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 WealthAccumulate® IUL provides significant wealth accumulation and distribution potential, and is designed to give your clients flexibility for growth, access to cash value and financial protection throughout their lives. This IUL features three indexed accounts linked to S&P 500 Index performance, as well as downside protection. It also offers a participating loan and fixed loan option that can make income planning more predictable.1 If your clients want a living benefit, they can select from two options.
Lincoln AssetEdge® VUL (2020) tax-efficient growth potential and opportunity for an income tax-free financial resource with more than 75 investment options. For clients concerned about health-related expenses in retirement, the policy offers options for chronic illness protection.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.