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Lincoln Financial

Lincoln OptiBlend 7

A Fixed Indexed Annuity with a 7-year surrender period.
This product is not available in *** *** *** *** *** *** *** *** ***

Ratings
	A.M. Best : A		Fitch: A+		Moody's: A2		Standard & Poor's: A+

Rates

	Current Rates xx/xx/xxxx		Next Rates xx/xx/xxxx		Guaranteed Minimum Values
Band $10,000+	Cap	Part Rate	Cap	Part Rate	Cap	Part Rate
1 Year S&P 500 10% Daily Risk Control 7 Year Trigger Lock	Trigger: 6.50			***	***	***	***	***
1 Year S&P 500 Dual Trigger	***	***	***	***	***	***
1-Year Capital Group Dividend Value ETF Participation	***	***	***	***	***	***
1-Year Nasdaq Priva Participation	***	***	***	***	***	***
1-Year S&P 500 10% Daily Risk Control Trigger	Trigger: 8.00			***	***	***	***	***
1-Year S&P 500 Participation	***	***	***	***	***	***
1-Year S&P 500 Performance Triggered	Trigger: 6.55			***	***	***	***	***
1-Year S&P 500 Point-to-Point with Cap	***	***	***	***	***	***
1-Year S&P 500 Point-to-Point with Cap 7-Year Lock	***	***	***	***	***	***
7 Year Multi-Year S&P 500 10% Daily Risk Control Participation	***	***	***	***	***	***
7 Year Multi-Year S&P 500 Participation	***	***	***	***	***	***
1-Year Fixed Account (Rate guaranteed for 1 Year)	.* %		.* %		.* %
Band $100,000+	Cap	Part Rate	Cap	Part Rate	Cap	Part Rate
1 Year S&P 500 10% Daily Risk Control 7 Year Trigger Lock	Trigger: 7.75			***	***	***	***	***
1 Year S&P 500 Dual Trigger	***	***	***	***	***	***
1-Year Capital Group Dividend Value ETF Participation	***	***	***	***	***	***
1-Year Nasdaq Priva Participation	***	***	***	***	***	***
1-Year S&P 500 10% Daily Risk Control Trigger	Trigger: 9.00			***	***	***	***	***
1-Year S&P 500 Participation	***	***	***	***	***	***
1-Year S&P 500 Performance Triggered	Trigger: 7.30			***	***	***	***	***
1-Year S&P 500 Point-to-Point with Cap	***	***	***	***	***	***
1-Year S&P 500 Point-to-Point with Cap 7-Year Lock	***	***	***	***	***	***
7 Year Multi-Year S&P 500 10% Daily Risk Control Participation	***	***	***	***	***	***
7 Year Multi-Year S&P 500 Participation	***	***	***	***	***	***
1-Year Fixed Account (Rate guaranteed for 1 Year)	.* %		.* %		.* %

State Specified Minimum Interest Rate: ****

Premium Bonus
- none -

Policy Notes

The @annuityname@ is a flexible premi --[ subscription required to view full text ]--
*** @***********@ ** * ******** ******* ***** ******* ******* **** * @*******@-**** ********* ****** ****** *** *** *********. *** @***********@ ******** ********** **** ** *** ********, ****-**** ******, *** * ***** ******* ****** **** *** ***** ******* ** ******** ****** **** ** **** ** **** ** ******* *** ** ****** ************.

*** @***********@ ** *** ** ********** ** *** ***** ******. ** ** * ***** ******* **** ******* ******** ***** ** ******** ***** ******* ******* ***** (********* *** *&* *** ***** **** ******* *% *****) *** *** ****** *********** ** *** **********.

*** @***********@ **** ****** * ***** ******* ****** **** * @*******************@ **** ******** **** ********* ********* ****** @********@%.

Provisions

Free Look Period:	****
(Free look period may vary by state)
Rate Lock Protection:	****
Bail Out Provision Available:	***
* * ***:	****
Loan Provision Available:	***
* * ***:	****
Tax Sheltered:	***

Market Value Adjustment:	***
MRD:	***
Front-End Fee:	***
Annual Maintenance Fee:	***
Return of Premium Available:	***
Death Benefit is:	* **

Premiums
	Non-Qual	Qualified
Min Single Premium:	****	*******
Max Single Premium:
Age < xx:	****	*******
Age > xx:	****	*******
Payroll Deduction:	****	****
Min Added Premium:	****	****
Flexible Premiums ******* :	****
Min Single Premium Impaired:	******	******
Min Single Premium Period Certain:	******	******

Age Restrictions
	Min Age	Non-Qual	Qualified
Owner:		*****	*****
Annuitant:	*****	*****	*****
Impaired:		*****	*****
Annuitization Age:		*****	*****
*** * * ** * **** * *** ** * **** * ****** * *** * * ** * **** * *** * * * ** * **** * *****

Systematic Withdrawals

Systematic withdrawals are ***** ** *** ****** ****
*****************: **** ****** **** *****

**** *** ***** ** $****.**
*** *** ****** *** $****.**
**** ***** ******* ***** ******* * ****** ***** ****

MVA Explanation

The MVA is a --[ subscription required to view full text ]--
*** *** ** * ******** ** ******** ********** ***** ** *** ******* ******** **** *********** ** *** **** ** *** *********. *** *** **** *** ***** ** *********** ***** *** ********* ****** ******, **% ****** **** **********, *** ***** ******* ** ********** *********.

Commissions
Effective date of commission schedule: 07/15/2025
Commissions are ***** *** * *** * *** * ** ***** ***.

Schedule A

Lincoln OptiBlend 7

Up to age 80

Year 1

Year 2

Year 3

Year 4

Year 5

Year 6

Year 7

Year 8

Initial Premium:

****

Renewal Premiums:

****

Ages 81+

Year 1

Year 2

Year 3

Year 4

Year 5

Year 6

Year 7

Year 8

Initial Premium:

****

Renewal Premiums:

****

Schedule B

Lincoln OptiBlend 7

Up to age 80

Year 1

Year 2

Year 3

Year 4

Year 5

Year 6

Year 7

Year 8

Initial Premium:

****

Renewal Premiums:

****

Trail:

Trail years ***+ is *****

Schedule C

Lincoln OptiBlend 7

Up to age 80

Year 1

Year 2

Year 3

Year 4

Year 5

Year 6

Year 7

Year 8

Initial Premium:

****

Renewal Premiums:

****

Trail:

Trail years ***+ is *****

Related Information

Other Lincoln Financial Products

MYGA

Lincoln MYGuarantee Plus 10
Lincoln MYGuarantee Plus 5
Lincoln MYGuarantee Plus 7

Fixed Indexed Annuity

Lincoln Core Capital
Lincoln Covered Choice 5 II
Lincoln FlexAdvantage 5
Lincoln FlexAdvantage 5 CA
Lincoln FlexAdvantage 7
Lincoln FlexAdvantage 7 CA
Lincoln FlexAdvantage Income 10
Lincoln FlexAdvantage Income 7
Lincoln FlexAdvantage Income 7 Access
Lincoln OptiBlend 10
Lincoln OptiBlend 10 CA
Lincoln OptiBlend 5
Lincoln OptiBlend 5 CA
Lincoln OptiBlend 7 CA
Lincoln OptiBlend Advisory 5
Lincoln OptiBlend Advisory 5 CA
Lincoln OptiBlend Income 10
Lincoln OptiBlend Income 7
Lincoln Set 5 II
Lincoln Set 5 II CA

SPIA

Lincoln Insured Income Immediate Annuity

Variable Annuity

American Legacy® Series ^sm (B Share)
Lincoln ChoicePlus Assurance^sm (B Share)
Lincoln Investor Advantage® Pro Advisory
Lincoln Investor Advantage® Pro Advisory Choice
Lincoln Investor Advantage® Pro B-Share
Lincoln Investor Advantage® Pro C-Share

RILA

Level Advantage 2 Advisory Index-Linked Annuity (AV DB)
Level Advantage 2 Advisory Index-Linked Annuity (GOP)
Level Advantage 2 B-Share Index-Linked Annuity (AV DB)
Level Advantage 2 B-Share Index-Linked Annuity (GOP)
Level Advantage 2 Income^sm Advisory
Lincoln Level Advantage 2 Income^sm B-Share

IOVA

Lincoln Investor Advantage® (B Shares)