LTC Solutions


Lincoln Financial Group - Single Premium Long-Term Care Insurance

MoneyGuard Reserve II

Have you thought about protecting your portfolio against the escalating cost of long-term care? Lincoln MoneyGuard® II, a universal life insurance policy with optional long-term care benefit riders, can help safeguard your assets and provide reimbursements for qualified long-term expenses. Given the policy stays in-force, your can receive benefits and your premiums will never increase.

MoneyGuard Reserve is paid with a single premium. It provides multiple benefit options to cover an individual's needs. It includes a money-back guarantee, minimum death benefit and long-term care benefit guarantees.

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How MoneyGuard Reserve II works

If you need long term care
If you need care, a policy provides tax-advantaged reimbursements for qualified LTC expenses in the care setting of your choice. Annual/monthly maximums apply.

If you need it back
The return of premium option is selected at time of issue and, once selected, cannot be changed. There is a choice of two options for the ROP:

  • Option #1: Offers more LTC reimbursement benefits with 80% of premiums returned starting after all planned premiums are paid. Included with all policies.
  • Option #2: Offers more ROP with 100% of premiums paid, available after six years, provided all planned premiums are paid. An additional cost applies. The vesting schedule is: year one - 80%; year two - 84%; year three – 88%; year four – 92%; year five - 96%; year six - 100%.

If you never need long-term care
Beneficiaries receive an income tax-free death benefit if you do not need long-term care.

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Learn More about MoneyGuard Reserve II

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Request a Quote and More Info

Please note, this product is based on state availability.

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LTC Solutions - 3501 Del Prado Blvd. Unit 205 Cape Coral, FL 33904. LTC Solutions for consumers provides long-term care insurance quotes and product information from a long-term care insurance expert for many of the leading LTC insurance carries.
This website should be considered an advertisement, not a contract. The intent of this website is to gather information from the inquiry request and then contact the consumer to go over their specific needs. George Mellendorf, owner of LTC Solutions is licensed in all 50 states.

 

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