growth for future income, consumers continue to receive 100% downside protection and access to unique upside opportunities through a range of S&P indexed account options, as well as options exclusive to Lincoln, including:
1 Year Capital Group Dividend Value (CGDV) ETF Participation account, linked to an actively managed strategy focused on larger established U.S. companies that pay dividends or have the potential to pay dividends. CGDV holds a current Morningstar Medalist Gold3rating and has outperformed the S&P 500 and 99% of ETFs in the Large Value category since inception.4
1 Year Nasdaq Priva™Participation account, linked to the performance of a core equity-only strategy that offers exposure to innovative, growth-oriented companies with the ability to get tactical between three Nasdaq components.
“By expanding access to the CGDV ETF and Nasdaq Priva™ indexed accounts across our FIA suite, Lincoln is creating more opportunities for consumers to pursue meaningful growth with the protection of an FIA,” said Seifert. “Lincoln continues to strengthen its FIA portfolio while also enhancing our digital tools that help simplify annuity conversations and make it easier for financial professionals and their clients to do business with us at every step.”
Enhanced digital tools
Lincoln is also introducing a FIA income calculator, enabling financial professionals and clients to model customized income scenarios and visualize projected outcomes. Additional enhancements include digitized rates and statement on demand capabilities for FIAs, allowing clients and financial professionals to generate real-time account snapshots, including account activity and up-to-date values.
Visit the microsite to see everything Lincoln’s expanded FIA suite has to offer.
Lincoln Financial and Capital Group are not affiliates.
Lincoln Income fixed indexed annuities (contract form ICC25-000702 and state variations) are issued by The Lincoln National Life Insurance Company, Fort Wayne, IN, and distributed by Lincoln Financial Distributors, Inc., a broker-dealer. The Lincoln National Life Insurance Company does not solicit business in the state of New York, nor is it authorized to do so. Contractual obligations are subject to the claims-paying ability of The Lincoln National Life Insurance Company.
An annuity with an indexed account that tracks the performance of an actively managed ETF does not offer direct investment in the ETF. Instead, it credits indexed interest based on a crediting strategy and the returns of the ETF. Dividends from the ETF or its underlying stocks do not contribute to indexed interest. Indexed interest is determined by the indexed crediting and is not guaranteed to match the performance of the ETF.
About Lincoln Financial
Lincoln Financial helps people confidently plan for their vision of a successful financial future. As of December 31, 2025, approximately 17 million customers trust our guidance and solutions across four core businesses – annuities, life insurance, group protection, and retirement plan services. As of December 31, 2025, the company had $349 billion in end-of-period account balances, net of reinsurance. Headquartered in Radnor, PA., Lincoln Financial is the marketing name for Lincoln National Corporation (NYSE: LNC) and its affiliates. Learn more at LincolnFinancial.com.
1 Lincoln Financial Consumer Sentiment Tracker, October 2025
2 There is a cap for the Estate Lock℠ Death Benefit equal to the greater of (a) 125% of the contract’s cash surrender value, and (b) the lesser of premium(s) minus the sum of all withdrawals accumulated at an annualized interest rate of 10% or 250% of premium(s) minus the sum of all withdrawals. FL and SC contracts are not subject to the cap. If your account value reaches $0, your income will continue for life but the Estate Lock℠ Death Benefit will terminate.
3Morningstar Medalist Rating™ is as of April 25, 2025. The Analyst-Driven/Data Coverage percentages for CGDV is as follows: 100%/100%. Analyst Driven % displays the percentage of analyst input into the overall rating assignment, including direct analyst coverage and inheritance of an analyst-rated pillar. Data Coverage % displays the percentage of available input data for rating calculation at the Pillar level. Capital Group did not compensate Morningstar for the ratings and comments contained in this material. However, the firm has paid Morningstar a licensing fee to access and publish its ratings data.
The Morningstar Medalist Rating is a forward-looking assessment assigned by Morningstar’s research analysts. It reflects their qualitative evaluation of an investment strategy’s potential to outpace its category benchmark over a full market cycle on a risk-adjusted basis and net of fees. Morningstar bases its ratings on three key pillars — People, Parent and Process — alongside a fee assessment. The Medalist Rating does not reference a specific time period but is based on qualitative and select quantitative data as of [Medalist rating date], respectively.
4 Morningstar, as of November 30, 2025. ETF inception date: 2/22/22. Past performance is not indicative of nor does it guarantee future performance. One cannot invest directly in an index.
Nasdaq® and Nasdaq Priva™ are trademarks of Nasdaq, Inc. The information contained above is provided for informational and educational purposes only, and nothing contained herein should be construed as investment advice, either on behalf of a particular security or an overall investment strategy. Neither Nasdaq, Inc. nor any of its affiliates makes any recommendation to buy or sell any security or any representation about the financial condition of any company. Statements regarding Nasdaq-listed companies or Nasdaq proprietary indexes are not guarantees of future performance. Actual results may differ materially from those expressed or implied. Past performance is not indicative of future results. Investors should undertake their own due diligence and carefully evaluate companies before investing. ADVICE FROM A SECURITIES PROFESSIONAL IS STRONGLY ADVISED.
