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Fixed Indexed Annuities
Company / Product / Account Index Product Type Surender
Charges 		Premium
Bonus 		Bail
Out 		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 Account
Fixed 9
Years 		      02/01/12 1.30% 1-Yr Fixed 0-75: 7.00+
76-80: 5.25+
Min Rates:
Lincoln Financial Group
Lincoln OptiChoice 9 - Low
Fixed Account
Fixed 9
Years 		      02/01/12 1.15% 1-Yr Fixed 0-75: 7.00+
76-80: 5.25+
Min Rates:
Lincoln Financial Group
Lincoln OptiChoice 9 - High
1-Year Monthly Cap
S&P 500 Point to Point 9
Years 		      02/01/12     1.60 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
Performance Triggered
S&P 500 Performance Triggered 9
Years 		      02/01/12     2.50 0-75: 7.00+
76-80: 5.25+
Annual None Min Rates:     2.50
Lincoln Financial Group
Lincoln OptiChoice 9 - High
Performance Triggered
S&P 500 Performance Triggered 9
Years 		      02/01/12     2.50 0-75: 7.00+
76-80: 5.25+
Annual None Min Rates:     2.50
Lincoln Financial Group
Lincoln OptiChoice 9 - Low
1-Year Monthly Cap
S&P 500 Point to Point 9
Years 		      02/01/12     1.50 0-75: 7.00+
76-80: 5.25+
Annual Monthly Sum Min Rates: 100 0.00 1.00
Lincoln Financial Group
Lincoln OptiChoice 9 - High
1-Year Monthly Average
S&P 500 Point to Point 9
Years 		      02/01/12   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 Monthly Average
S&P 500 Point to Point 9
Years 		      02/01/12   9.00   0-75: 7.00+
76-80: 5.25+
Annual Monthly Min Rates: 100 9.00  
Surrender Charges Last 8 Years
Lincoln Financial Group
Lincoln New Directions 8 - High
Fixed Account
Standard 8
Years 		      02/01/12 1.85% 8 Yrs MYGA 0-75: 4.50+
76-80: 3.50+
81-85: 2.25+
Min Rates:
Lincoln Financial Group
Lincoln New Directions 8 - Low
Fixed Account
Standard 8
Years 		      02/01/12 1.70% 8 Yrs MYGA 0-75: 4.50+
76-80: 3.50+
81-85: 2.25+
Min Rates:
Lincoln Financial Group
Lincoln New Directions 8 - High
Performance Triggered Indexed Account
S&P 500 Performance Triggered 8
Years 		      02/01/12     3.20 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 Indexed Account
S&P 500 Point to Point 8
Years 		      02/01/12     7.45 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 - Low
Performance Triggered Indexed Account
S&P 500 Performance Triggered 8
Years 		      02/01/12     3.00 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 - Low
2-Year Point-to-Point Indexed Account
S&P 500 Point to Point 8
Years 		      02/01/12     7.00 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 Account
Fixed 7
Years 		      02/01/12 1.20% 1-Yr Fixed 0-75: 6.00+
76-80: 4.50+
81-85: 3.00+
Min Rates:
Lincoln Financial Group
Lincoln OptiChoice 7 - Low
Fixed Account
Fixed 7
Years 		      02/01/12 1.05% 1-Yr Fixed 0-75: 6.00+
76-80: 4.50+
81-85: 3.00+
Min Rates:
Lincoln Financial Group
Lincoln OptiChoice 7 - Low
Performance Triggered
S&P 500 Performance Triggered 7
Years 		      02/01/12     2.50 0-75: 6.00+
76-80: 4.50+
81-85: 3.00+
Annual None Min Rates:     2.50
Lincoln Financial Group
Lincoln OptiChoice 7 - Low
1-Year Monthly Average
S&P 500 Point to Point 7
Years 		      02/01/12   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 - High
1-Year Monthly Average
S&P 500 Point to Point 7
Years 		      02/01/12   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 		      02/01/12     1.45 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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