On The Move – July 15, 2025

July 18, 2025 – Effective Date of Change

Lincoln Financial

Lincoln OptiBlend 10 100,000+

• 5 Year Multi-Year S&P 500 10% Daily Risk Control Participation:  Part Rate 170%
• 5 Year Multi-Year S&P 500 Participation:  Part Rate 82%
• 1 Year S&P 500 10% DRC with a 5 Year Trigger Lock:  Cap 8.5% 
• 1-Year S&P 500 Point-to-Point with Cap:  Cap 9.65% 
• 1-Year S&P 500 Participation:  Part Rate 60%
• 1-Year Fixed Account:  Rate: 4.55%
• 1 Year BlackRock Dynamic Allocation Participation:  Part Rate 200%
• 1-Year S&P 500 Performance Triggered :  Cap 8.05% 
• 1-Year S&P 500 5% Daily Risk Control ER Spread : 
• 1 Year S&P 500 Dual Trigger:  Cap 7% 
• 1-Year S&P 500 10% Daily Risk Control Trigger:  Cap 10% 

Lincoln OptiBlend 10 CA 10,000+

• 1 Year S&P 500 Dual Trigger:  Cap 5.5% 
• 1-Year S&P 500 10% Daily Risk Control Trigger:  Cap 8.25% 
• 1-Year S&P 500 5% Daily Risk Control ER Spread:  Spread 0.25% 
• 1-Year S&P 500 Performance Triggered :  Cap 6.5% 
• 1 Year BlackRock Dynamic Allocation Participation:  Part Rate 165%
• 1-Year S&P 500 Point-to-Point with Cap:  Cap 7.5% 
• 1-Year S&P 500 Participation :  Part Rate 45%
• 1-Year Fixed Account:  Rate: 3.85%
• 1 Year S&P 500 10% DRC Trigger 5Y Lock:  Cap 6.5% 

Lincoln OptiBlend 10 CA 100,000+

• 1 Year S&P 500 10% DRC Trigger 5Y Lock:  Cap 8.25% 
• 1-Year Fixed Account:  Rate: 4.6%
• 1-Year S&P 500 Participation :  Part Rate 58%
• 1-Year S&P 500 Point-to-Point with Cap:  Cap 9.75% 
• 1 Year BlackRock Dynamic Allocation Participation:  Part Rate 185%
• 1-Year S&P 500 Performance Triggered :  Cap 8% 
• 1-Year S&P 500 5% Daily Risk Control ER Spread: 
• 1-Year S&P 500 10% Daily Risk Control Trigger:  Cap 10% 
• 1 Year S&P 500 Dual Trigger:  Cap 6.5% 

Lincoln OptiBlend 5 10,000+

• 1-Year S&P 500 10% Daily Risk Control Trigger:  Cap 8.25% 
• 1-Year S&P 500 5% Daily Risk Control ER Spread:  Spread 0.25% 
• 1 Year S&P 500 Dual Trigger:  Cap 6% 
• 1-Year S&P 500 Performance Triggered :  Cap 6.75% 
• 1 Year BlackRock Dynamic Allocation Participation:  Part Rate 150%
• 1-Year S&P 500 Participation :  Part Rate 45%
• 1-Year Fixed Account:  Rate: 3.55%
• 1-Year S&P 500 Point-to-Point with Cap:  Cap 7.5% 
• 5 Year Multi-Year S&P 500 10% Daily Risk Control Participation:  Part Rate 140%
• 5 Year Multi-Year S&P 500 Participation:  Part Rate 65%
• 1 Year S&P 500 10% Daily Risk Control Trigger Lock:  Cap 6.65% 

Lincoln OptiBlend 5 100,000+

• 1 Year S&P 500 10% Daily Risk Control Trigger Lock:  Cap 8% 
• 5 Year Multi-Year S&P 500 Participation:  Part Rate 75%
• 5 Year Multi-Year S&P 500 10% Daily Risk Control Participation:  Part Rate 150%
• 1-Year S&P 500 Point-to-Point with Cap:  Cap 8.5% 
• 1-Year Fixed Account:  Rate: 4.15%
• 1-Year S&P 500 Participation :  Part Rate 55%
• 1 Year BlackRock Dynamic Allocation Participation:  Part Rate 175%
• 1-Year S&P 500 Performance Triggered :  Cap 7.75% 
• 1 Year S&P 500 Dual Trigger:  Cap 6.75% 
• 1-Year S&P 500 5% Daily Risk Control ER Spread: 
• 1-Year S&P 500 10% Daily Risk Control Trigger:  Cap 9.5% 

Lincoln OptiBlend 5 CA 10,000+

• 1 Year S&P 500 Dual Trigger:  Cap 5.25% 
• 1-Year S&P 500 10% Daily Risk Control Trigger:  Cap 7.75% 
• 1-Year S&P 500 5% Daily Risk Control ER Spread:  Spread 0.25% 
• 1-Year S&P 500 Performance Triggered :  Cap 6% 
• 1 Year BlackRock Dynamic Allocation Participation:  Part Rate 155%
• 1-Year S&P 500 Point-to-Point with Cap:  Cap 7.25% 
• 1-Year Fixed Account:  Rate: 3%
• 1-Year S&P 500 Participation :  Part Rate 40%
• 1 Year S&P 500 10% DRC Trigger 5Y Lock:  Cap 5.75% 

Lincoln OptiBlend 5 CA 100,000+

• 1 Year S&P 500 10% DRC Trigger 5Y Lock:  Cap 7.25% 
• 1-Year S&P 500 Participation :  Part Rate 50%
• 1-Year Fixed Account:  Rate: 4%
• 1-Year S&P 500 Point-to-Point with Cap:  Cap 8.5% 
• 1 Year BlackRock Dynamic Allocation Participation:  Part Rate 165%
• 1-Year S&P 500 Performance Triggered :  Cap 7.25% 
• 1-Year S&P 500 5% Daily Risk Control ER Spread: 
• 1-Year S&P 500 10% Daily Risk Control Trigger:  Cap 9% 
• 1 Year S&P 500 Dual Trigger:  Cap 6.5% 

Lincoln OptiBlend 7 10,000+

• 1-Year S&P 500 10% Daily Risk Control Trigger:  Cap 8.5% 
• 1-Year S&P 500 5% Daily Risk Control ER Spread:  Spread 0.25% 
• 1 Year S&P 500 Dual Trigger:  Cap 6% 
• 1-Year S&P 500 Performance Triggered :  Cap 7% 
• 1 Year BlackRock Dynamic Allocation Participation:  Part Rate 175%
• 1-Year S&P 500 Participation:  Part Rate 50%
• 1-Year S&P 500 Point-to-Point with Cap:  Cap 8.25% 
• 1-Year Fixed Account:  Rate: 4.2%
• 7 Year Multi-Year S&P 500 10% Daily Risk Control Participation:  Part Rate 150%
• 7 Year Multi-Year S&P 500 Participation:  Part Rate 70%
• 1 Year S&P 500 10% Daily Risk Control 7 Year Trigger Lock:  Cap 6.65% 

Lincoln OptiBlend 7 100,000+

• 1 Year S&P 500 10% Daily Risk Control 7 Year Trigger Lock:  Cap 8.25% 
• 7 Year Multi-Year S&P 500 Participation:  Part Rate 80%
• 7 Year Multi-Year S&P 500 10% Daily Risk Control Participation:  Part Rate 160%
• 1-Year Fixed Account:  Rate: 4.5%
• 1-Year S&P 500 Point-to-Point with Cap:  Cap 9.5% 
• 1-Year S&P 500 Participation:  Part Rate 58%
• 1 Year BlackRock Dynamic Allocation Participation:  Part Rate 200%
• 1-Year S&P 500 Performance Triggered :  Cap 8% 
• 1 Year S&P 500 Dual Trigger:  Cap 7% 
• 1-Year S&P 500 5% Daily Risk Control ER Spread: 
• 1-Year S&P 500 10% Daily Risk Control Trigger:  Cap 9.75% 

Lincoln OptiBlend 7 CA 10,000+

• 1-Year S&P 500 10% Daily Risk Control Trigger:  Cap 7.75% 
• 1 Year S&P 500 Dual Trigger:  Cap 5.5% 
• 1-Year S&P 500 5% Daily Risk Control ER Spread:  Spread 0.25% 
• 1-Year S&P 500 Performance Triggered :  Cap 6.25% 
• 1 Year BlackRock Dynamic Allocation Participation:  Part Rate 165%
• 1-Year S&P 500 Point-to-Point with Cap:  Cap 7.25% 
• 1-Year S&P 500 Participation:  Part Rate 45%
• 1-Year Fixed Account:  Rate: 3.75%
• 1 Year S&P 500 10% DRC Trigger 7Y Lock:  Cap 6.25% 

Lincoln OptiBlend 7 CA 100,000+

• 1 Year S&P 500 10% DRC Trigger 7Y Lock:  Cap 8% 
• 1-Year Fixed Account:  Rate: 4.35%
• 1-Year S&P 500 Participation:  Part Rate 55%
• 1-Year S&P 500 Point-to-Point with Cap:  Cap 9.25% 
• 1 Year BlackRock Dynamic Allocation Participation:  Part Rate 185%
• 1-Year S&P 500 Performance Triggered :  Cap 7.5% 
• 1-Year S&P 500 5% Daily Risk Control ER Spread: 
• 1 Year S&P 500 Dual Trigger:  Cap 6.5% 
• 1-Year S&P 500 10% Daily Risk Control Trigger:  Cap 9.5%