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Balance cost and performance potential

Meet Adam. He’s a top income-earner, who realizes he may face a retirement income gap unless he finds a way to supplement his savings.

Adam is currently making the maximum allowable contributions to his 401(k) plan. While reviewing his needs, for both additional protection for his family and another source for retirement income, his financial professional recommends adding an accumulation IUL to his portfolio. It offers the protection he needs for his family plus growth opportunities from indexed accounts linked to S&P 500 Index performance. Adam is also concerned about costs, so his financial professional shows him how allocating across multiple accounts can manage costs.


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See how to select investment options, balancing cost and performance potential.

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Start a conversation

Many of the successful individuals you work with need tax-efficient ways to supplement their retirement income. Open up your planning discussion by asking:

  • What is more important to you, growth or protection?
  • Are you interested in receiving the highest possible returns for an extra charge?
  • Would you like to earn guaranteed positive crediting every year—even in a down market?
  • Do you think the market will produce positive returns year after year?

The answers to these questions can help determine a more strategic allocation approach that aligns with the client’s cost expectations and without having to sacrifice upside potential.


See how an accumulation IUL can strengthen a retirement portfolio.

View a client approved case study

One of the top 5 reasons why Americans buy life insurance is to supplement their retirement income.*

*LIMRA, “ People Look to Life Insurance for Supplemental Retirement Income ” 5/25/17.

Issuers: 
The Lincoln National Life Insurance Company, Fort Wayne, IN 
Lincoln Life & Annuity Company of New York, Syracuse, NY 

The Lincoln National Life Insurance Company does not solicit business in the state of New York, nor is it authorized to do so. 

All guarantees and benefits of the insurance policy are subject to the claims-paying ability of the issuing insurance company. They are not backed by the broker-dealer and/or insurance agency selling the policy, or any affiliates of those entities other than the issuing company affiliates, and none makes any representations or guarantees regarding the claims-paying ability of the issuer. 

Products, riders and features are subject to state availability. The insurance policy and riders have limitations, exclusions, and/or reductions. Check state availability.  

Distributor: Lincoln Financial Distributors, Inc., a broker-dealer 

Policies:  

Lincoln WealthAccumulate® IUL (2019), policy form ICC18UL6083/UL6083 and state variations. Not available in NY.  

Lincoln WealthPreserve® IUL (2017), policy form ICC17UL6082/UL6082 and state variations, UL6082 in NY. 

Lincoln AssetEdge® VUL (2015) policy form LN683 and state variations; LN683 in NY.  

Lincoln VULONE (2019) policy form LN696/LR668 and state variations. Not available in NY.  

Lincoln SVULONE (2016) policy form LN667/LR667 and state variations. Not available in NY. 

Variable products: Policy values will fluctuate and are subject to market risk and to possible loss of principal. 

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. 

Only registered representatives can sell variable products. 

For agent or broker use only. Not for use with the public