Income America - Participant

Introducing the Income America 5ForLife guarantee

Retirement income for life—guaranteed

You've spent your entire career working and saving for your future. As you watch the market fluctuate, you may be wondering: "Will my savings last as long as my retirement does?"

We get it—and that's why we developed Income America 5ForLife, a revolutionary retirement income solution. Income America 5ForLife allows you to accumulate savings while you work. When you turn 65, your income base is set to the greater of your contributions or the market value and cannot go down, even if the market drops.

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Why Income America 5ForLife?

Guarantee your income

Guarantee your income

Regardless of market performance, you will receive 5% of your current income base, every year—for life. Your income base will be the amount you've contributed or your account's market value when you reach age 65, whichever is greater.

Guarantee your potential growth

Guarantee your potential growth

You get to participate in the market's upside while still being able to look forward to guaranteed income. When you reach age 65, any and all market gains to your income base are locked in.

Guarantee control

Guarantee control

You can take your account balance and leave at any time. No surrender charges. No time commitments. No exceptions.

Guarantee beneficiary protection

Guarantee beneficiary protection

Since this guarantee does not require you to forfeit your market value, if you pass away, remaining market value will be paid out to your designated beneficiaries.

Important information: Guarantees are subject to the claims-paying ability of the issuing companies. The income guarantee is based on the income base at age 65, which is set to the greater of your market value or your contributions (less withdrawals) to date. The market value of your account is never guaranteed and fluctuates based on investment performance. While you can withdraw the market value of your account at any time without any fees or penalties, doing so will cause you to lose the income guarantee. Your income base is never available for withdrawal, but is only used for calculating your income.

If you withdraw more than the guaranteed annual income amount in any year, your income base and future guaranteed annual income amount will decrease. However, if your required minimum distribution exceeds your guaranteed income amount, your income base will not be affected and your payments will not be lowered. You may be able to roll over your balance to another retirement plan that offers Income America 5ForLife and retain the income guarantee, or to an IRA or plan that offers an option to retain the income benefit base and payout rate; however, the retirement plan or issuing insurer's IRA solution may have different investments, fees, and other features.

Income America 5ForLife: A unique collaboration

American Century Investments logo

Lincoln Financial Group logo

Nationwide Financial logo

Prime Capital Investment Advisors logo

Wilmington Trust logo

SS&C logo

Wilshire logo