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