Lincoln ProtectedPay SM lifetime income

Available with Lincoln InvestmentSolutionsSM RIA variable annuities

Clients who don’t have a pension ready to go when the paychecks stop need a strategy for using the money they’ve saved to support the lifestyle they have planned in retirement.

With the Lincoln ProtectedPaySM lifetime income suite, available for an additional cost, you can help them replace their paycheck with a stream of income that’s guaranteed for life.

Older couple stand on cobblestoned street with buildings on either side

Predictable growth. The Protected Income Base grows at the greater of 6% (simple interest) or account performance.

Protected income for life. Get a steady income stream or choose an option that delivers more income in the earlier years of retirement.

Investment choice and flexibility. Build a portfolio that fits your clients’ goals and investment preferences.

Explore the lifetime income options

Choose from six options to create an income strategy best suited to your clients’ individual needs, goals and retirement lifestyle.

 

  • Select Core
  • Select Plus
  • Select Max
  • Secure Core
  • Secure Plus
  • Secure Max
Meet Carol

Lincoln ProtectedPay Select CoreSM

Meet Carol

“I want predictable lifetime income.”

She chooses this option because she wants:

  • Consistent income that will last throughout retirement and will never decrease
  • Access to a broad set of investment choices

 

Age Single Joint

75+

6.30%

5.85%

70-74

6.05%

5.60%

65-69

6.00%

5.50%

59-64

4.25%

4.10%

    

Pen writing on check
Tax-advantaged income with i4LIFE®

You have the option to transition the greater of your Protected Income Base or account value to i4LIFE® Advantage Select Guaranteed Income Benefit (GIB). If invested with after-tax money, i4LIFE® helps manage the impact of taxes on your income.

Learn more about i4LIFE®

Meet Janelle

Lincoln ProtectedPay Select PlusSM

Meet Janelle

“I want to hold off taking Social Security income.”

She chooses this option because she wants:

  • Front-loaded retirement income to bridge the gap before Social Security starts
  • Growth potential through a broad set of investment choices

 

Age Single AV>0 Single AV=0 Joint AV>0 Joint AV=0

75+

7.60%

4.00%

7.00%

4.00%

70-74

7.50%

4.00%

6.75%

4.00%

65-69

7.25%

4.00%

6.60%

4.00%

59-64

5.30%

3.00%

4.80%

3.00%

    

Meet Steve

Lincoln ProtectedPay Select MaxSM

Meet Steve

“I want an active life in retirement.”

He chooses this option because he wants:

  • Higher income during the first part of retirement to meet anticipated higher expenses
  • Growth potential through a broad set of investment choices

 

Age Single AV>0 Single AV=0 Joint AV>0 Joint AV=0

75+

8.80%

3.50%

8.30%

3.25%

70-74

8.55%

3.50%

8.10%

3.25%

65-69

8.30%

3.50%

7.90%

3.25%

59-64

5.30%

3.00%

4.80%

3.00%

    

Meet George

Lincoln ProtectedPay Secure CoreSM

Meet George

“I’m concerned I’ll run out of money in retirement.”

He chooses this option because he wants:

  • Consistent income that will last throughout retirement and will never decrease
  • Access to more focused, less risky set of investment choices

 

Age Single Joint

75+

6.55%

6.10%

70-74

6.30%

5.85%

65-69

6.10%

5.60%

59-64

4.75%

4.35%

    

Pen writing on check
Tax-advantaged income with i4LIFE®

You have the option to transition the greater of your Protected Income Base or account value to i4LIFE® Advantage Select Guaranteed Income Benefit (GIB). If invested with after-tax money, i4LIFE® helps manage the impact of taxes on your income.

Learn more about i4LIFE®

Meet Victor

Lincoln ProtectedPay Secure PlusSM

Meet Victor

“I don’t want my lifestyle compromised by market movement.”

He chooses this option because he wants:

  • More income earlier in retirement with adjusted, lower payments that are guaranteed for life
  • Access to more focused, less risky set of investment choices

 

Age Single AV>0 Single AV=0 Joint AV>0 Joint AV=0

75+

7.85%

4.00%

7.25%

4.00%

70-74

7.75%

4.00%

7.00%

4.00%

65-69

7.50%

4.00%

6.85%

4.00%

59-64

5.65%

3.00%

5.15%

3.00%

    

Meet Lori

Lincoln ProtectedPay Secure MaxSM

Meet Lori

“I want to travel the world as soon as I retire.”

She chooses this option because she wants:

  • Maximum initial income to help with the higher level of expenses she expects.
  • Access to more focused, less risky set of investment choices

 

Age Single AV>0 Single AV=0 Joint AV>0 Joint AV=0

75+

9.00%

3.50%

8.50%

3.25%

70-74

8.75%

3.50%

8.30%

3.25%

65-69

8.50%

3.50%

8.10%

3.25%

59-64

5.65%

3.00%

5.15%

3.00%

    

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Other income options

The Lincoln ProtectedPaySM lifetime income suite is not available in all states. In some cases, the options for protected lifetime income will be Lincoln Market Select® Advantage, Lincoln Lifetime IncomeSM Advantage 2.0 and Lincoln Max 6 SelectSM Advantage.

Learn more about these options

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