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Lincoln MoneyGuard® Reserve (only for sale in New York)
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Have you thought about helping to protect your client’s portfolio against the escalating cost of long-term care? Lincoln MoneyGuard® Reserve, a universal life insurance policy with optional long-term care benefit riders, can help safeguard their assets and provide reimbursements for qualified long-term expenses.
Provided the policy stays in force, clients can receive benefits regardless of what the future brings, and premiums will never increase. Key features include:
- Long-term care benefits. If your client needs care, a policy provides tax-advantaged reimbursements for qualified LTC expenses in the care setting of their choice.1 Annual/monthly maximums apply.
- Income tax-free death benefit. Beneficiaries receive an income tax-free death benefit if your client does not need long-term care.2
- Money-back guarantee. If clients change their mind, they can request their money back once all premiums have been paid.3
Your clients can choose the single premium or the flexible premium for 3, 5, 7 or 10 years. The policy carries no deductible or waiting period, and optional inflation protection, for an additional fee, can insulate clients against rising long-term care costs.