Long-term care planning
Featured update
LTC Pre-CheckSM
Introducing
LTC Pre-Check
for MoneyGuard® solutions our new, online presubmission tool. Use this tool to determine if clients may qualify for MoneyGuard® solutions.
The current regulatory landscape
Get the full picture on long-term care updates straight from Carrie Hartgen, Vice President of State Government Relations at Lincoln Financial.
Hear how the long-term care legislative landscape is active and evolving.
Exclusive replay!
Understanding Healthcare in Retirement
Speaker: Peter Stahl, CFP®, President, Bedrock Business Results
Peter breaks down what you need to know to help clients avoid costly missteps when navigating healthcare in retirement. You'll walk away with:
- Clear strategies for helping clients understand Medicare and long-term care
- Tools to help clients create a plan for healthcare in retirement
- Insights that deepen your value in client conversations
Event replay
Planning for healthcare in retirement client flyer
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 the tax advantage your clients may be missing
Taxes Concept video
Tactical sales concepts
Registered stock units for funding long-term care
Long-term care client profiles
Opportunities to create a more tax-efficient strategy for long-term care costs
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 prepare for long-term care expenses
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 planning
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 planning
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 expense funding
MoneyGuard® Fixed Advantage 2025 offers potential for tax deductibility
There are certain tax advantages which may help offset the cost of premiums for eligible individuals
Real-Time Approval
Lincoln is excited to provide you and your clients with a Real-Time Approval (RTA) for eligible Lincoln MoneyGuard® cases. For a portion of your business, clients who are in excellent health and are able to be approved by our automated underwriting process may be informed of their approval immediately after their interview.
For more information about Real-Time Approval, please see our RTA flyer and our RTA Agent Training Brainshark
The latest updates on MoneyGuard® underwriting
The newest MoneyGuard® presubmission underwriting tool is now available! This now combines aspects of the old presubmission tool and underwriting at-a-glance into a client-facing, comprehensive guide with new information.
Go Digital — and make life easier.
Go Digital promotes our electronic capabilities beyond underwriting and new business — including pre-sale and in-force policy management features!
Transform the user experience
Improve efficiency, reduce touch points with Lincoln MoneyGuard solutions’ digital process