RADNOR, PA — Lincoln Financial Group (NYSE: LNC) announced enhancements to its fixed indexed annuities (FIAs), introducing new investment options aimed at offering investors greater growth potential and diversification while maintaining downside protection.
The company has added two key features available exclusively through its Lincoln OptiBlend® FIA: a 1 Year S&P 500® Cap Lock account and a 1 Year Nasdaq Priva™ Participation account.
Dan Herr, senior vice president of annuity product management at Lincoln Financial, highlighted the importance of these updates in the current market. “In today’s market environment, investors want more options for predictable growth and protection from volatility to help them feel confident in their financial plan,” Herr said. “FIAs inherently offer full protection when markets are down, and Lincoln’s new Cap Lock strategy adds certainty by locking in their cap for the duration of the term for when markets are up, giving investors greater assurance in their investment outcome.”
New FIA Features
- 1 Year S&P 500 Cap Lock Account
This account allows investors to capture gains up to a predetermined cap — “locked in” for multiple years — when the index performs positively. If the index declines, investors receive 100% downside protection, offering stability in volatile markets. - 1 Year Nasdaq Priva™ Participation Account
This option gives investors exposure to innovation-driven equities via the Nasdaq Priva™ Index, designed to adapt to evolving economic conditions like shifting inflation and interest rates. Investors can participate in the upside of growth-focused sectors while maintaining protection against losses.
Tim Seifert, senior vice president and head of retirement solutions distribution at Lincoln Financial, emphasized the benefit to advisors and clients alike: “The Nasdaq Priva™ Participation account provides investors with opportunities for greater upside growth in positive markets and diversification with highly experienced asset management — exclusively through a Lincoln FIA.”
With these enhancements, Lincoln aims to strengthen its position in the retirement solutions space, offering financial professionals and investors more flexibility and control over long-term growth strategies.
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