Lincoln Financial MYGuarantee Plus 7
Current Fixed Rates Bands
Rate Effective Date August 6, 2026
The Lincoln Financial MYGuarantee Plus 7 is a single premium, fixed annuity with a seven-year rate guarantee. After seven years, owners can withdraw, transfer, or reinvest their full account value. If no action is taken, the account does not automatically renew. It remains completely liquid in annuity form with one-year fixed rates declared annually.
Two rate bands are available. The highest rate is for deposits above $100K. Lower rates are credited for amounts between $10K – $99.9K. Ten percent (10%) free withdrawals are available in all years
Qualified and non-qualified funds are accepted, including unique accounts like Stretch IRAs, Non-Qualified Stretch policies, and Roth Conversions. No surrender penalties apply at death. Free nursing home and terminal illness riders are included at no extra cost.
More Annuity options from: Lincoln Financial
Notable Features
At no cost, this policy includes Nursing Home, Terminal Illness, and Annuitization riders. There are no surrender or MVA charges at death, and the policy does not automatically renew. Free interest or 10% systematic withdrawals are available in all years.
Additional Details
Product Type
MYGA (Multi-Year Guaranteed Annuity)
Term
7 Years
Free Withdrawals Yr1 / Yr2+
10% / 10%
Additional Withdrawal Information
This policy allows for annual withdrawals of up to 10% of the accumulation value during the surrender charge period without surrender charges or a Market Value Adjustment (MVA). The contract is also RMD-friendly in all years for IRA owners.
Surrender Schedule
7%, 7%, 6%, 5%, 4%, 3%, 2%, 0%
Maximum Age
85
Minimum Investment
$100,000
Maximum Investment
$2,000,000
What We Like About This Annuity
This annuity is offered by a well-capitalized, A rated company and allows for 10% free withdrawals in all years. The contract does not automatically renew at maturity, and there are no surrender charges at passing. The policy has a fair, decreasing surrender schedule and accepts both Stretch IRA and Non-Qualified Stretch accounts.
Other Popular Products
Lincoln Financial is well known for fixed, fixed-indexed, and immediate annuities for growth and income. Their MoneyGuard plan (LTC linked with life insurance) is a very popular hybrid life and long term care insurance policy.
About Lincoln Financial
Lincoln Financial
AM Best Rating: A Excellent (3rd of 13 ratings)
https://www.lincolnfinancial.com/public/individuals
About Lincoln Financial Group
For over 110 years, Lincoln Financial Group has served its millions of customers with integrity and dependability. It manages over $137 billion and carries an A rating with AM Best, A+ with both Fitch and Standard & Poor’s, as well as an 82 rating with Comdex.
They are domiciled in Radnor, Pennsylvania, and specialize in life insurance, annuities, and long term care insurance. They also offer retirement plans and employee benefits. Their vision is to pursue excellence as one team while winning for customers and shareholders.