Making a client’s “what if” money work harder

Make a Client's "What If" Money Work Harder

The decision to purchase long-term care (LTC) insurance is one that’s important to ponder; the downsides of not having care can be devastating whether one wants to recognize it or not. Unfortunately, many times the best decision unveils itself after it’s too late to gain coverage. If your clients over the age of 65 think they won’t need care, inform them that 7 out of 10 will need some form of care in the future?1

Whether the decision to plan ahead for LTC expenses stems from the fear of becoming a burden to loved ones, uncertainty of one’s lifestyle, or just the simple idea of having security when  increased support is needed; odds are that your client will need care assistance. This is the perfect opportunity to use Life Insurance Awareness Month to capture hybrid life insurance sales with LTC and give your clients long-term solutions that can work smarter and provide flexibility for the “What Ifs of Life.”

One way to help clients eliminate the fear of becoming a burden to loved ones is to utilize their “What If ” money in a dual manner to work more efficiently. Lincoln MoneyGuard® Reserve Plus offers single and flexible premiums – to provide clients the flexibility and confidence that will give them access to more money for LTC expense reimbursements, leave a legacy for loved ones2, or take advantage of the return of premium option. Whether or not clients need these benefits, here’s a way to make their “What If” money perform regardless of what their future holds:

LTC benefits: The hybrid life insurance/LTC product can turn “What If” money into a larger reimbursement pool for qualified LTC expenses, ranging from home healthcare, adult daycare, nursing home and personal care services to help protect your client’s lifestyle.

Legacy benefits: Assets2 pass tax and probate free to heirs at conservatively 1.2 to 1.53 times the initial premium.

Return of premium benefits: The return of premium feature in Lincoln MoneyGuard® Reserve Plus provides clients with flexibility to withdraw the “What If” money within six months after the purchase or after the fifth year4.

Clients can make their money work harder to ensure savings provide security for them and their family. According to Lincoln Financial Group, clients prefer to have the LTC planning conversation just once. Seize this opportunity and access sample scripts for your next client engagement to foster a conversation that will preserve your client’s independence. 800.992.2642


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Help protect retirement savings from LTC expenses



1 U.S. Department of Health and Human Services,

2 Reduced by any loans, withdrawals, and benefits paid.

3 Simplified issue varies based on client, product and riders. Call for client illustration.

4 May be withdrawn at other times subject to product vesting schedule, and the payment of the Surrender Value if payment is requested before all planned premiums are paid.



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, or 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. Not available in New York.*State variations apply.

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