Man in kayak

Fixed annuities

Looking for reliable income in retirement that will last your entire life? Consider adding a fixed annuity to your retirement income strategy.

The appeal of predictability

When it comes to your income in retirement, sure and steady may be just right. By adding a fixed annuity to your retirement plan, you can help protect your savings, then enjoy a predictable source of income for life.

Once you start taking income, the amount of your monthly income will be based on a predictable, pre-set rate. To get the most out of your fixed annuity, you can add benefits for an additional cost that gives you more choices.

With Lincoln fixed annuities and optional benefits:

  • You can choose to pass on your benefit to loved ones.
  • You can feel confident knowing your savings are protected and never invested in the market.
  • You can ensure your income grows at a predictable rate.

What’s the next step? 

Learn about the different Lincoln fixed annuities and how they may fit into your retirement income plan. 

Traditional fixed annuities

A traditional fixed annuity allows you to protect your savings while earning a predictable, pre-set rate of income. You can then turn your savings into a protected source of monthly income for life. 

Learn more:

Lincoln MYGuaranteeSM Plus fixed annuity

Fixed indexed annuities

A fixed indexed annuity allows you to protect your savings while offering growth potential with an interest rate that’s linked to the performance of a market index. Your money is never invested in the market, though, and protected from market downturns. You can then turn your savings into a protected source of monthly income for life. 

Learn more:

Lincoln New Directions® fixed indexed annuity

Lincoln OptiBlendSM fixed indexed annuity 

Lincoln OptiChoiceSM fixed indexed annuity 

Lincoln OptiPoint® fixed indexed annuity

Lincoln Covered ChoiceSM fixed indexed annuity

Deferred and immediate annuities

A single-premium immediate annuity may be right for you if you’re ready to take income now. It can provide a protected monthly income for life after you’ve already built up your savings through other investments. A deferred annuity is similar but allows you to choose when to take income, with less emphasis on growing your savings than other fixed annuities. 

Learn more: 

Lincoln Insured IncomeSM Immediate Annuity (SPIA)

Lincoln Deferred Income SolutionsSM Annuity