In the past, there have been very few planning options available to prepare for your clients’ future long term care (LTC) needs. Traditional LTC policies can be costly and if your clients never need to exercise the contract, they lose the hard-earned dollars that were put into their policy. If clients are self-insuring, they must set aside significant liquid assets and there is a risk that they will outlive their financial resources and become a burden to their family at some point down the road.

Say hello to Lincoln MoneyGuard® Reserve: the one solution that provides protection for multiple planning goals -- LTC coverage, asset control and preservation and a fully guaranteed death benefit. It’s not too good to be true – it really is a long-term care alternative for today and tomorrow.

Lincoln MoneyGuard® Reserve is a linked-benefits policy which combines death protection with LTC benefits in a single contract offering these advantages and more:

• A fully guaranteed contract where clients pay only for the benefits they want.

• Clients pay with a lump-sum or use the flexible premium options: 3, 5, 7 or 10 years.

• If they fund their policy with a lump sum premium payment, there is a 100% money-back guarantee if they don't need the coverage for long term care expenses.

• Inflation protection options.

• A simplified underwriting process to get the contracts issued and out the door in as little as two weeks.

NEW   MoneyGuard Story (5 min Video)

Whether or not you've recommended long-term care insurance for your clients, you should read this advisor guide to Lincoln MoneyGuard® Reserve that can demonstrate new or expanded business opportunities for your practice.
Advisor Kit LFG (PDF)

This flier provides five reasons why advisors should consider Lincoln MoneyGuard® Reserve for their clients.
MGR 5 Reasons Why LFG (PDF)

Click on this form to see the 8 simple knock-out questions that will be used to qualify your customers for the simplified underwriting program used to issue Lincoln MoneyGuard®Reserve:
PreQualifying Tool MG (PDF)

Please click on the sample presentations below to see how your clients can maximize assets they may have inside CD’s or annuities by using them to fund a Lincoln MoneyGuard®Reserve contract:
LifeLINC CD funding MGR (PDF)
LifeLINC Annuity funding pres (PDF)

This sample illustration shows how a 65 year-old female nonsmoker can turn her $100,000 single premium into a $400,000+ bucket of money available for long term care costs or a $160,000+ tax-free benefit for her beneficiaries – that’s quite a return!
Sample MGR F65 100kSP-2-4level (PDF)

The following grid shows the maximum amount of LTC leverage with and without inflation protection that their $100,000 single premium can purchase – this is a very useful tool for your client meetings.
MG Client Max LTC Covg Profiles Inflation (PDF)

LTC Certification Requirements by State -- Please click on this form to check whether or not any LTC certification is required in the state(s) you are currently licensed in before you sell Lincoln MoneyGuard® Reserve or any other linked-benefit products that include LTC coverage.
LTC Cert Requirements by State (PDF)

Not all marketing materials are approved in every state – please use this grid to ensure that the marketing materials you plan to use with your clients are approved in the states you are currently licensed in to sell life insurance or LTC.
State approvals for MGR (PDF)