Lincoln Financial Group Enhances Its Fixed Indexed Annuities With Innovative Crediting Strategies
Dual Trigger account option, available with all Lincoln Financial fixed indexed annuities, offers upside growth potential in up, flat or down markets with 100% downside protection
This enhancement comes as consumers express concerns about inflation (66%), losing money on investments (42%) and market volatility (38%), according to recent data from Lincoln Financial1. The same recent study also shows that most consumers (61%) are looking for investments that offer an equal mix of growth and protection.
“The demand for products that protect principal and offer growth opportunities will continue to be strong in the coming years, with industry experts forecasting that fixed indexed annuity sales will reach nearly
In addition to the Dual Trigger option, Lincoln is introducing the 1 Year S&P 500® 10% Daily Risk Control Trigger for Lincoln OptiBlend® fixed indexed annuity to offer opportunities for more growth potential in up or flat markets. With a trigger on the S&P 500® 10% Daily Risk Control index, clients may have the potential for a higher trigger crediting rate than one associated with the traditional S&P 500® index.
Lincoln Financial fixed indexed annuities offer a variety of crediting strategies to support individuals’ unique investing goals.
“Approximately 4.1 million Americans will turn 65 this year – and every year through 20273. As this historic surge reaches retirement age, Lincoln Financial is committed to helping investors protect their hard-earned savings,” said
As the most trusted annuity provider among all financial professionals4, Lincoln Financial continues to broaden its annuity product portfolio to help clients reach their retirement income goals. In 2023, Lincoln Financial worked with over 22,000 financial professionals to provide new annuity contracts to clients.
For more information about Lincoln Financial fixed indexed annuities, visit: https://www.lincolnfinancial.com/public/individuals/products/annuities/fixedindexedannuities
About
1Source: Lincoln Financial Consumer Sentiment Tracker,
2Source: LIMRA,
3Source:
4Source: Cogent Syndicated, Annuity Brandscape®,
Important information:
Lincoln Financial Group® affiliates, their distributors, and their respective employees, representatives, and/or insurance agents do not provide tax, accounting, or legal advice. Please consult an independent professional as to any tax, accounting, or legal statements made herein.
A fixed indexed annuity is intended for retirement or other long-term needs. It is intended for a person who has sufficient cash or other liquid assets for living expenses and other unexpected emergencies, such as medical expenses. A fixed indexed annuity is not a registered security or stock market investment and does not directly participate in any stock or equity investments, or index.
Lincoln OptiBlend® fixed indexed annuities (contract form ICC1515-619 and state variations) are issued by
This annuity does not participate directly in any stock or equity investment and does not include the purchase of shares of stock or an index. The indexed accounts use an outside market index as a benchmark for determining indexed account earnings. Any dividends paid on the stocks on which the index is based do not increase the annuity earnings. All payments and values provided by the contract, when based on performance of the indexed account, are not guaranteed to be equivalent to the benchmarking index. The composition of the index and the methodology used by the index to calculate its performance are not guaranteed and may be changed at any time by the index provider.
The exact terms of the annuity are contained in the contracts and any attached riders, endorsements and amendments, which will control the issuing company’s contractual obligations.
Income taxes are due upon withdrawal and if withdrawn before age 59½, an additional 10% federal tax may apply. Withdrawals and surrenders may be subject to surrender charges and a Market Value Adjustment.
There is no additional tax-deferral benefit for contracts purchased in an IRA or other tax-qualified plan, since they are already afforded tax-deferred status. The S&P 500® Index, the S&P 500® Daily Risk Control 5% Index and the S&P 500® Daily Risk Control 10% Index are products of
Product and features are subject to state availability. Limitations and exclusions may apply. Not available in
LCN-6411894-022024
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Mallory.Horshaw@lfg.com
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