Financial Professionals, Advisors | Guaranteed Income Providers

Guaranteed income made easy

Why Income America 5ForLife for your clients?

With the passage of the SECURE Act, more plan sponsors are seeking guaranteed income solutions. Income America 5ForLife offers a unique model: a portable, nonproprietary, multi-manager, and multi-insured series of target date portfolios.

ERISA 3(38) fiduciary uses strict criteria to select only the strongest insurers, glide path manager, and asset class managers
Includes guaranteed income providers with S&P life insurance company ratings of A or better
Qualifying providers are selected based on cost/fees


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Plan sponsors' top concerns

While an increasing number of plan sponsors are seeking to adopt lifetime income solutions, they have concerns:


say they're too
administratively complex


say fees are too high


say current products are too complex or unproven


worry that participants may face portability restrictions


say fees are not sufficiently transparent

Source: Willis Towers Watson 2019 Lifetime Income Solutions Survey
We've collaborated to deliver a powerful solution
Wilshire logo
  • Investment advisor fiduciary under ERISA 3(21)
  • Responsible for recommending glide path manager, guaranteed lifetime withdrawal benefit providers, underlying fund products, and stable value product offerings to the trustee from an investment universe selected by the product consultant for each category
American Century Investments logo Target date glide path manager and underlying sub-asset class manager
Lincoln Financial Group logo
Nationwide Financial logo
  • Guaranteed lifetime withdrawal benefit providers
  • Stable Value (fixed account)
  • DC plan recordkeepers
Wilmington Trust logo Trustee and investment manager fiduciary under ERISA 3(38)
SS&C logo Provides the Retirement Income Clearing and Calculation Platform (RICC), a middleware application designed to facilitate the efficient distribution and servicing of in-plan guaranteed income products across various recordkeepers and participating insurers.

Income America 5ForLife: A unique collaboration

American Century Investments logo

Lincoln Financial Group logo

Nationwide Financial logo

Wilmington Trust logo

SS&C logo

Wilshire logo