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Guaranteed retirement

The Lincoln Secured Retirement IncomeSM investment option addresses the growing need for investments that can help protect plan savings and create guaranteed retirement income. 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 access to fiduciary support, plan sponsors can be confident in their choice of this lifetime income option. As with all such investments, guarantees are subject to the claims-paying ability of the issuing company, The Lincoln National Life Insurance Company.

See how it works

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Your guaranteed annual income

Get the details on how retirement savings translates to guaranteed annual income for life.

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About your income base

Learn how the Income Base is calculated and how retirement savings can be protected from market downturns.

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Target-date portfolios

See how the Lincoln Secured Retirement IncomeSM investment option can be integrated into target-date portfolios.


Choosing a provider

Plan sponsors must engage in a prudent process to select a guaranteed withdrawal benefit and to choose the insurance company providing the guarantee. These three steps may help keep plan sponsors within fiduciary guidelines when choosing an in-plan guaranteed lifetime income provider.

The key to a prudent process for selecting a guaranteed retirement income solution is to compare the competing products in terms of their design, features and prices. 

In-depth analysis

Fred Reish of Drinker Biddle & Reath LLP, shares his perspective on the increasing importance of in-plan guaranteed lifetime income options and the fiduciary responsibilities involved.

Fred Reish is a partner in the law firm of Drinker Biddle & 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.