Insurance and Annuities

Lincoln Investment financial advisors offer a selection of fixed, index, and variable annuity investments

As a part of your retirement portfolio, these investments can provide strategies for accumulating wealth and protection against market losses, generate income and defer your earnings from current taxation. In addition to annuity strategies, your financial advisor can teach you how to protect the people and items you value most through the use of insurance, which can offer protection for your loved ones, preserve your estate/legacy, provide income in the event of a disability and assist with the cost of long-term care.

Protection for a lifetime: determining your insurance needs

Stage One: Protect
(ages 25-40)

If you and your spouse work, you still need insurance to supplement the potential loss of an income if one of you passes away. Consider insurance for a stay–at–home parent to cover childcare expenses if the non–working spouse dies. You might also think about using life insurance as a long–term savings tool to help meet future financial needs.

Stage Two: Re-evaluate
(ages 40-55)

Adjust your life insurance policy and your coverage to meet your current needs. If you are earning more than when you first purchased insurance, more income would need to be replaced to meet your family’s future expenses, especially college. You also need to start thinking about how much you will need to save for retirement.

Stage Three: Supplement
(ages 55-65)

Think about your retirement. Do you and/or your spouse have enough money to retire comfortably? While still considering death protection for your family, you may also want to set aside money for your grandchildren’s education and plan for potential long–term care needs.

Stage Four: Conserve
(ages 65 and over)

You have worked hard over the years to build an estate and you should preserve it for your family with an estate plan. Life insurance can provide cash for your heirs to help pay estate taxes, thus preserving other assets.

Protection for every stage in life

The great mystery of life is the length of it. Each of us hopes to live a long, normal life. But since you can’t predict the future, you need to ensure that your dependents will have the financial means necessary to maintain their standard of living after you are gone. One way to accomplish this goal is to purchase life insurance.

For help in analyzing your life insurance needs, you’ll need to consult a professional for guidance. Your Lincoln Investment financial professional has the experience, skills, and resources to help you find the best coverage for your unique situation.

  • AIG

  • Allianz Life Insurance Company of North America

  • American National Insurance Company

  • Annuity Investors Life Insurance Company / Great American Life Insurance Company

  • Athene Annuity and Life Company

  • Brighthouse Financial, Inc. (MetLife Investors USA Insurance Company)

  • Columbus Life Insurance Company

  • CUNA Mutual Group

  • Equitable Financial Life Insurance Company (AXA)

  • Global Atlantic Distributors

  • Jackson National Life Insurance Company

  • Lincoln Financial (Lincoln National Life)

  • Midland National Life Insurance Company

  • Minnesota Life / Securian Financial

  • Nationwide Life Insurance Company

  • Pacific Life Insurance Company

  • Protective Life Insurance Company

  • Prudential Annuities Life

  • Security Benefit Life Insurance Company

  • Transamerica Life Insurance & Annuity Company

  • * Other carriers may be available.

Available Annuity Companies

A variable annuity is an insurance contract which offers three basic features not commonly found in mutual funds: (1) annuity payout options that can provide guaranteed income for life; (2) a death benefit; and (3) tax-deferred treatment of earnings. When applicable, the tax deferred accrual feature is already provided by the tax-qualified retirement plan (e.g. 403(b), IRA, etc.). The U.S. Securities and Exchange Commission (Investor Tips: Variable Annuities) has suggested that it may be more advantageous to make the maximum allowable contribution to a tax-qualified retirement plan before investing in a variable annuity. The separate account of a variable annuity is not a mutual fund. While separate accounts may have a name similar to a mutual fund, it is not the same pool of funds and will experience different performance than the mutual fund of the same or similar name. In addition, the financial ratings of the issuing insurance company do not apply to any non-guaranteed separate accounts. The value of the separate accounts that are not guaranteed will fluctuate in response to market changes and other factors. Variable annuities are designed to be long-term investments and early withdrawal may be subject to tax penalties and charges. Please obtain a prospectus for complete information including charges and expenses. Read it carefully before you invest or send money.

Indexed Annuities are not securities. Interest payments are contractual obligations of the insurance company. Refer to policy for specifics regarding when interest is credited (usually only for funds held for of a specified term) and how interest is calculated (may be less than actual index due to expenses and exclusion of dividend earnings of the index). Past performance of the index is no guarantee of future changes in the index or of future indexed interest earnings. Please obtain a prospectus for complete information including charges and expenses. Read it carefully before you invest or send money.

In reference to general account obligations and guarantees, such as is present with fixed annuities, the ability for the insurance company to meet these obligations to policyholders are subject to sufficient capital, liquidity, cash flow and other resources of the insurance company.