--- title: On The Move - February 21, 2023 - Insurance Agency Marketing Services description: Rates changing! 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[AssessBest](https://www.iamsinc.com/assessbest/) - [Marketing Corner](https://www.iamsinc.com/marketing-corner/) - [Contact](https://www.iamsinc.com/contact/) # On The Move – February 21, 2023 ### **February 21, 2023** – Effective Date of Change ## Lincoln Financial Group ### Fixed Indexed Annuity **Lincoln OptiBlend 10 10,000+** - 1-Year S&P 500 Point-to-Point with Cap:  Cap 7.75%  - 1-Year Fixed Account:  Rate 3.60% - 1-Year S&P 500 Participation:  Part Rate 35% - 1 Year Fidelity AIM Dividend Participation:  Part Rate 150% - 1 Year BlackRock Dynamic Allocation Participation:  Part Rate 175% - 2 Year BlackRock Dynamic Allocation Participation:  Part Rate 225% - 1 Year BlackRock Dynamic Allocation Participation Plus:  Part Rate 220% - 1-Year S&P 500 Performance Triggered :  Cap 6.50%  - 1-Year S&P 500 10% Daily Risk Control with Spread:  Spread 1.25%  - 1-Year S&P 500 5% Daily Risk Control ER Spread :  Spread 0.25%  **Lincoln OptiBlend 10 CA 10,000+** - 1-Year S&P 500 Point-to-Point with Cap:  Cap 7.00%  - 1-Year S&P 500 Participation :  Part Rate 30% - 1 Year Fidelity AIM Dividend Participation:  Part Rate 135% - 1-Year Fixed Account:  Rate 3.15% - 1 Year BlackRock Dynamic Allocation Participation:  Part Rate 150% - 2 Year BlackRock Dynamic Allocation Participation:  Part Rate 200% - 1 Year BlackRock Dynamic Allocation Participation Plus:  Part Rate 195% - 1-Year S&P 500 Performance Triggered :  Cap 6.00%  - 1-Year S&P 500 10% Daily Risk Control with Spread:  Spread 1.00%  - 1-Year S&P 500 5% Daily Risk Control ER Spread:  Spread 0.25%  **Lincoln OptiBlend 5 10,000+** - 1-Year S&P 500 Point-to-Point with Cap:  Cap 8.00%  - 1-Year Fixed Account:  Rate 4.00% - 1-Year S&P 500 Participation :  Part Rate 40% - 1 Year Fidelity AIM Dividend Index Participation:  Part Rate 160% - 1 Year BlackRock Dynamic Allocation Participation:  Part Rate 175% - 2 Year BlackRock Dynamic Allocation Participation:  Part Rate 250% - 1 Year BlackRock Dynamic Allocation Participation Plus:  Part Rate 220% - 1-Year S&P 500 Performance Triggered :  Cap 7.00%  - 1-Year S&P 500 10% Daily Risk Control with Spread:  Spread 0.75%  - 1-Year S&P 500 5% Daily Risk Control ER Spread:  Spread 0.25%  **Lincoln OptiBlend 5 CA 10,000+** - 1-Year S&P 500 Point-to-Point with Cap:  Cap 8.00%  - 1-Year S&P 500 Participation :  Part Rate 35% - 1 Year Fidelity AIM Dividend Participation:  Part Rate 150% - 1-Year Fixed Account:  Rate 3.70% - 1 Year BlackRock Dynamic Allocation Participation:  Part Rate 165% - 2 Year BlackRock Dynamic Allocation Participation:  Part Rate 225% - 1 Year BlackRock Dynamic Allocation Participation Plus:  Part Rate 210% - 1-Year S&P 500 Performance Triggered :  Cap 7.00%  - 1-Year S&P 500 10% Daily Risk Control with Spread:  Spread 0.75%  - 1-Year S&P 500 5% Daily Risk Control ER Spread:  Spread 0.25%  **Lincoln OptiBlend 7 10,000+** - 1-Year S&P 500 Point-to-Point with Cap:  Cap 8.25%  - 1-Year Fixed Account:  Rate 4.00% - 1-Year S&P 500 Participation:  Part Rate 40% - 1 Year Fidelity AIM Dividend Participation:  Part Rate 160% - 1 Year BlackRock Dynamic Allocation Participation:  Part Rate 175% - 2 Year BlackRock Dynamic Allocation Participation:  Part Rate 250% - 1 Year BlackRock Dynamic Allocation Participation Plus:  Part Rate 220% - 1-Year S&P 500 Performance Triggered :  Cap 7.25%  - 1-Year S&P 500 10% Daily Risk Control with Spread:  Spread 0.75%  - 1-Year S&P 500 5% Daily Risk Control ER Spread:  Spread 0.25%  **Lincoln OptiBlend 7 CA 10,000+** - 1-Year S&P 500 Point-to-Point with Cap:  Cap 8.05%  - 1-Year S&P 500 Participation:  Part Rate 35% - 1 Year Fidelity AIM Dividend Participation:  Part Rate 155% - 1-Year Fixed Account:  Rate 3.75% - 1 Year BlackRock Dynamic Allocation Participation:  Part Rate 170% - 2 Year BlackRock Dynamic Allocation Participation:  Part Rate 225% - 1 Year BlackRock Dynamic Allocation Participation Plus:  Part Rate 215% - 1-Year S&P 500 Performance Triggered :  Cap 7.05%  - 1-Year S&P 500 10% Daily Risk Control with Spread:  Spread 0.75%  - 1-Year S&P 500 5% Daily Risk Control ER Spread:  Spread 0.25%  ### Feburary 22, 2023 – Effective Date of Change ## American Equity Investment Life Insurance Company ### Fixed Indexed Annuity **AssetShield 10 5,000+** - S&P 500 Annual Pt to Pt with Cap:  Cap 11.000%  - S&P 500 Monthly Sum Pt to Pt with Cap:  Cap 2.600%  - S&P 500 Dividend Aristocrats Daily Risk Control 5% ER Index Annual Pt to Pt with PR:  Part Rate 170% - S&P 500 Annual Pt to Pt with PR:  Part Rate 30% - S&P 500 NeXt Monthly Pt to Pt with Replacement Rate:  Cap 0.100%  - 1 Year Fixed Account:  Rate 4.00% - S&P 500 Dividend Aristocrats Daily Risk Control 5% ER Index 2-Year Pt to Pt with PR:  Part Rate 230% - BofA Destinations Index Annual Pt to Pt with PR:  Part Rate 135% - CS Tech Edge Annual Pt to Pt with PR:  Part Rate 140% - SG Global Sentiment Annual Pt to Pt with PR:  Part Rate 135% - BofA Destinations Index 2-Year Pt to Pt with PR :  Part Rate 200% - CS Tech Edge 2-Year Pt to Pt with PR :  Part Rate 210% - SG Global Sentiment 2-Year Pt to Pt with PR :  Part Rate 195% - S&P 500 Annual Pt to Pt with Cap and Fee:  Cap 13.000%  - S&P 500 Monthly Pt to Pt with Cap and Fee:  Cap 3.400%  - S&P 500 Dividend Aristocrats Daily Risk Control 5% ER Index Annual Pt to Pt with PR and Fee:  Part Rate 245% - S&P 500 Annual Pt to Pt with PR and Fee:  Part Rate 45% - S&P 500 NeXt Monthly Pt to Pt with Replacement Rate with Fee:  Cap 1.200%  - S&P 500 Dividend Aristocrats Daily Risk Control 5% ER Index 2-Year Pt to Pt with PR and Fee:  Part Rate 345% - BofA Destinations Index Annual Pt to Pt with PR and Fee:  Part Rate 225% - CS Tech Edge Annual Pt to Pt with PR and Fee:  Part Rate 235% - SG Global Sentiment Annual Pt to Pt with PR and Fee:  Part Rate 220% - BofA Destinations Index 2-Year Pt to Pt with PR and Fee:  Part Rate 330% - CS Tech Edge 2-Year Pt to Pt with PR and Fee:  Part Rate 350% - SG Global Sentiment 2-Year Pt to Pt with PR and Fee:  Part Rate 320% **AssetShield 5 5,000+** - S&P 500 Annual Pt to Pt w/Cap:  Cap 10.000%  - S&P 500 Monthly Pt to Pt w/Cap:  Cap 2.300%  - S&P 500 Dividend Aristocrats Daily Risk Control 5% ER Index:  Part Rate 145% - S&P 500 Annual Pt to Pt w/PR:  Part Rate 24% - S&P 500 NeXt Monthly Pt to Pt w/Replacement Rate:  Cap 0.100%  - 1 Year Fixed Account:  Rate 3.35% - BofA Destinations Index Annual Pt to Pt w/PR:  Part Rate 110% - CS Tech Edge Annual Pt to Pt w/PR:  Part Rate 115% - SG Global Sentiment Annual Pt to Pt w/PR:  Part Rate 110% - S&P 500 Annual Pt to Pt w/Cap \*FEE\*:  Cap 12.000%  - S&P 500 Monthly Pt to Pt w/Cap \*FEE\*:  Cap 3.100%  - S&P 500 Dividend Aristocrats Daily Risk Control 5% ER Index \*FEE\*:  Part Rate 230% - S&P 500 Annual Pt to Pt w/PR \*FEE\*:  Part Rate 38% - S&P 500 NeXt Monthly Pt to Pt w/Replacement Rate \*FEE\*:  Cap 1.200%  - BofA Destinations Index Annual Pt to Pt w/PR \*FEE\*:  Part Rate 210% - CS Tech Edge Annual Pt to Pt w/PR \*FEE\*:  Part Rate 215% - SG Global Sentiment Annual Pt to Pt w/PR \*FEE\*:  Part Rate 210% **AssetShield 7 5,000+** - S&P 500 Annual Pt to Pt w/Cap:  Cap 10.750%  - S&P 500 Monthly Pt to Pt w/Cap:  Cap 2.500%  - S&P 500 Dividend Aristocrats Daily Risk Control 5% ER Index:  Part Rate 160% - S&P 500 Annual Pt to Pt w/PR:  Part Rate 29% - S&P 500 NeXt Monthly Pt to Pt w/Replacement Rate:  Cap 0.100%  - 1 Year Fixed Account:  Rate 3.75% - BofA Destinations Index Annual Pt to Pt w/PR:  Part Rate 125% - CS Tech Edge Annual Pt to Pt w/PR:  Part Rate 130% - SG Global Sentiment Annual Pt to Pt w/PR:  Part Rate 125% - S&P 500 Annual Pt to Pt w/Cap \*FEE\*:  Cap 12.750%  - S&P 500 Monthly Pt to Pt w/Cap \*FEE\*:  Cap 3.300%  - S&P 500 Dividend Aristocrats Daily Risk Control 5% ER Index \*FEE\*:  Part Rate 240% - S&P 500 Annual Pt to Pt w/PR \*FEE\*:  Part Rate 43% - S&P 500 NeXt Monthly Pt to Pt w/Replacement Rate \*FEE\*:  Cap 1.200%  - BofA Destinations Index Annual Pt to Pt w/PR \*FEE\*:  Part Rate 220% - CS Tech Edge Annual Pt to Pt w/PR \*FEE\*:  Part Rate 225% - SG Global Sentiment Annual Pt to Pt w/PR \*FEE\*:  Part Rate 215% **AssetShield 9 CA 5,000+** - S&P 500 Annual Pt to Pt w/Cap:  Cap 11.000%  - S&P 500 Monthly Pt to Pt w/Cap:  Cap 2.600%  - S&P 500 Dividend Aristocrats Daily Risk Control 5% ER Index Annual Pt to Pt w/PR:  Part Rate 170% - S&P 500 Annual Pt to Pt w/PR:  Part Rate 30% - S&P 500 NeXt Monthly Pt to Pt w/Replacement Rate:  Cap 0.100%  - S&P 500 Dividend Aristocrats Daily Risk Control 5% ER Index 2-Year Pt to Pt w/PR:  Part Rate 230% - Traditional Fixed Value:  Rate 4.00% - BofA Destinations Index Annual Pt to Pt w/PR:  Part Rate 135% - CS Tech Edge Annual Pt to Pt w/PR:  Part Rate 140% - SG Global Sentiment Annual Pt to Pt w/PR:  Part Rate 135% - BofA Destinations Index Annual Pt to Pt w/PR \*FEE\*:  Part Rate 225% - CS Tech Edge Annual Pt to Pt w/PR \*FEE\*:  Part Rate 235% - SG Global Sentiment Annual Pt to Pt w/PR \*FEE\*:  Part Rate 220% - BofA Destinations Index 2 Year Pt to Pt w/PR :  Part Rate 200% - BofA Destinations Index 2 Year Pt to Pt w/PR \*FEE\*:  Part Rate 330% - CS Tech Edge 2 Year Pt to Pt w/PR :  Part Rate 210% - CS Tech Edge 2 Year Pt to Pt w/PR \*FEE\*:  Part Rate 350% - SG Global Sentiment 2 Year Pt to Pt w/PR :  Part Rate 195% - SG Global Sentiment 2 Year Pt to Pt w/PR \*FEE\*:  Part Rate 320% - S&P 500 Dividend Aristocrats Daily Risk Control 5% ER Index Annual Pt to Pt w/PR \*FEE\*:  Part Rate 245% - S&P 500 Dividend Aristocrats Daily Risk Control 5% ER Index 2-Year Pt to Pt w/PR \*FEE\*:  Part Rate 345% - S&P 500 Annual Pt to Pt w/Cap \*FEE\*:  Cap 13.000%  - S&P 500 Monthly Pt to Pt w/Cap \*FEE\*:  Cap 3.400%  - S&P 500 Annual Pt to Pt w/PR \*FEE\*:  Part Rate 45% - S&P 500 NeXt Monthly Pt to Pt w/Replacement Rate \*FEE\*:  Cap 1.200%  ## Global Atlantic Financial Group ### Fixed Indexed Annuity **ForeAccumulation II 10 25,000+** - 1 Year S&P 500 Point-to-Point with Cap:  Cap 9.250%  - 2 Year BlackRock Diversa Volatility Control w/ Spread :  - Fixed Rate:  Rate 3.85% - 1 Year BlackRock Diversa Volatility Control Point to Point with Cap :  Cap 21.000%  - 1 Year MSCI EAFE Point to Point with Cap :  Cap 9.250%  - 1 Year Russell 2000 Point to Point with Cap :  Cap 9.250%  - 1 Year PIMCO Balanced Point to Point with Participation Rate :  Part Rate 185% - 1 Year S&P 500 Point to Point with Performance Trigger :  Cap 7.000%  - 2 Year Franklin US Point to Point with Spread :  **ForeAccumulation II 10 100,000+** - 1 Year S&P 500 Point-to-Point with Cap:  Cap 10.000%  - 2 Year BlackRock Diversa Volatility Control w/ Spread :  - Fixed Rate:  Rate 4.00% - 1 Year BlackRock Diversa Volatility Control Point to Point with Cap :  Cap 22.000%  - 1 Year MSCI EAFE Point to Point with Cap :  Cap 10.000%  - 1 Year Russell 2000 Point to Point with Cap :  Cap 10.000%  - 1 Year PIMCO Balanced Point to Point with Participation Rate :  Part Rate 195% - 1 Year S&P 500 Point to Point with Performance Trigger :  Cap 7.500%  - 2 Year Franklin US Point to Point with Spread :  **ForeAccumulation II 5 25,000+** - 1 Year S&P 500 Point-to-Point with Cap:  Cap 8.750%  - 2 Year BlackRock Diversa Volatility Control w/ Spread :  - Fixed Rate:  Rate 3.75% - 1 Year BlackRock Diversa Volatility Control Point to Point with Cap:  Cap 19.000%  - 1 Year MSCI EAFE Point to Point with Cap :  Cap 8.750%  - 1 Year Russell 2000 Point to Point with Cap :  Cap 8.750%  - 1 Year PIMCO Balanced Point to Point with Participation Rate :  Part Rate 150% - 1 Year S&P 500 Point to Point with Performance Trigger :  Cap 6.750%  - 2 Year Franklin US Point to Point with Spread :  **ForeAccumulation II 5 100,000+** - 1 Year S&P 500 Point-to-Point with Cap:  Cap 9.500%  - 2 Year BlackRock Diversa Volatility Control w/ Spread :  - Fixed Rate:  Rate 3.90% - 1 Year BlackRock Diversa Volatility Control Point to Point with Cap:  Cap 20.000%  - 1 Year MSCI EAFE Point to Point with Cap :  Cap 9.500%  - 1 Year Russell 2000 Point to Point with Cap :  Cap 9.500%  - 1 Year PIMCO Balanced Point to Point with Participation Rate :  Part Rate 160% - 1 Year S&P 500 Point to Point with Performance Trigger :  Cap 7.250%  - 2 Year Franklin US Point to Point with Spread :  **ForeAccumulation II 7 25,000+** - 1 Year S&P 500 Point-to-Point with Cap:  Cap 9.250%  - 2 Year BlackRock Diversa Volatility Control w/ Spread :  - Fixed Rate:  Rate 3.85% - 1 Year BlackRock Diversa Volatility Control with Cap:  Cap 21.000%  - 1 Year MSCI EAFE Point to Point with Cap :  Cap 9.250%  - 1 Year Russell 2000 Point to Point with Cap :  Cap 9.250%  - 1 Year PIMCO Balanced Point to Point with Participation Rate :  Part Rate 185% - 1 Year S&P 500 Point to Point with Performance Trigger :  Cap 7.000%  - 2 Year Franklin US Point to Point with Spread :  **ForeAccumulation II 7 100,000+** - 1 Year S&P 500 Point-to-Point with Cap:  Cap 10.000%  - 2 Year BlackRock Diversa Volatility Control w/ Spread :  - Fixed Rate:  Rate 4.00% - 1 Year BlackRock Diversa Volatility Control with Cap:  Cap 22.000%  - 1 Year MSCI EAFE Point to Point with Cap :  Cap 10.000%  - 1 Year Russell 2000 Point to Point with Cap :  Cap 10.000%  - 1 Year PIMCO Balanced Point to Point with Participation Rate :  Part Rate 195% - 1 Year S&P 500 Point to Point with Performance Trigger :  Cap 7.500%  - 2 Year Franklin US Point to Point with Spread :  **ForeAccumulation II Advisory 25,000+** - 1 Year S&P 500 Point-to-Point with Cap:  Cap 10.750%  - 2 Year BlackRock Diversa Volatility Control w/ Spread :  - 1 Year BlackRock Diversa Volatility Control Point to Point with Cap:  Cap 22.000%  - 1 Year MSCI EAFE Point to Point with Cap :  Cap 10.750%  - 1 Year Russell 2000 Point to Point with Cap :  Cap 10.750%  - 1 Year PIMCO Balanced Point to Point with Participation Rate :  Part Rate 180% - 1 Year S&P 500 Point to Point with Performance Trigger :  Cap 8.000%  - 2 Year Franklin US Point to Point with Spread :  - Fixed Rate:  Rate 4.25% ### February 25, 2023 ## Athene IA ### MYGA - **Athene Max Rate 3 **10,000+  4.35% - **Athene Max Rate 3 **100,000+  4.60% - **Athene Max Rate 3 (state specific) **10,000+  4.35% - **Athene Max Rate 3 (state specific) **100,000+  4.60% - **Athene Max Rate 5 **10,000+  4.80% - **Athene Max Rate 5 **100,000+  5.20% - **Athene Max Rate 5 (state specific) **10,000+  4.75% - **Athene Max Rate 5 (state specific) **100,000+  5.15% - **Athene Max Rate 7 **10,000+  4.85% - **Athene Max Rate 7 **100,000+  5.25% - **Athene Max Rate 7 (state specific) **10,000+  4.80% - **Athene Max Rate 7 (state specific) **100,000+  5.20% - **Athene MYG 3 **5,000+  3.95% - **Athene MYG 3 **100,000+  4.30% - **Athene MYG 3 MVA **5,000+  4.20% - **Athene MYG 3 MVA **100,000+  4.55% - **Athene MYG 3 ROP **5,000+  3.80% - **Athene MYG 3 ROP **100,000+  4.05% - **Athene MYG 5 **5,000+  4.40% - **Athene MYG 5 **100,000+  4.80% - **Athene MYG 5 MVA **5,000+  4.65% - **Athene MYG 5 MVA **100,000+  5.05% - **Athene MYG 5 ROP **5,000+  4.20% - **Athene MYG 5 ROP **100,000+  4.60% - **Athene MYG 7 **5,000+  4.50% - **Athene MYG 7 **100,000+  4.90% - **Athene MYG 7 MVA **5,000+  4.70% - **Athene MYG 7 MVA **100,000+  5.10% - **Athene MYG 7 ROP **5,000+  4.25% - **Athene MYG 7 ROP **100,000+  4.65% #### Author:Webmaster [Next Learn From Some of the Best in The Industry](https://blog.iamsinc.com/learn-from-some-of-the-best-in-the-industry) [Previous Creative strategies to maximize income with life insurance](https://blog.iamsinc.com/creative-strategies-to-maximize-income-with-life-insurance) ### Recent Posts ### Insurance Agency Marketing Services, Inc. 505 North 210th Street, Elkhorn, NE 68022 (800) 255-5055 (402) 330-7296 [contact@iamsinc.com](mailto:contact@iamsinc.com) ### Marketing Corner ### Our Location ### Follow us Find us on: [Facebook](https://www.facebook.com/iamsinc/) [Twitter](https://twitter.com/IAMSINC) [YouTube](https://www.youtube.com/user/IAMSinc) [Linkedin](https://www.linkedin.com/company/insurance-agency-marketing/) Search: ©2025 Insurance Agency Marketing Services, Inc. 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