Lincoln MYGuarantee Plus Fixed Annuity – Predictable Growth Without Market Risk
Reliable Fixed Growth for a Secure Retirement
At Diversified Insurance Brokers, we help clients build dependable retirement strategies that eliminate the guesswork of market volatility. The Lincoln MYGuarantee Plus Fixed Annuity, issued by The Lincoln National Life Insurance Company, provides guaranteed fixed interest rates, tax deferral, and liquidity options to support your long-term financial goals.
For individuals seeking predictable, market-free returns, this annuity delivers peace of mind with steady accumulation and flexible access to funds.
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Guaranteed Growth with Flexible Term Lengths
Lincoln MYGuarantee Plus offers fixed interest rate guarantees for terms ranging from 3 to 10 years. This gives you the ability to select the timeline and return that best fits your retirement timeline and risk tolerance.
Your money grows at a predictable rate, and because interest compounds tax-deferred, you can accumulate more over time than you would in a taxable account.
Liquidity When You Need It
Starting in the second contract year, policyholders can withdraw up to 10% of the contract value annually without penalty. This makes the annuity a great fit for those who want both security and access to income in retirement.
In addition, the nursing home and terminal illness waivers allow for early, penalty-free access to your funds if specific health conditions arise—providing added flexibility when it matters most.
Built-In Legacy Planning
The Lincoln MYGuarantee Plus includes a full contract value death benefit, meaning your beneficiaries receive the full account value without surrender charges. This makes the annuity not only a reliable source of retirement income but also an efficient estate planning tool.
Who Should Consider This Annuity?
The MYGuarantee Plus is a great fit for:
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Conservative savers looking for guaranteed fixed interest
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Pre-retirees seeking tax-deferred growth without market risk
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Individuals rolling over retirement assets who want predictable returns
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Clients looking to pass on full value to beneficiaries
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Those wanting penalty-free annual access to a portion of their savings
If you’re looking to protect your retirement while growing your wealth predictably, this annuity may be the right fit.
Talk to an Advisor or Request Your Annuity Quote
Ready to explore this annuity in more detail—or compare it with other carriers to see if even higher rates are available? With guaranteed income, principal protection, and long-term growth potential on the line, making the right choice is essential. The experienced advisors at Diversified Insurance Brokers will guide you through the options and design a strategy tailored to your retirement goals.
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FAQs: Lincoln MYGuarantee Plus Annuity
What is the Lincoln MYGuarantee Plus Annuity?
The Lincoln MYGuarantee Plus is a multi-year guaranteed annuity (MYGA) that offers a fixed interest rate over a defined guarantee period. It’s intended for savers who want a stable, predictable return, principal protection, and a tax-deferred growth environment until maturity or distribution.
How does interest crediting work?
Your premium — or rollover/transfer — will earn a fixed rate of interest over the contract term. Interest compounds tax-deferred, and the return is not linked to market performance or index fluctuations. This provides certainty and removes market risk from your growth.
Is my principal protected?
Yes. Because this is a fixed-rate MYGA, the guarantee ensures that your principal (accumulation value) will not decline due to market volatility. You know the rate up front and can plan accordingly with predictable growth.
What happens when the guarantee period ends?
At the end of the guarantee term, you typically have a few options: take the cash value, renew or roll over into a new contract (at current rates), or — if available — choose income payout or another distribution option. The choices depend on the contract version and what the insurer allows.
Can I access my funds early?
Early withdrawals or surrender before the end of the guarantee period are usually restricted and may trigger surrender charges or penalties. Because of this, MYGAs like MYGuarantee Plus are best treated as long-term commitments rather than short-term savings alternatives.
How are earnings and withdrawals taxed?
Earnings grow tax-deferred while the contract remains in force. When you withdraw or surrender, earnings are taxed as ordinary income. Withdrawals before age 59½ may also be subject to additional IRS penalties, depending on your situation.
Who might MYGuarantee Plus be a good fit for?
This annuity may suit conservative investors or savers seeking a secure, fixed return over a multi-year horizon — especially those looking for an alternative to low-yield savings or CD-like products but who prefer the safety and predictability of a fixed-rate annuity. It can be a solid piece in a broader retirement savings strategy such as outlined in our fixed indexed annuity primer.
What should I consider before buying?
Make sure to review the guarantee period length, fixed interest rate, surrender-charge rules, liquidity constraints, and when you’ll need access to funds. Confirm that the investment horizon aligns with the guarantee term — locking up funds for the full period is generally optimal to receive the promised return.
About the Author:
Jason Stolz, CLTC, CRPC, is a senior insurance and retirement professional with more than two decades of real-world experience helping individuals, families, and business owners protect their income, assets, and long-term financial stability. As a long-time partner of the nationally licensed independent agency Diversified Insurance Brokers, Jason provides trusted guidance across multiple specialties—including fixed and indexed annuities, long-term care planning, personal and business disability insurance, life insurance solutions, and short-term health coverage. Diversified Insurance Brokers maintains active contracts with over 100 highly rated insurance carriers, ensuring clients have access to a broad and competitive marketplace.
His practical, education-first approach has earned recognition in publications such as VoyageATL, highlighting his commitment to financial clarity and client-focused planning. Drawing on deep product knowledge and years of hands-on field experience, Jason helps clients evaluate carriers, compare strategies, and build retirement and protection plans that are both secure and cost-efficient.
