Lincoln National Life Insurance Company carries an A+ (Superior) rating from AM Best and over $350 billion in total assets. One of the most broadly distributed annuity carriers in the United States, Lincoln Financial offers a full product lineup spanning MYGAs, fixed index annuities, buffered annuities, and variable annuities — making it a strong candidate for both accumulation-focused and income-focused buyers.
This review covers Lincoln Financial’s ratings, MYGA product lineup with live rates, FIA and RILA products, and contact information.
Lincoln Financial at a Glance
| Detail | Information |
|---|---|
| Full Legal Name | Lincoln National Life Insurance Company |
| Parent Company | Lincoln National Corporation (NYSE: LNC) |
| Headquarters | Fort Wayne, Indiana (issuing entity); Radnor, Pennsylvania (corporate) |
| Founded | 1905 |
| Company Structure | Publicly traded (NYSE: LNC) |
| AM Best Rating | A+ (Superior) |
| S&P Rating | A+ (Strong) |
| Moody’s Rating | A1 |
| Total Assets | $350+ billion |
| Products Offered | MYGAs, Fixed Index Annuities, RILAs (Buffered), Variable Annuities |
| States Available | All 50 states + D.C. |
| Minimum Premium | $10,000 (varies by product) |
Lincoln Financial’s Financial Strength
Lincoln National holds an A+ (Superior) from AM Best and matching strong ratings from both S&P and Moody’s. As one of the oldest continuously operating life insurance companies in the country — founded in 1905 — Lincoln has maintained investment-grade ratings through every major economic cycle of the 20th and 21st centuries.
The company’s $350+ billion in assets and its presence across every major annuity category make it a carrier that shows up in a large percentage of comprehensive annuity comparisons. Lincoln’s distribution infrastructure is among the broadest in the industry, with products available through banks, broker-dealers, RIAs, and independent agents.
What Types of Annuities Does Lincoln Financial Offer?
- Multi-Year Guaranteed Annuities (MYGAs) — Lincoln’s MYGuarantee Plus series provides guaranteed fixed rates across multiple terms. Competitive rates for clients seeking simple tax-deferred accumulation.
- Fixed Index Annuities (FIAs) — Lincoln’s OptiBlend series offers index-linked growth with an optional income rider for guaranteed lifetime withdrawals.
- Registered Index-Linked Annuities (RILAs) — Lincoln Level Advantage is one of Lincoln’s flagship products, offering buffered market participation with a defined downside floor. Suitable for clients comfortable with moderate market risk in exchange for higher upside potential.
Lincoln also offers variable annuities with living benefit riders for clients who want full market exposure alongside guaranteed income protection.
Lincoln Financial MYGA Products and Current Rates
Live rates from AnnuityRateWatch · Rates updated March 26, 2026
| Product | Term | Rate (APY) | Min Premium | Last Rate Change | |
|---|---|---|---|---|---|
|
Lincoln MYGuarantee Plus 5
AM Best A |
5 Years | 4.75% | $100,000+ | Mar 16, 2026 | View Details → |
|
Lincoln MYGuarantee Plus 5
AM Best A |
5 Years | 3.65% | $10,000+ | Mar 16, 2026 | View Details → |
|
Lincoln MYGuarantee Plus 7
AM Best A |
7 Years | 4.8% | $100,000+ | Mar 16, 2026 | View Details → |
|
Lincoln MYGuarantee Plus 7
AM Best A |
7 Years | 3.65% | $10,000+ | Mar 16, 2026 | View Details → |
|
Lincoln MYGuarantee Plus 10
AM Best A |
10 Years | 4.95% | $100,000+ | Mar 16, 2026 | View Details → |
|
Lincoln MYGuarantee Plus 10
AM Best A |
10 Years | 3.7% | $10,000+ | Mar 16, 2026 | View Details → |
Rates apply to standard products. State availability varies. Not an offer or solicitation. Always verify current rates before purchasing.
Lincoln Financial MYGA Products
Lincoln MYGuarantee Plus
A multi-year guaranteed annuity available in 5, 7, and 10-year terms. The MYGuarantee Plus locks in a competitive fixed rate for the full term, with tax-deferred growth and a free withdrawal provision. Suitable for clients who want a simple, principal-protected alternative to CDs or bonds. Download the MYGuarantee product overview (PDF)
Lincoln Financial Fixed Index Annuity Products
Lincoln OptiBlend
A fixed index annuity with multiple index crediting strategies, including S&P 500 point-to-point with a cap and a fixed account option. An optional income rider provides guaranteed lifetime withdrawal benefits. Designed for accumulation with built-in income protection for clients 10+ years from retirement.
Lincoln Select MYGA
An alternative fixed annuity product offering a guaranteed rate structure with market value adjustment provisions. Available in select terms. Download the Lincoln Select brochure (PDF)
Who Is Lincoln Financial Best For?
- MYGA buyers who want an A+ rated carrier with competitive rates across 5, 7, and 10-year terms and strong distribution support.
- RILA/buffered annuity buyers — Lincoln Level Advantage is one of the most widely recognized RILA products, giving clients who want market upside with partial downside protection a strong option.
- FIA buyers with income planning needs who want a broadly distributed carrier with standard income rider design and flexible product options.
- Clients working through financial advisors — Lincoln’s products are available through a wide range of advisory channels, including fee-based platforms.
Contact Lincoln Financial
| Contact Method | Details |
|---|---|
| Website | www.lfg.com |
| Customer Service | 1-800-487-4875 |
| Mailing Address | Lincoln National Life Insurance Company P.O. Box 2340 Fort Wayne, IN 46801 |
| Hours | Monday–Friday, 8 a.m.–6 p.m. ET |
Compare Lincoln Against Other Carriers: My Annuity Store compares Lincoln Financial alongside Athene, MassMutual, Nationwide, and 20+ other top-rated carriers. Get a free comparison quote or call 855-583-1104.
Further Reading: Fixed Index Annuities
Additional resources to help you evaluate Lincoln Financial FIAs in context:
- Fixed Index Annuity Pros and Cons — What FIAs do well and where they fall short.
- RILA Guide: Registered Index Linked Annuities — How RILAs compare to traditional FIAs like Lincoln’s product lineup.
- 20 Highest Bonus Annuity Rates — Premium bonus comparisons across top FIA carriers including Lincoln.
