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Lincoln MoneyGuard® Reserve Plus?

Like many people, you want to help protect your retirement savings from health-related expenses, such as long-term care. With Lincoln MoneyGuard® Reserve Plus you have the flexibility to fit your financial plan. This universal life insurance with optional long-term care benefit riders gives you a choice of payment options, from a single premium to payments spread out over 3, 5, 7 or 10 years.


Unlike traditional long-term care insurance, your policy costs are set at issue and will never increase. Because the policy offers a choice of premium payments, you have the option to choose how you pay for your coverage. Your policy provides benefits, — even if you never need long-term care, provided all planned premiums are paid.

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Lincoln MoneyGuard® Reserve Plus?

  • If you need long-term care, you can receive income tax-free reimbursements for qualified long-term care expenses. There's no deductible or waiting period. This can make a real difference in your total out-of-pocket costs for qualified long-term care expenses.

 

  • If you don't need long-term care, your policy provides an income tax-free death benefit. Your children, or loved ones, designated as beneficiaries, will receive a legacy. The death benefit would be reduced by any loans, withdrawals and benefits paid.

 

  • If you change your mind you have options. You can have a full return of your premium after year 5 (subject to the vesting schedule below, if surrendered before year 5), reduced by any loans, withdrawls, and benefits paid, provided all planned premiums are paid.

Months 0—6=100%

Months 7—12=90%

Year 2=92%

Year 3=94%

Year 4=96%

Year 5=98%

Year 6=100%

Stay in control with added advantages

When you're retired, the last thing you and your family want to deal with is making tough decisions about long-term care, such as deciding which assets to sell to pay the costs.
Take the next step toward your future with Lincoln MoneyGuard® Reserve Plus.
 

  • Add inflation protection options to help keep pace with rising long-term care costs.

  • Choose the care you want—even in the comfort of your home. 

  • Feel confident if you live abroad because your policy includes international benefits.

 
Talk to your financial advisor about your flexible options. Take charge of your future — today!
 
We can help you find a financial advisor if you don't currently have one.
The purpose of this communication is the solicitation of insurance. Contact will be made by an insurance agent or insurance company.
 
1 Available at an additional cost.
 
2 Long-term care reimbursements are generally income tax-free under IRC Section 104(a)(3).
3 Beneficiaries can receive an income tax-free death benefit under IRC Section 101(a)(1).
 
4 Through the Enhanced Surrender Value Endorsement available at issue on all single premium policies and flexible premium policies for ages 35 — 69.
 
Endorsement contains complete terms and conditions. If surrendered before the planned premiums are paid, the surrender value will be paid.

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