Lincoln Financial MYGuarantee Plus — 10-year fixed annuity at 5.15%
- Locks in 5.15% for 10 years
- Open with $10,000 to $2,000,000
- Free withdrawals allowed for:
- 10% of your balance each year
- Required IRA distributions
- Your full investment for nursing home confinement or terminal illness
Rates as of May 8, 2026
Projected balance
over 10 years
Compounded at 5.15% guaranteed. No market exposure, no fees deducted from your balance.
| Year | Earnings | Balance |
|---|---|---|
| 1 | $5,150 | $105,150 |
| 2 | $5,415 | $110,565 |
| 3 | $5,694 | $116,259 |
| 4 | $5,987 | $122,247 |
| 5 | $6,296 | $128,542 |
| 6 | $6,620 | $135,162 |
| 7 | $6,961 | $142,123 |
| 8 | $7,319 | $149,443 |
| 9 | $7,696 | $157,139 |
| 10 | $8,093 | $165,231 |
| Total earnings | $65,231 | $165,231 |
Free-withdrawal allowance: 10% / yr. Withdrawals beyond the allowance trigger the surrender charge below.
- Rank vs. peers
- #45 of 55 (top is 6.25% — Sentinel Security Personal Choice)
If you withdraw early
Surrender charge schedule
Surrender charges apply to withdrawals beyond the free-withdrawal allowance during the contract term. The charge is a percentage of the amount withdrawn, decreasing each year. They exist because the carrier matches your premium against long-duration assets — early redemption forces them to unwind those positions.
| Contract year | Charge |
|---|---|
| Year 1 | 7.0% |
| Year 2 | 7.0% |
| Year 3 | 6.0% |
| Year 4 | 5.0% |
| Year 5 | 4.0% |
| Year 6 | 3.0% |
| Year 7 | 2.0% |
| Year 8 | 1.0% |
| Year 9 | 1.0% |
| Year 10 | 1.0% |
Contract terms
What else to know
Term
10 years guaranteed at 5.15% APY
Investment range
$10,000 – $2,000,000
Rate banding
Higher investment amounts qualify for higher rates.
| Premium band | Rate |
|---|---|
| $10,000 – $100,000 | 3.70% |
| $100,000 – $2,000,000 | 5.15% |
Funding sources accepted
Roth Conversion (Partial), Roth Conversion (Full), Traditional IRA, Non-Qualified, 1035 Exchange, IRA Rollover, IRA Transfer, Stretch IRA, NQ Stretch, IRA-Roth
Owner age
0 to 85 years old
Free look period
20 days after policy issue to change your mind without penalty.
Death benefit
Full accumulated value passes to your beneficiary, no surrender charge.
Riders & waivers
- Terminal Illness Waiver
- Nursing Home Waiver
- Death Benefit Waiver
- RMD-Friendly (RMD withdrawals exempt from surrender charge)
Maturity
30-day window at the end of the term to withdraw, reinvest, or convert to guaranteed income via annuitization.
Tax treatment
Interest accumulates tax-deferred. Personal post-tax funds: only the interest is taxable on withdrawal. Withdrawals before age 59½ may be subject to a 10% IRS penalty.
Source: Lincoln Financial contract brochure (download PDF). Anything you act on should be confirmed against the carrier's most recent filing.
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