Long-term care planning
Featured update
Maximizing Moments that Matter
Maintain and engage the next generations with protection solutions
In life, there are many moments that can have a ripple effect across generations. These Moments that Matter may force your clients to make trade-offs and reprioritize their wants and needs. Join us to see how you can help clients proactively plan so they can stay on track to reach their financial goals.
MoneyGuard Market Advantage® (2024)
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
- More investment options available with First Trust funds
- Choice of reimbursement or cash indemnity benefits at first claim
Maximize tax advantages with MoneyGuard Market Advantage® (2024)
Long-Term Care State Regulatory Update in an Election Year
Hear from Lincoln Government and State Affairs on the continued efforts of state-level long-term care services and programs along with the impact an election year could pose to activity in 2025.
The tax advantage your clients are missing
Long-term care solutions can help mitigate portfolio risk while also helping to protect against inflation by offering tax-deferred growth potential and tax-free long-term care benefits.
Learn more about how this tax-efficient strategy can help your clients
Long-term care client profiles
Opportunities to create a more tax-efficient strategy for long-term care costs
Using annual exclusion for gifts to fund MoneyGuard Market Advantage®
Do you have clients whose families use gifting opportunities to reduce the assets in their estates? This can be a great way to pass money to loved ones as a part of overall financial planning. However, leaving a multigenerational legacy is about more than wealth distribution. Creating an effective long-term care plan allows your clients to leave a meaningful legacy through the gift of long-term care protection that demonstrates their commitment to loved ones.
See how to incorporate gifting strategies to help create long-term care protection
Lincoln MoneyGuard® solutions for Executive Bonus (Section 162) Plans
One way for employers to retain and attract top talent is through bonus compensation, but this doesn’t always mean cash compensation. For many employers, an executive bonus (Section 162) plan is an effective way to reward key employees by paying premiums toward their long-term care protection.
Encourage business clients to think beyond standard bonus compensation with MoneyGuard®
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
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
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.
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
The latest updates on MoneyGuard® underwriting
The newest MoneyGuard® presubmission underwriting tool is now available! This now combines aspects of the old presubmission tool and underwriting at-a-glance into a client-facing, comprehensive guide with new information.
Enhanced Go Digital Experience
The new Go Digital promotes our electronic capabilities beyond underwriting and new business — including pre-sale and in-force policy management features!
Transform the user experience
Improve efficiency, reduce touch points with Lincoln MoneyGuard solutions’ digital process