"Lincoln believes that illustrations based on reasonable non-safe harbor assumptions should be permitted.... Lincoln agrees that guidance is needed on how to comply with a retirement income illustration requirement without running afoul of [FINRA] rules.... Lincoln believes that the illustrations should be required to contain either single life annuity illustrations only, or in the alternative, both single life and joint and survivor annuity illustrations, without regard to a participant's actual marital status. We do not believe the illustration should include joint and survivor annuity illustrations only on benefit statements of married participants and beneficiaries."

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