Our Palladium® MYG is offering strong, fixed interest rates, making it an excellent choice for clients seeking stability. Compare the latest rates and see how this product can support long‑term financial goals. View latest rates.

Annuity rates increased effective April 6, 2026—creating new opportunities for clients seeking growth, income, and stability.

Where to Focus:

• Fixed annuities: Higher base rates across key guarantee periods
• Ultra Advantage Fixed Index Annuity® (FIA): Increased guaranteed cap rates, improving upside potential with downside protection

What if retirement income didn’t come with a catch? The Lincoln OptiBlend Income Fixed Indexed Annuity is showing that clients really can have both dependable income and legacy protection.  

With protected lifetime income and the optional Estate Lock℠ Death Benefit, clients can enjoy income they can rely on—while keeping their legacy plans in place as long as the account value stays above $0. It’s a solution that helps income and legacy planning work together. 

Why OptiBlend® Income stands out:

• Guaranteed income for life
• Income never decreases and continues for life—even if the account value hits $0.
• Legacy protection that lasts
• Estate Lock℠ returns the full purchase amount to beneficiaries as long as the account value remains above $0.
• Upside potential, zero downside stress
• Indexed growth opportunities with 100% downside protection.
• Strength behind the strategy
• Supported by Lincoln’s long-standing financial strength and stability. 

Bottom line:
OptiBlend® Income helps turn “either-or” retirement planning into a true win-win.

At the Masters, the best players don’t just focus on the next shot — they play the entire course with the finish in mind. 

Retirement planning should work the same way.

With Estate Lock℠, available with Lincoln Protected Pay® Select, you don’t have to choose between dependable lifetime income and leaving something meaningful behind. You can play both sides of the scorecard. 

The Refillable Death Benefit Advantage

Most income strategies slowly drain what’s left for loved ones.

Estate Lock helps change that. See flyer for details.

✔ Income payments don’t reduce the death benefit
✔ Your beneficiary can receive the full purchase amount, even after years of income withdrawals.
✔ As long as the account value remains above zero, income continues and the death benefit stays intact 

It’s a strategy designed to help protect what you worked for — not just while you’re living, but long after the final round. 

A Smarter Finish — Think of Estate Lock as your Sunday back nine.  

At Augusta, champions don’t win by playing defense alone — they finish strong. 

Estate Lock℠ helps you do the same: income you can rely on, and a refillable death benefit designed to help keep your legacy whole.

Discover how to position annuity solutions in ways that align with Millennials’ values and goals, helping you build deeper trust and drive more meaningful engagement with this growing client base. Elevate your understanding.

Effective April 25, 2026, California will transition to a state-specific annuity application—Form 11059-CA. This new form includes updated, required fraud-prevention language, aligning with regulatory expectations and reinforcing our commitment to responsible business practices. 

To ensure a smooth transition, a 30-day grace period will follow the effective date. During this time, both the current and new versions of the application will be accepted. 

What You Need to Know

• Electronic Submissions (FireLight, AnnuityNet, and Affirm):
  No action is required. The new California-specific form will be automatically updated and available within these platforms.
• Paper Applications:
  Please review the updated Form 11059-CA and ensure the correct version is being used once the grace period concludes.

A lot of clients are concerned while watching RMDs slowly chip away at what they plan to leave their loved one. 

Scenario #2 in the attached collection of case studies shows how a Lincoln annuity with Estate Lock℠ helped one client meet RMDs and still protect the full investment amount for their beneficiaries. It’s a nice way to calm those “forced withdrawal” concerns.

Discover new opportunities with our Annuity Product Portfolio. Whether your clients need guaranteed income, growth potential, or flexible withdrawal options, our solutions are built to support your business and address a wide range of client goals. Explore the portfolio and see how we can help you strengthen and expand your annuity strategy.

The Smart Start Accumulator Series offers clients a streamlined path toward their financial goals. To help you share product details with ease, we’ve created a new video that highlights the key features in a clear, engaging way. It’s a quick, effective tool to introduce the series and spark meaningful client conversations.

Wealth transfer could total $124 Trillion over the next 20 years. So you may want to ask yourself three questions …

1. What’s the best wealth transfer solution?
2. What happens after wealth is transferred?
3. Do you want to be part of this opportunity?

We have answers. Check out our new “Great Wealth Transfer” brochure. Get facts and tips to help you drive sales with money on the move.

Source: Cerulli Associate, $124 Trillion in Wealth will Transfer Through 2048, Dec. 5,2024