Life Insurance Quotes

Lincoln Financial announces guaranteed interest life insurance policy

08/25/11

The Lincoln Financial Group, a Philadelphia based corporation that offers life insurance, disability insurance and annuities, recently announced its new Lincoln LifeReserve® policy, a policy made up of three separately indexed sub-accounts that guarantee a 1 percent rate of interest performance and potentially higher gains based on index performance, according to MarketWatch.

Mike Burns, senior vice president of Life Solutions for Lincoln Financial, notes that the guaranteed interest rates are a product of Lincoln Financial's independent strength as well as its strong investment track record.

"In addition to death benefit protection, this product is another asset accumulation option for clients who may have hit a ceiling with other savings alternatives, such as a 401(k)," Burns said. "As an accumulation product, Lincoln LifeReserve IUL is an asset that can help diversify a client's portfolio."

In addition to the guaranteed 1 percent interest crediting floor, a LifeReserve policy features competitive rates, optimized and understandable application forms and easy-to-use monitoring software for policy holders to monitor their investments.

In the wake of the recent economic downturn, many life insurance companies are struggling to attract clients. Today, only about one out of every three Americans has an individual life insurance policy, according to the Insurance Information Institute, and only about half participate in policies offered by employers.

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