Lincoln IRA Income Plus living benefit gives the contract owner a payout rate of up to seven percent at age 70 with the caveat that the rate will drop to 4% if the account value goes to zero. There's also a 6% simple deferral bonus.

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Allianz Life's fixed indexed annuity (FIA) sales reached $9.2 billion, up 23% over the previous year. AIG's Individual Retirement unit reported $1.68 billion in adjusted pre-tax profit in 2018, down 27% from 2017, according to the latest 10-K report.