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.
Ensure you are receiving the absolute top rates
Current Fixed Annuity Rates
Compare today’s best fixed annuity rates from top carriers.
Current Bonus Annuity Rates
See which annuities offer the highest upfront bonus today.
Request an Annuity Quote
Submit our annuity request form to get personalized rate options.
Lifetime Income Calculator
Use our calculator to see how much guaranteed income your annuity can provide.
Multiple Growth Strategies With Zero Market Risk
With the OptiBlend annuity, your growth is linked to a range of popular and diverse indices, including:
-
S&P 500 Index
-
BlackRock Dynamic Allocation Index
-
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:
-
Penalty-free withdrawals of up to 10% annually after the first year
-
Nursing home and terminal illness waivers, allowing penalty-free access in qualifying situations
-
A guaranteed death benefit, which ensures your full accumulation value goes to beneficiaries
➡️ Curious how this fits your retirement plan?
Click here to request a personalized annuity quote
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:
-
Create a guaranteed monthly income
-
Replace a pension or reduce reliance on Social Security
-
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:
-
Pre-retirees and retirees who are risk-averse
-
Investors looking for stable, long-term growth without market exposure
-
Individuals seeking to roll over an IRA, 401(k), or other qualified funds into a protected vehicle
-
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.
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.
Schedule here:
calendly.com/jason-dibcompanies/diversified-quotes
Licensed in all 50 states • Fiduciary, family-owned since 1980
FAQs: Lincoln OptiBlend Annuity
What is the Lincoln OptiBlend annuity?
OptiBlend is a hybrid fixed indexed annuity that allows flexible allocation between fixed-interest accounts and multiple index-crediting strategies — designed to blend stability with growth potential, tailored to your risk tolerance and goals.
How does OptiBlend credit interest?
You can allocate portions of your premium among different crediting strategies: fixed-interest for stable, guaranteed growth; and index-linked strategies (e.g., point-to-point, monthly averaging, or multi-year index options) that credit based on positive index performance.
Does OptiBlend protect against market downturns?
Yes. As a fixed indexed annuity, the contract ensures your accumulation value will never decrease because of negative index performance. The worst outcome in a down market is zero interest credit for that year.
Are penalty-free withdrawals allowed?
Most versions allow limited penalty-free withdrawals each contract year—commonly up to 10% of the account value after the first contract year. Exceeding this may trigger surrender charges or other adjustments.
Is a Market Value Adjustment (MVA) part of OptiBlend?
Depending on your selected term and options, an MVA may apply. If present, early withdrawals beyond allowed amounts during the surrender period may be adjusted up or down based on changes in interest rates since issuance.
Can I reallocate my strategy mix over time?
Yes. OptiBlend typically allows reallocation of your premium among fixed and indexed strategies at each crediting period anniversary, giving you flexibility to adjust based on market conditions or personal goals.
Can this annuity be funded with IRAs or retirement rollovers?
Yes. OptiBlend can generally accept qualified retirement funds (traditional IRA, Roth IRA, 401(k) rollovers) as well as non-qualified funds, depending on your planning needs.
Is there an optional lifetime income rider?
Certain versions may offer an optional income rider, which can convert accumulation value into a lifetime guaranteed income stream — useful if you want retirement income flexibility and security.
Who is Lincoln OptiBlend best suited for?
This annuity is ideal for individuals who want a balanced approach: a portion of safe fixed interest, a portion with upside potential tied to indexes, and flexibility to adjust allocations over time — combining stability, growth, and optional income features.
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.
