Fixed Indexed Accounts

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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
Lincoln Financial Group
Lincoln New Directions 6
Lincoln New Directions 6 - High
Performance Triggered Indexed Account
S&P 500 Performance Triggered 6
Years
      02/01/12     2.65 0-75: 3.50+
76-80: 2.75+
81-85: 1.75+
Annual None Min Rates: 100 0.00 2.50
Lincoln New Directions 6 - Low
Fixed Account
Standard 6
Years
      02/01/12 1.40% 6 Yrs MYGA 0-75: 3.50+
76-80: 2.75+
81-85: 1.75+
Min Rates:
Lincoln New Directions 6 - Low
2-Year Point-to-Point Indexed Account
S&P 500 Point to Point 6
Years
      02/01/12     7.00 0-75: 3.50+
76-80: 2.75+
81-85: 1.75+
Biennial None Min Rates: 100 0.00 7.00
Lincoln New Directions 6 - High
Fixed Account
Standard 6
Years
      02/01/12 1.55% 6 Yrs MYGA 0-75: 3.50+
76-80: 2.75+
81-85: 1.75+
Min Rates:
Lincoln New Directions 6 - High
2-Year Point-to-Point Indexed Account
S&P 500 Point to Point 6
Years
      02/01/12     7.00 0-75: 3.50+
76-80: 2.75+
81-85: 1.75+
Biennial None Min Rates: 100 0.00 7.00
Lincoln New Directions 6 - Low
Performance Triggered Indexed Account
S&P 500 Performance Triggered 6
Years
      02/01/12     2.50 0-75: 3.50+
76-80: 2.75+
81-85: 1.75+
Annual None Min Rates: 100 0.00 2.50
Lincoln New Directions 8
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
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 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 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 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 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 OptiChoice 5
Lincoln OptiChoice 5 - Low
1-Year Fixed Account
Fixed 5
Years
      02/01/12 1.00% 1-Yr Fixed 0-75: 5.00+
76-80: 3.75+
81-85: 2.50+
Min Rates:
Lincoln OptiChoice 5 - High
1-Year Monthly Average
S&P 500 Point to Point 5
Years
      02/01/12   9.00   0-75: 5.00+
76-80: 3.75+
81-85: 2.50+
Annual Monthly Min Rates: 100 9.00  
Lincoln OptiChoice 5 - Low
Performance Triggered
S&P 500 Performance Triggered 5
Years
      02/01/12     2.50 0-75: 5.00+
76-80: 3.75+
81-85: 2.50+
Annual None Min Rates:     2.50
Lincoln OptiChoice 5 - High
1-Year Fixed Account
Fixed 5
Years
      02/01/12 1.15% 1-Yr Fixed 0-75: 5.00+
76-80: 3.75+
81-85: 2.50+
Min Rates:
Lincoln OptiChoice 5 - Low
1-Year Monthly Cap
S&P 500 Point to Point 5
Years
      02/01/12     1.40 0-75: 5.00+
76-80: 3.75+
81-85: 2.50+
Annual Monthly Sum Min Rates: 100 0.00 1.00
Lincoln OptiChoice 5 - High
1-Year Monthly Cap
S&P 500 Point to Point 5
Years
      02/01/12     1.50 0-75: 5.00+
76-80: 3.75+
81-85: 2.50+
Annual Monthly Sum Min Rates: 100 0.00 1.00
Lincoln OptiChoice 5 - High
Performance Triggered
S&P 500 Performance Triggered 5
Years
      02/01/12     2.50 0-75: 5.00+
76-80: 3.75+
81-85: 2.50+
Annual None Min Rates:     2.50
Lincoln OptiChoice 5 - Low
1-Year Monthly Average
S&P 500 Point to Point 5
Years
      02/01/12   9.00   0-75: 5.00+
76-80: 3.75+
81-85: 2.50+
Annual Monthly Min Rates: 100 9.00  

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"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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