Latest product innovations meet customer needs by offering more options for growth and diversification while continuing to provide protection

Lincoln Financial (NYSE: LNC) announced today the latest enhancements to its fixed indexed annuities (FIAs) to help meet investor needs for more upside growth opportunity and diversification. Lincoln has added a 1 Year Cap Lock account that tracks the performance of the S&P 500® and a 1 Year Participation account that tracks the performance of the Nasdaq Priva™ Index, available exclusively with a Lincoln OptiBlend® fixed indexed annuity.

“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. 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,” said Dan Herr, SVP, annuity product management at Lincoln Financial. “With our latest FIA innovations, Lincoln continues to focus on meeting the needs of consumers as we accelerate our strategic focus on growing spread-based businesses.”

New features include:

• The 1 Year S&P 500 Cap Lock account offers investors growth up to the cap, which is “locked in” for multiple years, when index performance is positive, and 100% downside protection when the index performance is negative. Locking in the cap rate helps investors balance stability and growth opportunities.

• The 1 Year Nasdaq Priva™ Participation account allows investors to participate in the upside potential of innovation-driven and new economy equity growth with downside protection. The Nasdaq Priva™ Index is a core equity-only strategy that aims to provide access to innovative, growth-oriented equities, and is designed to adapt to changing regimes in inflation and interest rates.

“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,” said Tim Seifert, SVP, head of retirement solutions distribution at Lincoln Financial. “With Lincoln’s new FIA strategies, financial professionals can provide clients with more choices for growth without sacrificing protection.”

To learn more about the competitive features and benefits of Lincoln FIAs, visit: www.LincolnFinancial.com

To learn more about our latest enhancements, view the resources below:

• Cap Lock account flyer
• Nasdaq Priva™ Index flyer

Editor's note: Lincoln executives celebrated the launch of the Nasdaq Priva™ Index at the Nasdaq Tower in Times Square today. High-resolution photos are available upon request.

Lincoln OptiBlend^® 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.

About Lincoln Financial

Lincoln Financial helps people confidently plan for their vision of a successful financial future. As of December 31, 2024, approximately 17 million customers trust our guidance and solutions across four core businesses – annuities, life insurance, group protection, and retirement plan services. As of June 30, 2025, the company had $331 billion in end-of-period account balances, net of reinsurance. Headquartered in Radnor, PA., Lincoln Financial is the marketing name for Lincoln National Corporation (NYSE: LNC) and its affiliates. Learn more at LincolnFinancial.com.

**Photo assets available

LCN-8188956-071825

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