Lincoln OptiBlend – Market Growth Potential with Principal Protection
At Diversified Insurance Brokers, we specialize in helping individuals secure customized annuity solutions designed for market participation, downside protection, and long-term financial stability. The Lincoln OptiBlend Fixed Indexed Annuity, issued by The Lincoln National Life Insurance Company, offers a powerful combination of market-linked growth and 100% downside protection, making it an attractive option for anyone focused on preserving their nest egg while still earning interest.
Multiple Growth Strategies With Zero Market Risk
With the OptiBlend annuity, your growth is linked to a range of popular and diverse indices, including:
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S&P 500 Index
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BlackRock Dynamic Allocation Index
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S&P 500 Daily Risk Control 5% and 10% Indexes
These options provide balanced market participation with varying levels of volatility control. Regardless of which strategy you choose, your principal is guaranteed and can never be lost due to market downturns.
Built-In Flexibility and Access
OptiBlend provides:
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Penalty-free withdrawals of up to 10% annually after the first year
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Nursing home and terminal illness waivers, allowing penalty-free access in qualifying situations
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A guaranteed death benefit, which ensures your full accumulation value goes to beneficiaries
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Income Options When You Need Them
When it’s time to generate income, Lincoln’s OptiBlend allows you to convert your accumulation into a structured income stream. This can be especially valuable for retirees looking to:
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Create a guaranteed monthly income
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Replace a pension or reduce reliance on Social Security
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Maintain consistent cash flow in retirement
Who Is This a Good Fit For?
The Lincoln OptiBlend annuity is ideal for individuals who want the upside potential of index-based strategies with none of the downside risk. It’s well-suited for:
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Pre-retirees and retirees who are risk-averse
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Investors looking for stable, long-term growth without market exposure
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Individuals seeking to roll over an IRA, 401(k), or other qualified funds into a protected vehicle
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People who want access to funds in emergencies without sacrificing growth
Strong Carrier Backing
The annuity is issued by The Lincoln National Life Insurance Company, a well-established and financially sound carrier known for its disciplined investment strategies and long-term policyholder commitments.
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