On The Move – June 17, 2025

June 18, 2025 – Effective Date of Change

Lincoln Financial

Lincoln OptiBlend 10 10,000+

• 1 Year BlackRock Dynamic Allocation Participation:  Part Rate 175%
• 1-Year S&P 500 Performance Triggered:  Cap 7% 
• 1-Year S&P 500 5% Daily Risk Control ER Spread:  Spread 0.25% 
• 1-Year Fixed Account:  Rate: 4.2%
• 1-Year S&P 500 Point-to-Point with Cap:  Cap 8.5% 
• 1-Year S&P 500 Participation:  Part Rate 55%
• 1-Year S&P 500 10% Daily Risk Control Trigger:  Cap 8.75% 
• 1 Year S&P 500 Dual Trigger:  Cap 6% 
• 1 Year S&P 500 10% DRC with a 5-Year Trigger Lock:  Cap 6.85% 
• 5-Year Multi-Year S&P 500 10% Daily Risk Control Participation:  Part Rate 160%
• 5-Year Multi-Year S&P 500 Participation:  Part Rate 75%

Lincoln OptiBlend 10 100,000+

• 5-Year Multi-Year S&P 500 Participation:  Part Rate 85%
• 5-Year Multi-Year S&P 500 10% Daily Risk Control Participation:  Part Rate 170%
• 1 Year S&P 500 10% DRC with a 5-Year Trigger Lock:  Cap 8.5% 
• 1 Year S&P 500 Dual Trigger:  Cap 7% 
• 1-Year S&P 500 10% Daily Risk Control Trigger:  Cap 10.25% 
• 1-Year S&P 500 5% Daily Risk Control ER Spread : 
• 1-Year S&P 500 Participation:  Part Rate 60%
• 1-Year S&P 500 Point-to-Point with Cap:  Cap 10% 
• 1-Year Fixed Account:  Rate: 4.75%
• 1-Year S&P 500 Performance Triggered:  Cap 8.25% 
• 1 Year BlackRock Dynamic Allocation Participation:  Part Rate 200%

Lincoln OptiBlend 10 CA 10,000+

• 1 Year BlackRock Dynamic Allocation Participation:  Part Rate 165%
• 1-Year S&P 500 Performance Triggered:  Cap 6.5% 
• 1-Year S&P 500 5% Daily Risk Control ER Spread:  Spread 0.25% 
• 1-Year S&P 500 Point-to-Point with Cap:  Cap 7.5% 
• 1-Year Fixed Account:  Rate: 3.85%
• 1-Year S&P 500 Participation:  Part Rate 45%
• 1-Year S&P 500 10% Daily Risk Control Trigger:  Cap 8.25% 
• 1 Year S&P 500 Dual Trigger:  Cap 5.5% 
• 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 S&P 500 Dual Trigger:  Cap 6.5% 
• 1-Year S&P 500 10% Daily Risk Control Trigger:  Cap 10% 
• 1-Year S&P 500 Participation:  Part Rate 58%
• 1-Year Fixed Account:  Rate: 4.6%
• 1-Year S&P 500 Point-to-Point with Cap:  Cap 9.75% 
• 1-Year S&P 500 5% Daily Risk Control ER Spread: 
• 1-Year S&P 500 Performance Triggered:  Cap 8% 
• 1 Year BlackRock Dynamic Allocation Participation:  Part Rate 185%

Lincoln OptiBlend 5 10,000+

• 1 Year BlackRock Dynamic Allocation Participation:  Part Rate 150%
• 1-Year S&P 500 Performance Triggered:  Cap 6.85% 
• 1-Year S&P 500 5% Daily Risk Control ER Spread:  Spread 0.25% 
• 1-Year S&P 500 Participation:  Part Rate 45%
• 1-Year S&P 500 Point-to-Point with Cap:  Cap 7.5% 
• 1-Year Fixed Account:  Rate: 3.55%
• 1-Year S&P 500 10% Daily Risk Control Trigger:  Cap 8.5% 
• 1 Year S&P 500 Dual Trigger:  Cap 6% 
• 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 8.25% 
• 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 Dual Trigger:  Cap 7% 
• 1-Year S&P 500 10% Daily Risk Control Trigger:  Cap 9.75% 
• 1-Year Fixed Account:  Rate: 4.3%
• 1-Year S&P 500 Point-to-Point with Cap:  Cap 8.5% 
• 1-Year S&P 500 Participation:  Part Rate 55%
• 1-Year S&P 500 5% Daily Risk Control ER Spread: 
• 1-Year S&P 500 Performance Triggered:  Cap 8% 
• 1 Year BlackRock Dynamic Allocation Participation:  Part Rate 175%

Lincoln OptiBlend 5 CA 10,000+

• 1 Year BlackRock Dynamic Allocation Participation:  Part Rate 155%
• 1-Year S&P 500 Performance Triggered:  Cap 6.25% 
• 1-Year S&P 500 Point-to-Point with Cap:  Cap 7.5% 
• 1-Year S&P 500 Participation:  Part Rate 40%
• 1-Year Fixed Account:  Rate: 3%
• 1-Year S&P 500 5% Daily Risk Control ER Spread:  Spread 0.25% 
• 1-Year S&P 500 10% Daily Risk Control Trigger:  Cap 8% 
• 1 Year S&P 500 Dual Trigger:  Cap 5.5% 
• 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 Dual Trigger:  Cap 6.75% 
• 1-Year S&P 500 10% Daily Risk Control Trigger:  Cap 9% 
• 1-Year Fixed Account:  Rate: 4%
• 1-Year S&P 500 Participation:  Part Rate 50%
• 1-Year S&P 500 Point-to-Point with Cap:  Cap 8.5% 
• 1-Year S&P 500 Performance Triggered:  Cap 7.25% 
• 1-Year S&P 500 5% Daily Risk Control ER Spread: 
• 1 Year BlackRock Dynamic Allocation Participation:  Part Rate 165%

Lincoln OptiBlend 7 10,000+

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

Lincoln OptiBlend 7 100,000+

• 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 S&P 500 10% Daily Risk Control 7 Year Trigger Lock:  Cap 8.25% 
• 1 Year S&P 500 Dual Trigger:  Cap 7% 
• 1-Year S&P 500 10% Daily Risk Control Trigger:  Cap 9.75% 
• 1-Year S&P 500 5% Daily Risk Control ER Spread: 
• 1-Year S&P 500 Point-to-Point with Cap:  Cap 9.75% 
• 1-Year Fixed Account:  Rate: 4.65%
• 1-Year S&P 500 Participation:  Part Rate 58%
• 1-Year S&P 500 Performance Triggered :  Cap 8% 
• 1 Year BlackRock Dynamic Allocation Participation:  Part Rate 200%

Lincoln OptiBlend 7 CA 10,000+

• 1 Year BlackRock Dynamic Allocation Participation:  Part Rate 165%
• 1-Year S&P 500 Performance Triggered :  Cap 6.25% 
• 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% 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 Dual Trigger:  Cap 5.5% 
• 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 S&P 500 Dual Trigger:  Cap 6.5% 
• 1-Year S&P 500 10% Daily Risk Control Trigger:  Cap 9.5% 
• 1-Year S&P 500 5% Daily Risk Control ER Spread: 
• 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 S&P 500 Performance Triggered :  Cap 7.5% 
• 1 Year BlackRock Dynamic Allocation Participation:  Part Rate 185%

Lincoln OptiBlend Advisory 5 10,000+

• 1-Year Fixed Account:  Rate: 4.25%
• 1-Year S&P 500 Point-to-Point with Cap:  Cap 8.25% 
• 1-Year S&P 500 Participation :  Part Rate 55%
• 1-Year S&P 500 5% Daily Risk Control ER Spread:  Spread 0.25% 
• 1-Year S&P 500 Performance Triggered :  Cap 7.25% 
• 1-Year S&P 500 10% Daily Risk Control Trigger:  Cap 9.5% 
• 1 Year S&P 500 Dual Trigger:  Cap 6.75% 
• 1 Year S&P 500 10% DRC Trigger 5Y Lock:  Cap 7.25% 
• 5-Year S&P 500 10% Daily Risk Control Participation:  Part Rate 145%
• 5-Year S&P 500 Participation:  Part Rate 70%

New rates mean new opportunities—are you ready to lead the annuity conversation?

With carriers adjusting rates and clients looking for stability, there’s never been a better time to talk about annuities. The IAMS 2025 Annuity Awareness Month Sales Kit gives you the tools, language, and resources to turn interest into action. The kit includes:

• Top Annuity Solutions for 2025
• Client data forms and fact-finders
• Plug-and-play social media posts
• PowerPoint presentations
• A Volatility Risk flyer
• Exclusive market studies
• Concept pages, email templates, and more! 

Leverage this opportunity to start the annuity conversation with your clients today. Click below to request the kit.