Lincoln Financial Launches Active ETF Indexed Account for Fixed Indexed Annuities

Lincoln Financial has introduced a new fixed indexed annuity (FIA) option featuring the 1 Year Capital Group Dividend Value (CGDV) ETF Participation account, marking the first Capital Group ETF indexed account available in the FIA market. This offering is unique in that it provides investors exposure to an actively managed ETF while maintaining 100% downside protection, combining growth potential with capital preservation. The CGDV ETF focuses on larger, dividend-paying U.S. companies, aiming for consistent returns, and holds a Morningstar Medalist Gold rating, outperforming the S&P 500 and most ETFs in the large value category since its inception. This product leverages Capital Group's active management expertise alongside Lincoln Financial's OptiBlend FIA platform, representing an innovative step in annuity crediting strategies. Capital Group, a prominent asset manager with $3 trillion in assets under management and recognized as ETF Issuer of the Year in 2025 by etf.com, brings its active ETF capabilities into a space traditionally dominated by passive index strategies. The partnership between Lincoln Financial and Capital Group, ongoing since 1987, continues to evolve with this product, which broadens choices for investors seeking both protection and active market participation. The product structure credits indexed interest based on the performance of the underlying ETF, though it does not guarantee ETF performance or include dividends in the indexed interest credited. Lincoln OptiBlend FIAs are issued by The Lincoln National Life Insurance Company and distributed via Lincoln Financial Distributors. This new FIA account option expands Lincoln Financial's annuity product offerings, serving nearly 17 million customers with a range of financial solutions spanning annuities, life insurance, group protection, and retirement services. The introduction of this actively managed ETF indexed account highlights ongoing innovation in fixed indexed annuity products and reflects trends toward combining active investment strategies with traditional insurance guarantees.