Lincoln Financial has been keeping promises since 1905 — nearly 120 years of reliability. With an A+ rating from Standard & Poor’s and the historical distinction of being endorsed by Abraham Lincoln’s son, this is one of the most trusted names in the annuity world.

Their OptiBlend 5 Fixed Index Annuity is a great example of why.

Here’s what stands out:

Multiple S&P 500 indexing options for growth

10% penalty-free withdrawals starting in year one

No annual fees or hidden charges

Full principal protection from market losses

Issue ages up to 85

That first-year withdrawal feature alone separates it from nearly every other annuity on the market.

Why the S&P 500 Still Matters

After years of reviewing annuities, one thing is clear:

The fancier the index name, the worse it usually performs.

Many products today use hypothetical indexes like “AI-Enhanced Volatility Control” or “BlackRock ESG Equity.” The problem? Those results are backtested — not real.

The S&P 500, on the other hand, has:

Over 60 years of actual performance data

Consistent long-term growth

Real trading history, not computer modeling

When you choose an S&P 500–based fixed index annuity, you’re choosing proven reality over wishful thinking.

A Smart Short-Term Bridge

Not everyone needs a 10-year annuity or immediate lifetime income. A five-year term like the OptiBlend 5 gives you flexibility.

It’s ideal if you’re:

Retiring soon and want to lock in recent gains

Waiting for rates to stabilize before taking income

Diversifying across multiple annuity terms

Testing how annuities fit your retirement plan

It’s a simple way to protect your principal now — and reevaluate when your term ends.

Real Protection, Real Numbers

Let’s look at a simple example:

Scenario	Market Investment	Lincoln OptiBlend 5
Starting Balance	$500,000	$500,000
Market drops 30%	$350,000	$500,000
Withdraw $50,000	$300,000	$450,000
Recovery needed to break even	67%	None

The difference?
The OptiBlend 5 protects every dollar of your principal while still offering growth potential when the market rises.

Features That Actually Matter

Forget the marketing noise — these are the details that count:

RMD Friendly: Required minimum distributions come out penalty-free.

Health Waivers: Full access if you face a terminal illness or nursing care need.

True Liquidity: That 10% first-year withdrawal is real, not buried in fine print.

No Fees: Simple, clean structure without annual charges.

Who It’s For

The Lincoln OptiBlend 5 fits retirees who:

Have at least $10,000 to protect

Want a 5-year contract (not 10+)

Value stability and transparency

Prefer established S&P 500 performance over hypothetical indexes

Are between ages 50 and 85

It’s not for aggressive investors chasing the highest returns. But for those wanting protection with reasonable growth, it checks every box.

The Bottom Line

In today’s world of complicated, over-marketed annuities, sometimes the smartest move is the simplest one.

The Lincoln OptiBlend 5 offers:

Principal protection

Flexible access

Real indexing options

A company with over a century of trust

Protect your savings now. Capture potential growth. Keep your options open for the future.

Ready to see if the OptiBlend 5 fits your plan?
Visit AtlasAnnuity.com to watch our free video series or schedule a consultation. We’ll help you understand exactly how this annuity works — without the sales pitch.

Because the best fixed index annuity isn’t the one with the biggest bonus…
It’s the one that actually does what you need it to do.