The power of predictability
Having a tax-efficient retirement solution isn't just about growth, it's about income, too. And if you're concerned about taxes in retirement, you're not alone. Among Americans, 50% have said taxes and their impact on savings are a top concern.1 i4LIFE® Indexed Advantage, an optional income feature, can produce a known source of lifetime income.
i4LIFE® Indexed Advantage offers:
- Tax efficiency. A portion of every i4LIFE® payment is tax-free until the total premium amount is returned. This feature can help manage the impact of taxes on nonqualified money in retirement.
- Protected income for life. Payments will never be less than the guaranteed amount and will continue for the rest of your life, beginning within 12 months of purchase.*
- Control and access. With i4LIFE®, you will have continued access to your account value and the ability to reallocate across the accounts within the annuity.
- Protection for beneficiaries. An annuity can also help ensure assets will be passed on to loved ones through a legacy planning death benefit.
Review our Client Guide to see how i4LIFE® Indexed Advantage can make a difference.
Lincoln Lifetime IncomeSM Edge provides a guaranteed income withdrawal amount, called the Lifetime Benefit Amount, which can be withdrawn from the contract value each rider year. The withdrawal amount is guaranteed, subject to terms of the rider, even if the contract’s accumulation value is reduced to zero.
Lincoln Lifetime IncomeSM Edge is subject to state availability.
i4LIFE® Indexed Advantage annuity rider (form AR-336 or state variations) is available for an additional charge of 0.95% (2.00% maximum). The minimum issue age for i4LIFE® Indexed Advantage is 55, and the minimum premium required to purchase this feature is $50,000.
Additional premiums are not allowed on flexible premium contracts.
1Lincoln Financial Group and Hanover Research, “Managing Long-term Care Risk,” October 2014.
*The guaranteed amount is determined using a number of variables including age, gender, access period, account value and number of lives covered (single or joint).