Long-term care funding
New this Month
MoneyGuard® solutions portfolio
Our MoneyGuard® solutions portfolio continues to evolve to meet the changing needs of your clients. We believe in providing solutions that provide flexibility, control and choice, so your clients can make informed decisions when it’s most important – at claim.
With the new enhancements to MoneyGuard Fixed Advantage® (2025), clients get:
- Benefit payment choice – Clients can choose cash indemnity or reimbursement benefit payments at time of first claim
- Split life and long-term care premiums – Potential for tax deductibility on a portion of payments used for long-term care coverage
MoneyGuard Market Advantage® (2024)
MoneyGuard Market Advantage® (2024), a variable life insurance policy with a long-term care rider, provides clients more flexibility and choice, with enhanced benefits and features.
- Market-driven, income tax-free LTC benefits of up to 4x accumulation value
- More investment options available with First Trust funds
- Choice of reimbursement or cash indemnity benefits at first claim
Learn about tax advantages with MoneyGuard Market Advantage (2024)
Long-Term Care State Regulatory Update in an Election Year
Hear from Lincoln Government and State Affairs on the continued efforts of state-level long-term care services and programs along with the impact an election year could pose to activity in 2025.
MoneyGuard Market Advantage® (2024) Conversation Catalyst Tool
Transform the user experience
Improve efficiency, reduce touch points with Lincoln MoneyGuard® solutions’ digital process
Access the full marketing library
- Sales ideas
- Featured campaigns
The tax advantage your clients are missing
Long-term care solutions can help mitigate portfolio risk while also protecting against inflation by offering tax-deferred growth potential and tax-free withdrawals.
Learn more about creating a tax-efficient strategy for all clients
Tactical Sales Concepts
Registered Stock Units for funding Long-Term Care
The tax advantage your clients are missing
Using annual exclusion for gifts to fund MoneyGuard Market Advantage®
Do you have clients whose families use gifting opportunities to reduce the assets in their estates? This can be a great way to pass money to loved ones as a part of overall financial planning. However, leaving a multigenerational legacy is about more than wealth distribution. Creating an effective long-term care plan allows your clients to leave a meaningful legacy through the gift of long-term care protection that demonstrates their commitment to loved ones.
See how to incorporate gifting strategies to help create long-term care protection
Lincoln MoneyGuard® solutions for Executive Bonus (Section 162) Plans
One way for employers to retain and attract top talent is through bonus compensation, but this doesn’t always mean cash compensation. For many employers, an executive bonus (Section 162) plan is an effective way to reward key employees by paying premiums toward their long-term care protection.
Encourage business clients to think beyond standard bonus compensation with MoneyGuard solutions
Optimize inherited IRA distributions for long-term care protection
We often see clients who have recently inherited an IRA and now have a new stream of income because they must adhere to the 10-year distribution rule. These clients can combine that 10-year required IRA distribution with Lincoln MoneyGuard solutions to create a tax-efficient, long-term care plan that helps protect their loved ones and financial legacies.
See how to optimize inherited IRA distributions
Watch the MoneyGuard Solutions Sales Concepts video to learn more
Turn annuity income into long-term care protection
Leveraging annuity income is one way to help fund a long-term care (LTC) solution. By turning on the guaranteed income from annuities earlier, clients can:
- Generate more total income
- Mitigate tax consequences
- Create an income tax-free pool of LTC benefits
See how to turn annuity income into long-term care protection
Social campaign-in-a-box
Quickly create social media campaigns that can help elevate your business and the talk about long-term care. Use the images, text and links provided to schedule social media on your channels.
Explore the outcomes with two different long-term care plans
Weighing your LTC Planning Goals – Insurance or Investment strategy
This material is for informational or educational purposes only and is not intended as legal, tax estate or investment advice. Individuals should consult an independent financial professional as to any legal, tax, accounting, estate or investment-related statements made herein.
For financial professional use only. Not for use with the public.