Insurance products issued by: The Lincoln National Life Insurance Company
Lincoln variable universal life insurance is sold by prospectus. Carefully consider the investment objectives, risks, and charges and expenses of the policy and its underlying investment options. This and other important information can be found in the prospectus for the variable universal life policy and the prospectuses for the underlying investment options.
Download a copy of the prospectus
or call 800-454-6265. Read carefully before investing or sending money.
The investment results shown are illustrative only and should not be considered a representation of past or future investment results. Actual investment results may be greater or lesser than those shown and will depend upon a number of factors, including the investment choices and allocations made by the owner of the policy and the different rates of return earned by those investments. Return and principal value will fluctuate so when withdrawn it may be worth more or less than the original cost. Past performance is no guarantee of future results.
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.
Long-term care benefits are set at time of claim and are based on the specified amount of death benefit and accumulation value in the policy. Benefit growth is not guaranteed, and unless on claim, values will increase and decrease daily due to selected investment option performance. Any LTC benefits paid will reduce the policy’s specified amount and accumulation value.
With any VUL product, certain fees and costs are involved, including monthly cost of insurance, administrative expense and premium load charges, as well as daily charges on assets invested in the variable subaccounts for mortality and expense risk, and asset management fees. Please consult the prospectus or ask your financial professional for more detailed information.
The purpose of this communication is the solicitation of life insurance. You may be contacted by an insurance agent.
This tool is not for use in New York.
The insurance policy and riders have limitations, exclusions and reductions; and are subject to medical underwriting. 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. For costs and complete coverage details, contact your agent or producer.
MoneyGuard Market Advantage® is a variable universal life insurance policy issued by The Lincoln National Life Insurance Company, Fort Wayne, IN, on Policy Form ICC20-MGV892/20-MGV892 with a Long-Term Care Benefits Rider (LTCBR) on Rider Form ICC20LTCBR-892/LTCBR-892, and a Value Protection Rider on Form ICC20VPR-892/VPR-892. Not available in New York.
With Lincoln MoneyGuard® Market Advantage, long-term care benefits are set at time of claim and are based on the specified amount of death benefit and accumulation value in the policy. Benefit growth is not guaranteed, and unless on claim, values will increase and decrease daily due to selected investment option performance. Any LTC benefits paid will reduce the policy's specified amount and accumulation value.
MoneyGuard Fixed Advantage® is a universal life insurance policy with a Long-Term Care Benefits Rider issued by The Lincoln National Life Insurance Company, Fort Wayne, IN, on Policy Form ICC19-MG890/19-MG890 and state variations with the following riders: Value Protection Endorsement (VPE) on form ICC19END-10534/END-10534; Terminal Illness Acceleration of Death Benefit Rider (TIR) on form ICC19TIR-891 /TIR-891; Long-Term Care Benefits Rider (LTCBR) on form ICC19LTCBR-890/LTCBR-890; Benefit Transfer Rider on form ICC21 BTR-894/BTR-894. Available in all states except New York and California.
Lincoln MoneyGuard® II is a universal life insurance policy issues on policy form LN880 with the following riders: Value Protection Rider (VPR) on form LR880 Rev; Long-Term Care Acceleration of Benefits Rider (LABR) on form LR881; optional Long-Term Care Extension of Benefits Rider (LEBR) on form LR882. Only available in CA.
The purpose of this hypothetical illustration is to show how the MoneyGuard Market Advantage® policy works and how the performance of the underlying investment accounts could affect the policy cash value and death benefit.
The purpose of this communication is the solicitation of life insurance. You may be contacted by an insurance agent.
1The LTC reimbursements are generally income tax-free under IRC Section 104(a)(3). Beneficiaries may receive an income tax-free death benefit under IRC Section 101(a).
This is a hypothetical example. Actual performance of the policy and values will depend on the performance of the underlying funding options chosen. For guaranteed charges, please see the ledgers. Long-term care benefits are set at time of claim and are based on the specified amount of death benefit and accumulation value in the policy. Benefit growth is not guaranteed, and unless on claim, values will increase and decrease daily due to selected investment option performance. Any LTC benefits paid will reduce the policy’s specified amount and accumulation value. Click on any line on the chart to see corresponding benefits including death benefit.
This is a hypothetical example. Actual performance of the policy and values will depend on the performance of the underlying funding options chosen. Click on any line on the chart to see corresponding benefits including death benefit.
The chart depicts a hypothetical example of how MoneyGuard Market Advantage® could help fund the costs associated with care preferences based on the assumed rate of return/inflation selected. The chart helps you to understand if the policy premiums and inflation selected are projected to cover care preferences, or if any adjustments need to be made to a financial and long-term care plan to meet goals. Please note that the actual performance of MoneyGuard Market Advantage® will be determined by the underlying investment options selected. These values are not guaranteed. They are hypothetical and are based on the values selected. This is not a representation of what you would receive; request a personalized illustration from your financial professional.
The chart depicts a hypothetical example of how MoneyGuard Fixed Advantage® could help fund the costs associated with care preferences based on the assumed rate of return/inflation selected. The chart helps you to understand if the policy premiums and inflation selected are projected to cover care preferences, or if any adjustments need to be made to a financial and long-term care plan to meet goals. The following assumptions were made: All premiums are paid on-time, no post-issue loans, withdrawals, increases or decreases are made. 70% return of premium selected. 100% return of premium is available, subject to an 11-year vesting period. The 70% option provides higher reimbursement amounts. The return of premium option must be chosen at purchase and cannot be changed once selected.
The chart depicts a hypothetical example of how Lincoln MoneyGuard® II could help fund the costs associated with care preferences based on the assumed rate of return/inflation selected. The chart helps you to understand if the policy premiums and inflation selected are projected to cover care preferences, or if any adjustments need to be made to a financial and long-term care plan to meet goals. The following assumptions were made: All premiums are paid on-time, no post-issue loans, withdrawals, increases or decreases are made. 70% return of premium selected. 100% return of premium is available, subject to an 11-year vesting period. The 70% option provides higher reimbursement amounts. The return of premium option must be chosen at purchase and cannot be changed once selected.
The purpose of this communication is the solicitation of life insurance. You may be contacted by an insurance agent.
This is a life insurance illustration and not a contract. Actual results may vary from the illustrated values shown in this illustration. The terms of the policy constitute the actual agreement of coverage.
This tool is not for use in New York.
ICC23LCN-5444631-020123
LCN-5444631-020123