Maximize the Family Outcome with Estate Lock
When we use a lifetime income rider on an FIA, we're solving one of retirement's biggest risks:
What if the client lives too long?
But there's another question worth asking:
What if they don't?
A strong retirement strategy should consider both outcomes.
Protect the Client. Protect the Family.
Lincoln OptiBlend Income® + Estate Lock℠ can help address both sides of the retirement equation:
- ProtectedPay® Select — provides guaranteed lifetime income the client can't outlive.
- Estate Lock℠ Death Benefit — helps protect the client's legacy if life doesn't go according to plan.
With Estate Lock, clients can take their protected lifetime income while helping preserve their initial premium for beneficiaries, as long as an account value remains.*
Live a long life? The income protection is there.
Pass away sooner than expected? The legacy protection can help maximize the family outcome.
That's a powerful conversation to have with clients who want retirement income without losing sight of what they hope to leave behind.
