Supplemental retirement income
Protecting income-producing assets and minimizing taxes is an important part of your clients’ retirement income strategies.
Permanent life insurance solutions can protect wealth and create an asset that can be a source of tax-advantaged supplemental income in retirement, as your clients face downsizing, student loans and debt, fewer tax deductions, and market volatility.1
Get to know your clients
Affluent clients in their peak earning years
They need protection, value, and flexibility, and may also have incomes that support multiple long- and short-term goals. Their liabilities may exceed their savings and they're likely funding large expenses like college tuition.
Mature clients preparing for retirement
They are tax-aware investors making the maximum contributions to their 401(k) plans to firm up their financial footing. While they have diversified investments, they still recall the market crash of 2008.
Solutions to consider
- For clients with several goals
- For clients seeking upside potential
Lincoln WealthAdvantage® Indexed UL offers strong cash value growth potential with a choice of three indexed account options. It features participating loans for greater income potential, and a fixed loan option that makes income planning more predictable.1 An optional rider is available for permanent chronic or terminal illness protection.2
Lincoln AssetEdge® VUL tax-efficient growth potential and opportunity for an income tax-free financial resource with more than 70 investment options. For clients concerned about health-related expenses in retirement, the policy features an optional rider that protects against permanent chronic or terminal illness.2
How much life insurance does my client need?
Use this life insurance calculator to help address your client's needs and their financial situation.
Will your client's savings last a lifetime?
Our life expectancy calculator can help determine how much they'll need to provide for their family and themselves.