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                                                                      EX-99.CERT

                                 CERTIFICATIONS

                         Pursuant to Section 302 of the
                           Sarbanes-Oxley Act of 2002

I, Robert S. Dow, certify that:

     1.   I have reviewed this report on Form N-CSR of Lord Abbett Tax-Free
          Income Fund, Inc.;

     2.   Based on my knowledge, this report does not contain any untrue
          statements of material fact or omit to state a material fact necessary
          to make the statements made, in light of the circumstances under which
          such statements were made, not misleading with respect to the period
          covered by this report;

     3.   Based on my knowledge, the financial statements, and other financial
          information included in this report, fairly present in all material
          respects the financial condition, results of operations, changes in
          net assets, and cash flows (if the financial statements are required
          to include a statement of cash flows) of the registrant as of, and
          for, the periods presented in this report.


Date: May 22, 2003


                                                     /s/ Robert S. Dow
                                                     -----------------
                                                     Robert S. Dow
                                                     Chief Executive Officer,
                                                     Chairman and President


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                                 CERTIFICATIONS

                         Pursuant to Section 302 of the
                           Sarbanes-Oxley Act of 2002

I, Joan A. Binstock, certify that:

     1.   I have reviewed this report on Form N-CSR of Lord Abbett Tax-Free
          Income Fund, Inc.;

     2.   Based on my knowledge, this report does not contain any untrue
          statements of material fact or omit to state a material fact necessary
          to make the statements made, in light of the circumstances under which
          such statements were made, not misleading with respect to the period
          covered by this report;

     3.   Based on my knowledge, the financial statements, and other financial
          information included in this report, fairly present in all material
          respects the financial condition, results of operations, changes in
          net assets, and cash flows (if the financial statements are required
          to include a statement of cash flows) of the registrant as of, and
          for, the periods presented in this report.


Date: May 22, 2003


                                     /s/ Joan A. Binstock
                                     --------------------
                                     Joan A. Binstock
                                     Chief Financial Officer and Vice President
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                                 CERTIFICATIONS

                         Pursuant to Section 906 of the
                           Sarbanes-Oxley Act of 2002


I, Robert S. Dow, certify that:

     1.   This report on Form N-CSR of Lord Abbett Tax-Free Income Fund, Inc.
          (the "Report") fully complies with the requirements of Section 13(a)
          or 15(d) of the Securities Exchange Act of 1934; and

     2.   The information contained in the Report fairly presents, in all
          material respects, the financial condition and results of operations
          of the issuer.


Date: May 22, 2003


                                                   By: /s/ Robert S. Dow
                                                       Robert S. Dow
                                                       Chief Executive Officer,
                                                       Chairman and President

<Page>

                                 CERTIFICATIONS

                         Pursuant to Section 906 of the
                           Sarbanes-Oxley Act of 2002


I, Joan A. Binstock, certify that:

     1.   This report on Form N-CSR of Lord Abbett Tax-Free Income Fund, Inc.
          (the "Report") fully complies with the requirements of Section 13(a)
          or 15(d) of the Securities Exchange Act of 1934; and

     2.   The information contained in the Report fairly presents, in all
          material respects, the financial condition and results of operations
          of the issuer.


Date: May 22, 2003


                                 By: /s/ Joan A. Binstock
                                     --------------------
                                     Joan A. Binstock
                                     Chief Financial Officer and Vice President