Swiss Army Knives image

The Swiss army knives

of financial tools 

When helping clients build a plan for the retirement of their dreams, it's important to have the right tools for the job.

There’s a good chance you’ll need a way to bring added certainty to your clients’ portfolios — especially when you consider that investors seeking protection have been “driving some of the biggest annuity sales increases on record.”*

Lincoln recognized in Barron’s “Best Annuities” list 12 times.

That’s more than any other carrier!

See Barron's top 100  

In a recent article, Barron’s looked at the renewed role that annuities play in client portfolios — especially in light of potential tax increases, inflation and “bond yields so low they’re useless for income and no longer serve as ballast during a stock market tumble. It’s no wonder that investors in or nearing retirement are seeking alternatives to the traditional stock-and-bond portfolio.” It all comes down to this, annuities are the Swiss army knives of financial tools. Each type is designed for a specific task.”*

A multipurpose (tax) tool

You can play a major role in proactively addressing your clients' concerns and helping them feel they have more control over their tax outcomes. Consider this approach to help them reduce tax exposure while preserving their market exposure for potentially higher returns over the long term.

Playing it safe isn’t playing dead

Protection and growth are not oil and water. A strategy that addresses both can help clients feel more confident about their retirement portfolio. So after this past year, they may be quite receptive to conversations around a product that focuses on downside protection mixed with growth potential and linked to market indices, such as an indexed variable annuity.

Or explore underlying fund options that help clients know — and better control — their investment outcomes.

Retirement should be sacred, not scary

When clients first planned for their retirement, they probably had big dreams. Travel. Summer homes. More travel. But today, many are concerned about running out of money. Variable annuities with an optional living benefit for an additional cost can provide protected income payments that will last their lifetime.

Partner with us

To learn more about helping your clients plan for protected retirement income, contact your Lincoln representative today at 877-533-0265. And follow us on LinkedIn and Twitter for regular insights and tips on retirement income planning conversations.

About the Author

Brian Kroll

Brian Kroll is senior vice president and head of Annuity Solutions at Lincoln Financial Group, where he is responsible for leading Lincoln’s annuity product management, product pricing, financial management and business risk management functions. Kroll champions Lincoln’s comprehensive offering of competitive needs-based solutions that can help people manage retirement risk and maximize retirement income. He is responsible for the company’s fixed and variable annuity product capabilities, issuance and strategy, with a focus on growing the product lines through the development of new and efficient products and services by maintaining the client experience and profitability standards and practices.

Kroll has more than 25 years of experience directing all aspects of annuity product development and management. He is Summa Cum Laude graduate of Mankato State University and a Fellow of the Society of Actuaries. He has served on the Corporate Advisory Council of the International Association of Black Actuaries (IABA). He currently serves as an executive sponsor of Lincoln’s Latino Business Resource Group and on the Annuity Committee of the American Council of Life Insurers (ACLI).