Plan Sponsors, Employers | Guaranteed Retirement Income Plans

cost-efficient, and flexible.
That's Income America.

Why Income America 5ForLife for your participants?

Created by several industry leaders to help solve the guaranteed retirement income problem, Income America 5ForLife is an innovative, unbiased, multi-insured, in-plan retirement income solution that is:

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A participant may be able to roll over his or her 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. If a participant's required minimum distribution exceeds the guaranteed income amount, the participant's income base will not be affected and payments will not be lowered.


To learn more about Income America 5ForLife, please complete the form below.

I am a:

Participants are interested in guaranteed income products


express interest in guaranteed lifetime income.


say they would be more likely to leave money in their plan if their employer offered an investment option specifically to help retirees draw income during retirement.

Source: EBRI/Greenwald 2019 Retirement Confidence Survey
Source: American Century 8th Annual Survey of Retirement Plan Participants, 2020

Excellence across many dimensions

Guaranteed, All in one, QDIA appropriate, SECURE Act Compliant, Collaborative, Flexible, Cost effective, Portable and platform agnostic, High-tech

Easy‐to‐implement QDIA options

Let's discuss what may work best for your population:

  • Pair your existing QDIA with Income America 5ForLife
    Consider using your existing QDIA for younger participants and choose a default age to move participants to Income America 5ForLife.
  • Fully convert your QDIA to Income America 5ForLife
    Think about moving all your defaulted participants to Income America 5ForLife, regardless of age.
Define goals


Define goals

Vote to add an in-plan guarantee product to your plan

 Update documents


Update documents

Add in-plan guarantee to your Investment Policy Statement (IPS)

Issue a request for proposal


Research options

Issue a request for proposal (RFP)

Make decision


Make decision

Make, document, and communicate your decision




Proceed with your QDIA implementation process

Income America 5ForLife: A unique collaboration

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Lincoln Financial Group logo

Nationwide Financial logo

Wilmington Trust logo

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