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Long-term care planning

Featured update

Plan for the long-term (care)

MoneyGuard Market Advantage® (2024)

The NEW MoneyGuard Market Advantage® (2024), a variable life insurance policy with a long-term care rider, provides clients more flexibility and choice, with enhanced benefits and features.

  • Market-driven, income tax-free LTC benefits of up to 4x accumulation value
  • NEW! More investment options available with First Trust funds
  • NEW! Choice of reimbursement or cash indemnity benefits at first claim
 

Maximize tax advantages with MoneyGuard Market Advantage® (2024)

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Improved pricing on MoneyGuard® II (CA only)
Effective July 15, 2024, Lincoln Financial will be implementing pricing decreases to Lincoln MoneyGuard® II (California only), which will improve competitive positioning. Designs outside of the targeted improvements, will have pricing increases and decreases varying by a wider range as part of these updates

 

Check out our improved rates

    

Campaign highlights
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Optimize inherited IRA distributions for long-term care protection
We often see clients who have recently inherited an IRA and now have a new stream of income because they must adhere to the 10-year distribution rule. These clients can combine that 10-year required IRA distribution with Lincoln MoneyGuard® solutions to create a tax-efficient, long-term care plan that helps protect their loved ones and financial legacies.

 

See how to optimize inherited IRA distributions
Watch the MoneyGuard® Solutions Sales Concepts video to learn more

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Turn annuity income into long-term care protection
Leveraging annuity income is one way to help fund a long-term care (LTC) solution. By turning on the guaranteed income from annuities earlier, clients can:

  • Generate more total income
  • Mitigate tax consequences
  • Create an income tax-free pool of LTC benefits
 

See how to turn annuity income into long-term care protection

Flexible Legacy Benefits in LTC Planning

MoneyGuard® solutions’ joint feature gives clients choices
Our joint feature offers all clients, not just couples, the ability to determine how to use death benefit proceeds with the Benefit Transfer Rider1 (BTR), which is available on all MoneyGuard® Advantage policies (universal life and variable universal life insurance policies with long-term care riders) at no additional cost.

  • Benefits for more than married couples
  • Product optionality through choices
  • Separate death benefits
  • No decision needed until time of claim
 

Find out more about using the joint feature to help clients take control of their individual LTC plans and connect with the next generation

Product news
MoneyGuard Conversion Catalyst Tool

Bring clarity to long-term care planning
Lincoln’s MoneyGuard® Solutions Conversation Catalyst tool helps clients understand care options, identify care preferences and associated costs, and confirm a funding solution is set to meet their needs. Use the Conversation Catalyst tool with clients to help have an impactful LTC planning conversation and help reduce the stress of building an LTC funding plan.
 

Access the MoneyGuard® Solutions Conversation Catalyst Tool

Real-time approval

Real-Time Approval
Lincoln is excited to provide you and your clients with a Real-Time Approval (RTA) for eligible Lincoln MoneyGuard® cases. For a portion of your business, clients who are in excellent health and are able to be approved by our automated underwriting process may be informed of their approval immediately after their interview.

 

For more information about Real-Time Approval, please see our RTA flyer and our  RTA Agent Training Brainshark

Operational updates
MoneyGuard GoDigital

Enhanced Go Digital Experience
The new Go Digital promotes our electronic capabilities beyond underwriting and new business — including pre-sale and inforce policy management features!
 

Digital First

Lincoln MoneyGuard solutions’ digital process

Transform the user experience

Improve efficiency, reduce touch points with Lincoln MoneyGuard® solutions’ digital process

1 All MoneyGuard® Advantage policies have the Benefit Transfer Rider included at issue for no additional cost. To use the Benefit Transfer Rider, beneficiaries must also be the insured on another MoneyGuard® policy and the rider must be on both policies. Both policies do not need to be opened at the same time. Benefit Transfer Rider funding purchases guaranteed, paid-up long-term care and death benefits. Minimum BTR purchase amount is $25,000 and cannot be funded prior to attained age 50. 2 Beneficiaries may receive an income tax-free death benefit under IRC Section 101(a)(1).

This material is for informational or educational purposes only and is not intended as legal, tax, estate or investment advice. Individuals should consult an independent professional as to any legal, tax, accounting, estate or investment-related statements made herein.

For financial professional use only. Not for use with the public.