| Lincoln National |
|
OptiChoice 7 |
| A+ |
| 7 Year(s) |
| 00-85 |
| S&P Annual Cap, Monthly Cap, and Fixed Account |
| Cap |
Cap |
|
|
| S&P |
S&P |
|
|
| $100k |
$2k++ |
|
|
| 100% |
100% |
|
|
| 3.30% |
3.00% |
|
|
| No |
No |
|
|
| No |
No |
|
|
| No |
No |
|
|
| 1.85% |
1.70% |
|
|
| Flexible |
| 60 days on all transfers and exchanges that Lincoln initiates |
| 100% |
| No |
| Annual Cap- 2.5%, Monthly Cap - 1% |
| Yes |
| |
| 1.50% on 100% |
| Yes |
| 0.40% |
| Yes |
| No |
| Annual Reset |
| Only on spread strategy if optioned for |
| Yes, Annual Cap, Monthly Cap, Monthly Av |
| |
| Yes, Up to 100% in the 30 days following each anniversary |
| 1.50% |
| Yes |
| Yes |
| No |
| 9,8,7,6,5,4,3 |
| Full account value is calculated up the day of death of the owner and paid out to the beneficiaries in a lump sum. Even though your gains normally will lock in annually, Lincoln will lock in all gains up to that day. |
| 10% starting in the 2nd year |
| No |
| None |
| Yes:
If you are confined to a nursing home or hospital for at least 30 consecutive days,beginning after the first contract anniversary. |
| Yes:
If first diagnosed with a terminal illness after the contract issue date. |
| No |
| Yes:You can annuitize the full accumulation value and time after the 5th contract year. |
| $2 million without home office approval |
| $2k for Qualified, $5k for Non-Qualified |
6.00%
4.50%
3.00%
|
00-75
76-80
81-85
|
|
| |
| Lincoln Financial has had some of the best renewal rates in the history of indexed products. Call IPG for specifics and for actual renewal rate history. |
| Not Available in NY |
| Click Here |
| Click Here |
| OptiChoice 7 Client Sales Literature |
OptiChoice 7 Agent Sales Literature |
Click Here  |
|
| Click Here |
Click Here  |
Facebook 
Twitter
