Isn’t it time to take the guesswork out of investing for retirement?
This revolutionary investment provides guaranteed retirement income for life to help you stop worrying about outliving your savings—and start enjoying your retirement.
Count on our 5% guarantee
Available through your employer’s retirement plan, Income America™ 5ForLife guarantees payments of 5% of your income base per year for the rest of your life, even if the market dips.
Capture the market’s upside
Enjoy the best of both worlds: The opportunity to grow your income base by taking advantage of the market’s upside and the assurance that your income base will never decrease as a result of a market downturn.
Control your future
You’re always in control of your assets. That means you can transfer or withdraw your Income America 5ForLife balance at any time with no penalties or surrender charges. And any investment balance goes to your heirs.
Guarantees are subject to the claims-paying ability of the issuing company(ies). The market value of this investment option is never guaranteed and fluctuates based on investment performance. To receive the guaranteed income, you must stay invested in Income America 5ForLife. If you withdraw more than the guaranteed income in any year, your income base and future guaranteed income amount will decrease.
Income America 5ForLife by the numbers
Source: SS&C as of December 2025
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Here’s how Income America 5ForLife works
It’s as easy as investing in a typical retirement plan fund, but with the guarantee of income for life:
- Every dollar you invest in Income America 5ForLife will be added to your income base, which is protected even if there’s a market downturn.
- Once a year on your birthday, your income base can re-set, stepping up to capture any gains.
- At age 65 you can start receiving 5% of your income base every year for life. Want to retire later? You can continue making contributions, which can potentially increase your income base and payments.
Income America 5ForLife in action
See how Julie turns her hard-earned retirement savings into guaranteed income for life.
When Julie turns 55, she decides to move $60,000 from other funds in her retirement account into Income America 5ForLife. This establishes her income base.*
Over the next 10 years, her income base continues to grow with every contribution she makes.
Thanks to our step-up feature, Julie’s income base is compared to her current investment balance every year on her birthday.
At age 65, Julie’s contributions total $143,500, but thanks to market gains and annual step-up opportunities, her income base locks in at $200,000—which translates to $10,000/year, or 5% of her income base, for life.
Julie retires with guaranteed income she can count on for life. But if she wasn’t ready to retire, she could keep working and adding to her income base.
Julie continues to receive annual guaranteed income payments even if her account value goes to $0.
And when she dies, her beneficiaries inherit any remaining investment balance.
*Your income base is never available for withdrawal and is only used for calculating your income. It may be adjusted based on contributions to and/or withdrawals from the investment. While you can withdraw the market value of your investment option without any fees or penalties, doing so may cause you to lose some or all of the income guarantee. If plan provisions permit, you may elect to receive income at any time after age 65. If you withdraw more than the guaranteed income in any year, your income base and future guaranteed income 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.
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