Lincoln is Increasing Comp on MoneyGuard ® II

Big News from Lincoln ! Effective August 1 , Lincoln Financial has announced a compensation increase to 8% on paid business.

Planning ahead with Lincoln MoneyGuard® II gives your clients flexible options beginning at age 40. This universal life insurance with an optional long-term care benefit rider gives a choice of premium payment options of 1 through 25 years. Unlike traditional long-term care insurance, policy costs are set at issue and will never increase provided that premiums are paid as planned and no loans or withdrawals are taken. MoneyGuard® II provides benefits, even if your clients never need care, provided that all total planned premiums are paid.

Benefits if they need care Clients get more for their money because a MoneyGuard policy provides income tax-free reimbursements for qualified long-term care expenses. Once eligible, there's no deductible or waiting period, which could make a big difference in total out-of-pocket costs.

And a benefit if they don't Lincoln MoneyGuard® II provides an income tax-free death benefit so that your clients children, or other loved ones, designated as beneficiaries, will receive a legacy. The death benefit would be reduced by any loans, withdrawals and benefits paid.

Return of premium options Maximize long-term care benefits and a return of 80% of paid premiums is available once all total planned premiums are paid. Or, maximize return of premium and 100% ROP is available after year five, subject to the vesting schedule below, provided all premiums are paid as planned. Some additional cost applies.

Vesting Schedule Year 1: 80%, Year 2: 84%, Year 3: 88%, Year 4: 92%, Year 5: 96%, Year 6: 100% Client Brochure Product Guide

Our Internal Wholesalers are here to help you find the best products and solutions for your clients.

Give us a call: (800) 833-0558

Connect with us: https://www.theasagroup.com

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