Proven growth
strategies

Keep your money working — even if you aren’t

Whether you're looking to keep pace with inflation or planning for decades in retirement, choose from a combination of account options that fit your retirement timeline and complement your portfolio. Then lock it in with 100% downside protection.

Resilient strategies for unpredictable markets

Bond alternatives with
trigger strategies.

Diversify with purpose
Move savings forward (not backward).

Explore blended strategies
The pursuit of superior outcomes with 100% protection.

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Our lineup of account options

Our account options help provide more reliable, predictable opportunities for growth, without exposure to market volatility. Indexed interest is calculated based on the performance of an index or ETF, with limits such as cap or participation rates. This means you can earn interest when the index or ETF rises, without losing value when it falls. Availability varies by product and is subject to firm and state approvals.

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Fixed Account: Lock in guaranteed growth

Your account is credited a fixed interest rate that’s guaranteed for one year regardless of market performance. A new interest rate is declared annually.
Account available:
- Fixed Account

Dual trigger account: Find growth in up, flat and down markets

Your account is credited a set rate in an up or flat market. If the index is negative by less than the value of the rate, the difference is credited.
Account available:
- 1 Year S&P 500 Dual Trigger

Trigger accounts: Find growth in up and flat markets

Your account is credited a set rate in an up or flat market. Choose from an account with a guaranteed rate for a specified number of years, or one that resets each year.
Accounts available:

Cap accounts: Your money can grow up to a cap

Your account is credited any index growth at the end of the indexed term, up to a cap. Choose from an account with a guaranteed rate for a specified number of years, or one that resets each year.
Accounts available:
- 1 Year S&P 500 Cap
- 1 Year S&P 500 Cap Lock¹

Participation accounts: You earn a percentage of the index growth

Your stated participation rate is multiplied by any positive index performance at the end of the applicable indexed term. Choose from accounts with a multi-year guaranteed rate, or one that resets each year.
Accounts available:

¹The durations of the guaranteed period for the trigger lock and cap lock accounts, and indexed term for multi-year participation accounts, are determined by the surrender charge period of the annuity. Please see applicable Fact Sheet and Rate Sheet for option(s) available.

It is not possible to invest directly in an index.

The S&P 500^® Index is a price index and does not reflect dividends paid on underlying stocks. The S&P 500^® Daily Risk Control 10% Index and the Nasdaq Priva Index are excess return indices and do include dividends paid.

Guarantees are subject to the claims-paying ability of The Lincoln National Life Insurance Company.

Indexed accounts are subject to firm and state availability. Applicable indexed interest is credited at the end of the indexed term. Amounts withdrawn (including amounts paid as death benefit) before the end of an indexed term will not receive indexed interest for that indexed term.

Lincoln fixed indexed annuities (contract form ICC1515-619 and state variations) are issued by The Lincoln National Life Insurance Company, Fort Wayne, IN, and distributed by Lincoln Financial Distributors, Inc., a broker-dealer. The Lincoln National Life Insurance Company does not solicit business in the state of New York, nor is it authorized to do so. Contractual obligations are subject to the claims-paying ability of The Lincoln National Life Insurance Company.

Fixed and indexed rates are declared annually by the issuing company at its discretion, unless guaranteed for multiple terms where indicated. Subsequent rates may be higher or lower than the initial rates and may be different from those used for new contracts.

Date last updated: 03/13/2026