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

Middle-aged couple and their adult son
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.

Middle-aged couple smiling together
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 WealthAccumulateSM 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 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.

Try our life insurance calculator.

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.

Try our life expectancy calculator.

1Loans and withdrawals will reduce the policy’s cash value and death benefit, may cause the policy to lapse, and may have tax implications.

Variable products are sold by prospectuses, which contain the investment objectives, risks, and charges and expenses of the variable product and its underlying investment options. Read carefully before investing.

Policy values will fluctuate and are subject to market risk and to possible loss of principal. Products, riders and features are subject to state availability. Limitations and exclusions may apply. Check state availability.

For Financial Professionals only.