Safeguarding Assets in OptiBlend FIA!

Did you know that 2024 will be a record-breaking year for retirement in the US as more Americans are turning 65 in fact approximately 11K Americans turning 65 each day!*

Let’s help safeguard assets for clients seeking growth and safety.  The Lincoln Financial OptiBlend Fixed Indexed Annuity offers both!  The 1 Year S&P500 Performance Triggered Index is just one option offered in the Lincoln Financial OptiBlend that is a very compelling option to consider. The Lincoln Financial OptiBlend 7 current 1 Year S&P500 Performance Triggered Index rate for 100k or more is 9% effective 3/18/24 which will credit the entire rate as long as the S&P500 is flat or up anything for the policy year. 100% protection for clients if the S&P500 is negative for the policy year.

100% allocation 1 Year S&P500 Performance Triggered Index assuming current rate of 9% for 100k or more in the OptiBlend 7.

• If the S&P500 is negative 1 year out of 7 years = Average return 7.7%
• If the S&P500 is negative 2 years out of 7 years = Average return 6.42%
• If the S&P500 is negative 3 years out of 7 years = Average return 5.14%

What if a client doesn’t want to see a 0% crediting? Consider a 50/50 allocation between the 1 Year S&P500 Performance Triggered Index at 9% and the Fixed Account Rate at 4.6%

• In a policy year that the S&P500 is negative the blended return at current rates would be 2.3% because of the fixed rate crediting regardless of the S&P500 performance.
• In a policy year that the S&P500 is positive the 1 Year S&P500 Performance Triggered Index and the Fixed Account rate would both credit for a blended return of 6.8%.

Reminder that we accept premium amounts up to $2 million, anything above can be considered on an exception basis.