Complete cost of care methodology, important information, and disclosures


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 at www.lfg.com/public/performance-prospectus  or call 800-454-6265. Read carefully before investing or sending money.

 

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 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 Return and principal value may fluctuate so when withdrawn it may be worth more or less than the original cost.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.

 

Not for use in New York or California.

 

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.

 

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).

 

Complete cost of care methodology, important information, and disclosures


The purpose of this communication is the solicitation of life insurance. You may be contacted by an insurance agent.

 

Not for use in New York or California.

 

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.

 

Understanding your chart

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 selected.

  • The solid line on the chart shows the hypothetical LTC benefits at [6%] rate of return, assuming current charges.
  • The dashed lines on the chart reflect the projected cost of the selected care preferences at 100%, 75%, 50% and 25% of the cost.
  • The dotted line on the chart shows the hypothetical LTC benefits at 0% rate of return, assuming current charges.

The chart helps you to understand if the policy premiums and assumed growth 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.

Complete cost of care methodology, important information, and disclosures


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.

 

Not for use in New York or California.