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Give Employees a Way to Protect Plan Savings

The Lincoln Secured Retirement IncomeSM investment option addresses the growing need for investments that protect plan savings and create guaranteed income for retirees. Lincoln works closely with plan sponsors and their advisors and consultants to add the Secured Retirement Income option to their plans, either as a standalone investment or included in the glide path of a custom target-date portfolio. And, with a level of fiduciary support not typically available in the industry, plan sponsors can be confident in their choice of this innovative option.

Hear from our senior leadership

To manage participants' concerns about generating income in retirement, and to continue to attract and retain high-quality employees, plan sponsors may want to consider this important investment option for their plans. As with all such investments, guarantees are subject to the claims-paying ability of the issuing company, The Lincoln National Life Insurance Company.

How It Works

Income Base: What it is and how it is calculated.
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Estimated Guaranteed Income: How much income participants can expect.
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When Part of a Target-Date Portfolio: Can turn savings into lifetime income.
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Learn More

Read two white papers from distinguished law firm Drinker Biddle and Reath, LLP for in-depth analysis.

Addressing Participant Retirement Income Risks
Many participants are faced with the problem of making their savings last throughout retirement. This paper discusses the uncertainties related to retirement income and the possible solutions including how the Lincoln Secured Retirement IncomeSM investment option can help.

Fiduciary Process in Evaluating In-Plan Guarantees
The fiduciary responsibility of choosing an in-plan guarantee can be overwhelming. This paper discusses the fiduciary process for selecting a lifetime income solution and includes an assessment of the Lincoln Secured Retirement IncomeSM investment option.

Download White Papers

Hear From Fred Reish of DrinkerBiddle

Fred Reish is a partner in the law firm of Drinker Biddle and Reath, LLP. He's in the Employee Benefits & Executive Compensation Practice Group and is chair of the Financial Services ERISA team and of the Retirement Income team.

Why in-plan guarantees?

See the need for in-plan solutions.
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Learn about Guaranteed Withdrawal Benefits (GWBs).
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Get help with the fiduciary process.
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Did You Know...

  • That retirees risk running out of money? Read more.
  • That sequence of returns risk may be the biggest danger of all? Read more.
  • That defined contribution (DC) plan participants can get guaranteed lifetime income? Read more.
  • About the fiduciary requirements for selecting a lifetime income provider? Read more.
  • About the fiduciary requirements for selecting an insurance guarantee for your participants? Read more.

Lincoln Secured Retirement IncomeSM solutions are offered as a group variable annuity. Amounts contributed to the annuity contract are invested in the LVIP Managed Risk Profile Moderate Fund, a fund of funds with a balanced allocation. The guarantee is provided by a contract between the client/plan sponsor and Lincoln National Life Insurance Company that provides a plan participant with guaranteed annual retirement income.

Lincoln Financial Group® affiliates, their distributors, and their respective employees, representatives, and/or insurance agents do not provide tax, accounting, or legal advice. Please consult your own independent advisor as to any tax, accounting, or legal statements made herein.

A group variable annuity is a long-term investment product designed particularly for retirement purposes. Group annuities contain both investment and insurance components and have fees and expenses, including administrative and advisory fees. The annuity's value fluctuates with the market value of the underlying investment option, and all assets accumulate tax-deferred. Withdrawals may carry tax consequences, including possible tax penalties.

Investors are advised to consider the investment objectives, risks, and charges and expenses of the group variable annuity and its underlying investment option carefully before investing. The applicable variable annuity prospectus contains this and other important information about the variable annuity and its underlying investment option. Please call 888-868-2583 for a free prospectus. Read it carefully before investing or sending money. Products and features are subject to state availability.

Lincoln Secured Retirement IncomeSM group variable annuity contracts (contract form AN-701 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.

All contract guarantees, including those for guaranteed income, or annuity payout rates, are subject to the claims paying ability of the issuing insurance company. They are not backed by the broker-dealer or insurance agency from which this annuity is purchased, or any affiliates of those entities other than the issuing company affiliates, and none makes any representations or guarantees regarding the claims-paying ability of the issuer.

There is no additional tax-deferral benefit for an annuity contract purchased in an IRA or other tax-qualified plan.


Hello future.
Lincoln Financial Group is the marketing name for Lincoln National Corporation and insurance
company affiliates, including The Lincoln National Life Insurance Company, Fort Wayne, IN,
and in New York, Lincoln Life & Annuity Company of New York, Syracuse, NY. Variable products
distributed by broker/dealer-affiliate Lincoln Financial Distributors, Inc., Radnor, PA. Securities
and investment advisory services offered through other affiliates. Explore Lincoln.