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Fixed Indexed Annuities
Company / Product / Account Index Product Type Surender
Charges 		Premium
Bonus 		Last
Change 		Part Rate Spread Cap Commissions
Age: Rate
Reset Averaging Min Part Rate Max Spread Min Cap
Surrender Charges Last 9 Years
Lincoln Financial Group
Lincoln OptiChoice 9 - High
Fixed
Fixed 9
Years 		  03/01/10 3.00% 1-Yr Fixed 0-75: 7.00+
76-80: 5.25+
Min Rates: 1.75
Lincoln Financial Group
Lincoln OptiChoice 9 - Low
Fixed
Fixed 9
Years 		  03/01/10 2.80% 1-Yr Fixed 0-75: 7.00+
76-80: 5.25+
Min Rates: 1.75
Lincoln Financial Group
Lincoln OptiChoice 9 - Low
1-Year Monthly Cap
S&P 500 Point to Point 9
Years 		  03/01/10     2.35 0-75: 7.00+
76-80: 5.25+
Annual Monthly Sum Min Rates: 100 0.00 1.00
Lincoln Financial Group
Lincoln OptiChoice 9 - Low
1-Year Monthly Average
S&P 500 Point to Point 9
Years 		  03/01/10   9.00   0-75: 7.00+
76-80: 5.25+
Annual Monthly Min Rates: 100 9.00  
Lincoln Financial Group
Lincoln OptiChoice 9 - Low
1-Year Point-to-Point
S&P 500 Point to Point 9
Years 		  03/01/10     5.45 0-75: 7.00+
76-80: 5.25+
Annual None Min Rates: 100 0.00 2.50
Lincoln Financial Group
Lincoln OptiChoice 9 - High
1-Year Point-to-Point
S&P 500 Point to Point 9
Years 		  03/01/10     5.90 0-75: 7.00+
76-80: 5.25+
Annual None Min Rates: 100 0.00 2.50
Lincoln Financial Group
Lincoln OptiChoice 9 - High
1-Year Monthly Average
S&P 500 Point to Point 9
Years 		  03/01/10   9.00   0-75: 7.00+
76-80: 5.25+
Annual Monthly Min Rates: 100 9.00  
Lincoln Financial Group
Lincoln OptiChoice 9 - High
1-Year Monthly Cap
S&P 500 Point to Point 9
Years 		  03/01/10     2.50 0-75: 7.00+
76-80: 5.25+
Annual Monthly Sum Min Rates: 100 0.00 1.00
Surrender Charges Last 8 Years
Lincoln Financial Group
Lincoln New Directions 8 - High
Fixed
Standard 8
Years 		  03/01/10 3.35% 8 Yrs MYGA 0-75: 4.50+
76-80: 3.50+
81-85: 2.25+
Min Rates: 2.00
Lincoln Financial Group
Lincoln New Directions 8 - Low
Fixed
Standard 8
Years 		  03/01/10 3.20% 8 Yrs MYGA 0-75: 4.50+
76-80: 3.50+
81-85: 2.25+
Min Rates: 2.00
Lincoln Financial Group
Lincoln New Directions 8 - Low
Performance Triggered
S&P 500 Performance Triggered 8
Years 		  03/01/10     5.75 0-75: 4.50+
76-80: 3.50+
81-85: 2.25+
Annual None Min Rates: 100 0.00 2.50
Lincoln Financial Group
Lincoln New Directions 8 - Low
2-Year Point to Point
S&P 500 Point to Point 8
Years 		  03/01/10     14.10 0-75: 4.50+
76-80: 3.50+
81-85: 2.25+
Biennial None Min Rates: 100 0.00 7.00
Lincoln Financial Group
Lincoln New Directions 8 - High
Performance Triggered
S&P 500 Performance Triggered 8
Years 		  03/01/10     6.00 0-75: 4.50+
76-80: 3.50+
81-85: 2.25+
Annual None Min Rates: 100 0.00 2.50
Lincoln Financial Group
Lincoln New Directions 8 - High
2-Year Point to Point
S&P 500 Point to Point 8
Years 		  03/01/10     14.85 0-75: 4.50+
76-80: 3.50+
81-85: 2.25+
Biennial None Min Rates: 100 0.00 7.00
Surrender Charges Last 7 Years
Lincoln Financial Group
Lincoln OptiChoice 7 - High
Fixed
Fixed 7
Years 		  03/01/10 2.80% 1-Yr Fixed 0-75: 6.00+
76-80: 4.50+
81-85: 3.00+
Min Rates: 1.50
Lincoln Financial Group
Lincoln OptiChoice 7 - Low
Fixed
Fixed 7
Years 		  03/01/10 2.65% 1-Yr Fixed 0-75: 6.00+
76-80: 4.50+
81-85: 3.00+
Min Rates: 1.50
Lincoln Financial Group
Lincoln OptiChoice 7 - Low
1-Year Point-to-Point
S&P 500 Point to Point 7
Years 		  03/01/10     5.15 0-75: 6.00+
76-80: 4.50+
81-85: 3.00+
Annual None Min Rates: 100 0.00 2.50
Lincoln Financial Group
Lincoln OptiChoice 7 - Low
1-Year Monthly Average
S&P 500 Point to Point 7
Years 		  03/01/10   9.00   0-75: 6.00+
76-80: 4.50+
81-85: 3.00+
Annual Monthly Min Rates: 100 9.00  
Lincoln Financial Group
Lincoln OptiChoice 7 - Low
1-Year Monthly Cap
S&P 500 Point to Point 7
Years 		  03/01/10     2.25 0-75: 6.00+
76-80: 4.50+
81-85: 3.00+
Annual Monthly Sum Min Rates: 100 0.00 1.00
Lincoln Financial Group
Lincoln OptiChoice 7 - High
1-Year Monthly Cap
S&P 500 Point to Point 7
Years 		  03/01/10     2.35 0-75: 6.00+
76-80: 4.50+
81-85: 3.00+
Annual Monthly Sum Min Rates: 100 0.00 1.00
Showing 1-20 of 36    Display: Page:   1 | 2

Seek complete details and the suitability of any product from a qualified licensed insurance professional. Verify with your MGA all interest rates, state approvals, and commissions prior to contracting. Changes may occur without notice.

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"Guaranteed Yield to Surrender" expresses the annualized return on premium, assuming no withdrawals, based on interest credited on a guaranteed basis, for the duration of the surrender period.

"Current Yield to Surrender" expresses the annualized return on premium, assuming no withdrawals, based on a current “base rate” issued by the carrier for the duration of the surrender period

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