Lifetime Income Non-Qualified Solutions+
Extend Benefits, Reduce Expenses
LINQS+ is an innovative financing strategy that extends employee benefits to last a lifetime while reducing expenses.
Lifetime Income Non-Qualified Solutions+
Extend Benefits, Reduce Expenses
LINQS+ is an innovative financing strategy that extends employee benefits to last a lifetime while reducing expenses.
The Power of LINQS+
THE POWER OF LINQS+
Covering Costs
Use an asset to cover benefit plan costs and secure lifetime payments.
Annuity Setup
Use a fixed or fixed income annuity for the LINQS+ design.
Securing Benefits
Get a contractual guarantee for lifetime benefits from the insurance company.
Asset Support
Keep the annuity on the balance sheet to support the benefit, with a guarantee for lifetime payments.
Annual Retirement Benefits Provided
Plan Participants
States
Plan Sponsors
Average Annuity Purchase Size
Client Testimonial
“LINQS+ is an instrumental, outstanding program for us to meet the objectives of the board and compensation committee to retain senior management.”
– LYNN JOYCE, CFO SOUTHERN STATE BANK
Simple, Effective, Guarenteed
LINQS+ utilizes an insurance company guarantee in the form of an income rider attached to a fixed index income annuity. The company is the owner and beneficiary, and the executive is the annuitant.
The rider includes a Guaranteed Minimum Withdrawal Benefit (GMWB) to ensure a steady income stream for life, independent of market performance.
The company retains full control, receiving and distributing payments to executives seamlessly.
How It Works
Your company transfers longevity, investment, and interest rate risk to an accredited third party to provide lifetime income.
Cost of the guarantee is fixed and expensed over the service period of executive and the life of the asset.
Utilizing the proprietary Newcleus solution, companies can typically save up to 40% or more compared to the cost of the current SERP design.
Savings can be passed to shareholders and/or to enhance lifetime income benefit amounts.
LINQS+ is only available with Newcleus.
Empower Your Benefit Plans or Financing Strategy
Build your benefit, finance, or compensation strategy with precision and unparalleled industry insight. Team up with a Newcleus advisor for strategic guidance tailored to your needs.