ESI is pleased to announce that Lincoln OptiBlend® Income 7 and Lincoln OptiBlend® Income 10 have been approved and are now available.
These fixed indexed annuities are designed to help clients accumulate retirement assets while providing guaranteed lifetime income through the built-in ProtectedPay® Select Income Rider.
Optional Estate Lock Rider
For clients electing a single-life contract, the optional Estate Lock Rider provides an enhanced death benefit for an additional charge when elected at contract issue.
When recommending the Estate Lock Rider, new business documentation should include:
- The rationale for recommending the rider.
- Confirmation that the client understands the following:
- The Estate Lock death benefit is payable only if account value remains at the owner’s death.
- If the account value is depleted, no Estate Lock death benefit is payable, even if lifetime income payments continue.
- Excess withdrawals may reduce the available death benefit.
Looking for the Right Fit?
Interested in learning where Lincoln OptiBlend® Income 7 or Lincoln OptiBlend® Income 10 may fit within your business or client strategies?
Contact the ESI Product Team or TruChoice (ESI’s designated outside FIA IMO) to discuss product positioning, sales concepts, and client opportunities.
Product Team:
Dan Randall: 802-229-7166
Jared Vachon: 469-851-9468
TruChoice:
Michael Baucchus: 800.237.0263 ext. 62047
Need Suitability Assistance?
Suitability & Case Preview
- 800-344-7437 (Press 2 → 5 → 2)
- ESIDBCasePreview@nationallife.com
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