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Long-term care planning
Featured update
![Plan for the long-term (care)](/public/microsite/image/Plan-for-the-long-term--care-.png)
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
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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](/public/microsite/image/SPRC-MG-MULTI-FLI001.png)
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
![MoneyGuard Conversion Catalyst Tool](/public/microsite/image/SPRC-MG-Catalyst-Tool-1.png)
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.
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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
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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!
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Transform the user experience
Improve efficiency, reduce touch points with Lincoln MoneyGuard® solutions’ digital process