Help your clients protect the wealth and retirement assets they’v worked so hard to achieve.

The new Lincoln MoneyGuard® Reserve Plus client brochure has the details.

Our new,animated video can help you tell the Lincoln MoneyGuard solutions story.





Order code: MGR-TRI-BRC005 

Not for use in the following states: CA, CO, IL, FL, IL, NY, NC, PA, TN, TX, VT, WA, WI and WY. Contact your Lincoln representative for state variations.

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Not for use in the following states: CA, CO, IL, FL, IL, NY, NC, PA, TN, TX, VT, WA, WI and WY.

5 reasons to recommend Lincoln MoneyGuard Reserve Plus


1. Value 
Income tax-free reimbursements for qualified long-term care (LTC)
expenses. The available amount is worth more than the premiums paid.1


2. Leaving a legacy 
If your client never needs long-term care or doesn’t use all of their
long-term care benefit, a death benefit is paid to beneficiaries —
income tax-free.2


3. Return of premium options 
Full return of premium available after year 5, provided all planned
premiums are paid.3


4. Streamlined process 
Just a few simple prescreening questions and a 45-minute phone
interview is all it takes to start the applications process — no
exams, labs or doctor’s statements.4


5. Outstanding claims management experience
Previous MoneyGuard claims experience shows that the majority of
 claims are approved and paid within five days or less.5


And, once eligible, there is no deductible or elimination period.


For more information, call your Lincoln representative today.
877-533-0114


1Long-term care reimbursements are generally income tax-free under IRS Section 104(a)(3).


2Beneficiaries can receive an income tax-free death benefit under IRS Section 101(a)(1). Estate and local taxes may apply. The death benefit would be reduced by any loans, withdrawals and benefits
paid.


3Through the Enhanced Surrender Value Endorsement (ESVE) available at issue on all single premium policies and flexible premium policies for ages 35–69. The amount returned will be adjusted for any loans, withdrawals or benefits paid, and will have tax implications. Endorsement contains complete terms and conditions. After 6 months, if surrendered before the planned premiums are paid, the surrender value will be paid.

4Prescreening questions not available in California.

5After all requirements are met. Based on data provided by Lincoln operational area affiliates; includes all product versions.


Lincoln

MoneyGuard® Reserve Plus is a universal life insurance policy with a Convalescent Care Benefits Rider* (CCBR) that accelerates the specified amount of death benefit to pay for covered long-term care expenses. An Extension of Benefits Rider* (EOBR) is available to continue long-term care benefit payments after the entire specified amount of death benefit has been paid. The return of premium is featured through the Enhanced Surrender Value Endorsement (ESVE), included in the policy cost for all single premium policies and for flexible premium policies for issue ages 35–69. Any additional surrender benefit provided will be adjusted by any loans/loan interest/loan repayments, withdrawals taken, and claim payments made. The cost of riders will be deducted monthly from the policy cash value. The insurance policy and riders have limitations, exclusions, and/or reductions. Additionally, long-term care benefit riders may not cover all costs associated with long-term care costs incurred by the insured during the coverage period. All contract provisions, including limitations and exclusions, should be carefully reviewed by the owner.

Issued by The Lincoln National Life Insurance Company, Fort Wayne, IN, on Policy Form LN870/ICC11LN870 with the Convalescent Care Benefits Rider* (CCBR) on Rider Form LR870/ICC11LR870, an optional Enhanced Surrender Value Endorsement (ESVE) on Endorsement Form
B10465F/ICC11B10465F, an optional Extension of Benefits Rider* (EOBR) on Rider Form LR871/ICC11LR871, and an optional Nonforfeiture Benefit Rider (NFO) on Rider Form LR872/ICC11LR872.


All guarantees and benefits of the insurance policy are subject to the claims-paying ability
of the issuing insurance company. They are not backed by
the broker-dealer and/or insurance agency selling the policy, or any
affiliates of those entities other than the issuing company affiliates,
and none makes any representations or guarantees regarding the
claims-paying ability of the issuer.

Products and features, including benefits, terms, and
definitions, may vary by state. Product not available in New York.

*State variations apply.


Not a deposit


Not FDIC-insured


Not guaranteed by any bank or savings association


May go down in value


Not insured by any federal government agency