Money Guard New WebEx Presentation 1

8/8/2019 Money Guard New WebEx Presentation 1

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Presenter Name (Edit on Slide Master)Title (Edit on Slide Master)11/1/2010 (Edit in View: Header and

Footer)

2006 Lincoln National CorporationFor agent or broker use only. Not to be used with the general public.

LFDXXXX-XXXX XX-XXXX-XX MM/YY

Lincoln MoneyGuard

Reserve

A closer look at RetirementIncome Security

2009 Lincoln National Corporation

For agent or broker use only. Not for use with the public.

LCN0906-2031719 LIF-MGR-09-0016_MGR-INT-PPT001_Z01 7/09

Kellie Szabo

Internal Wholesaler


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Selling Lincoln MoneyGuard Reserve

faster and easier than ever

Weve

Simplified the story

Simplified the product

Simplified the process

Two separate companies issue Lincoln life insurance products. New York policies areissued by Lincoln Life & Annuity Company of New York, Syracuse, NY. For all otherstates, policies are issued by The Lincoln National Life Insurance Company, Fort Wayne,IN. These companies are separately responsible for satisfying their own financial and

contractual obligations.

Not a deposit

Not FDIC-insuredNot insured by any federalgovernment agency

Not guaranteed by anybank or savings association

May go down in value


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1Clients can receive long-term care reimbursements income tax-free underIRC Section 104(a)(3).

Simple story

Provide more for clients long-term care dollar Lincoln MoneyGuard Reserve provides reimbursements

for qualified long-term care expenses income tax-free.1

This lets clients free up other assets theyve targeted forlong-term care.


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Beneficiaries can receive an income tax-free death benefit underIRC Section 101(a)(1).

Simple story

Death benefit for beneficiaries If your client never needs long-term care,

a death benefit is paid to beneficiariesincome tax-free.2


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The money returned will be adjusted for any loans, withdrawals or benefits paid, andmay have tax implications.

Simple story

Money back guarantee Lincoln MoneyGuard Reserve,

through the Return of Premium Rideron single premium and certain flexible

premium policies, can provide alifetime money back guarantee.3


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4 Guarantees are backed by the claims-paying ability of theissuer and are subject to policy terms and conditions.

Simple story

All benefits guaranteed For a single premium policy, rates and

benefits are guaranteed.4


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Simple story

Streamlined application process The application process only

requires eight prescreening

questions and a 45-minute phoneinterview no exams, labs, ordoctors statements.


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Simple product

Benefits that are guaranteed for life

Benefits never reduce

Simple guaranteed quote


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Simple product





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Simple product





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Simple product





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The facts about long-term care

0

10

20

30

40

50

60

70

80

90

100

Source: U.S. Department of Health and Human Services National Clearinghouse for LTC Information.2007 Average National Costs, www.longtermcare.gov., March 26, 2008.

70%

70% of clients age 65 or older, will need some form of LTC

Nursing home$74,825/year private

$66,065/year semiprivate

Assisted living unit$2,714/month

Home care aide$25/hour

Adult daycare$59/day


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Paying for care

Government programs

Traditional long-term

care insurance

Self-insuring

LincolnMoneyGuardReserve


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Nancy

Age 65

*Unisex rates apply in Montana.

Lincoln MoneyGuardReserve

A solid alternative Based upon a 65-year-old

nonsmoking female in good

health, includes the optional Return

of Premium Rider, 2-year

Convalescent Care Benefits

Rider, and 4-year Extension of

Benefits Rider.

Hypothetical example only.

Actual benefit amounts would

be different, depending upon

your clients age, gender,* and/or

health status.


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Profile: Nancy

Hypothetical example only. Actual benefit amounts would be different,

depending upon clients age, gender,* and/or health status.


Asset repositioning

$200,000Freed-up funds

for her use

$332,812Additional

Long-Term Care(LTC) benefit

$300,000Set aside foremergencies

$100,000Moved

(premium)

$166,406Death benefitor LTC benefit


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A win-win solution

$100,000 single premium payment,

including the Return of Premium Rider

and the 4-year Extension of Benefits

Rider into Lincoln MoneyGuard

Reserve gives Nancy:

Hypothetical example only. Actual benefit amounts would be different,

depending upon clients age, gender,* and/or health status.

Long-term care benefits are generally income tax-free under IRC 104(a)(3).


$100,000

$499,218Total income

tax-freelong term

care benefit

Maximum LTC$6,934 per month

$332,812Extended

long-term carebenefits$166,406

Income tax-free

long-term carebenefit

$83,203

Year 6

$83,203

Year 5

$83,203

Year 4

$83,203

Year 3

$83,203

Year 2

$83,203

Year 1


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Hypothetical case study:protecting retirement income

*Through the Return of Premium Rider on singlepremium and certain flexible premium policies.

Hypothetical example only. Benefit amounts

vary by age, gender (unisex rates apply in Montana),and health status.

Shell receive her originalpremium back, no questionsasked.*

The amount receivedwill be adjusted from anybenefits paid, any loans andwithdrawals, and may havetax implications.

IfNancy changes

her mind

$166,406 income tax-free forbeneficiaries

IfNancy doesnt

use her long-term

care benefits

IfNancy needs

long-term care

Up to $83,203 each yearfor six years

Up to $6,934 per month

The total reimbursement

could be up to $499,218;benefits are paid incometax-free.

LTC reimbursement

Death benefit

Return of premium

Real estate

Investments


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Benefit period options

Example: female, age 65, nonsmoker in good health.$100,00 single premium with Return of Premium Rider (ROPR).

$174,495

Specifiedbenefit

$174,495

Additional

LTC benefit

EOBR

CCBR

$189,710

Specifiedbenefit

$126,473

Additional

LTC benefit

$166,406

Specifiedbenefit

$332,812

Additional

LTC benefit

$185,533

Specifiedbenefit

$247,377

Additional

LTC benefit

2+2Four-year

benefit$7,271/month

3+2Five-year

benefit$5,270/month

2+4Six-year

benefit$6,934/month

3+4Seven-year

benefit$5,154/month

$348,990Total LTC benefit





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Simple process

Prequalifying questions

No exams

1-page ticket

45-minute phone call

6 8 days

No labs

No doctors statements!


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Simple process


No exams

1-page ticket


6 8 days

No labs



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Simple process


No exams

1-page ticket


6 8 days

No labs



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Simple process


No exams

1-page ticket


6 8 days

No labs



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Simple process


No exams

1-page ticket


6 8 days

No labs



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Simple process


No exams

1-page ticket


6 8 days

No labs



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Simple process


No exams

1-page ticket


6 8 days

No labs



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Simple process


No exams

1-page ticket


6 8 days

No labs



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Lincoln MoneyGuard Reserve ticket


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Selling Lincoln MoneyGuard Reserve

faster and easier than ever

Weve

Simplified the story

Simplified the product

Simplified the process


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Lincoln MoneyGuard Reserve

A smarter way for your affluent clients to help

protect their retirement income from the risk of

long-term care expenses.


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Important disclosures. Please read.

Lincoln MoneyGuard Reserve is a universal life insurance policy with a rider that accelerates thespecified amount of death benefit to pay for covered long-term care expenses. An Extension ofBenefits Rider (EOBR) is available to continue long-term care benefit payments after the entirespecified amount of death benefit has been paid. The Return of Premium Rider (ROPR) may beincluded at issue on single premium and certain flexible policies. The amount of premium returnedis adjusted for any benefits paid, any loans or withdrawals taken, and it may have tax implications.The cost of riders will be deducted from the policy value. Guarantees are backed by the claims-paying ability of the issuer and are subject to policy terms and conditions. The insurance

policy and riders have limitations, exclusions, and/or reductions.Lincoln MoneyGuard Reserve is issued by The Lincoln National Life Insurance Company, FortWayne, IN, on Policy Form LN850 (8/05) with a Convalescent Care Benefits Rider (CCBR) onRider Form LR851 (8/05), an Extension of Benefits Rider on Rider Form LR852 (8/05), and aReturn of Premium Rider on Rider Form LR850 (10/07) or LR850F (10/07). The Lincoln NationalLife Insurance Company does not solicit business in the state ofNew York, nor is itauthorized to do so. Contractual obligations are backed by the claims-paying ability ofTheLincoln National Life Insurance Company.

Policies sold in New York are issued by Lincoln Life & Annuity Company of New York, Syracuse,NY, on Policy Form LN850 (8/05) with a Convalescent Care Benefits Rider on Rider Form LR851(8/05), an Extension of Benefits Rider on Rider Form LR852 (8/05), and a Return of PremiumRider on Rider Form LR850 (10/07). Contractual obligations are backed by the claims-payingability of Lincoln Life & Annuity Company ofNew York.

Products and features, including benefits, exclusions, limitations, terms, and definitions, may varyby state.


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Important disclosures. Please read.

This material was prepared to support the promotion and marketing of auniversal life insurance product. Lincoln Financial Group affiliates, theirdistributors, and their respective employees, representatives, and/orinsurance agents do not provide tax, accounting, or legal advice. Any taxstatements contained herein were not intended or written to be used, andcannot be used for the purpose of avoiding U.S. federal, state, or local taxpenalties. Please consult your own independent advisor as to any tax,

accounting, or legal statements made herein.


www.LFD.com

Lincoln Financial Distributors, Inc., a broker/dealer, is the wholesale distributionorganization of Lincoln Financial Group. Lincoln Financial Group is the marketing namefor Lincoln National Corporation and its affiliates.

Affiliates are separately responsible for their own financial and contractual obligations.

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Money Guard New WebEx Presentation 1