As Americans continue to live longer, we have a greater chance of eventually needing care. At least 60% of people over age 65 will require some long-term care services at some point in their lives.

So what are your options?

The cost for long-term care continues to rise. In 2006, the average national cost of nursing home care was:

 Long-term care costs can be a key challenge to your retirement income security. Until now, there were really only two ways to prepare for long-term care needs:

Long-term care challenges are considerable — many people do nothing to address the need. But if you are not prepared, you’re self insuring.


Now there’s MoneyGuard® Reserve

A universal life insurance policy from The Lincoln National Life Insurance Company, MoneyGuard Reserve provides benefits you can tap into to reimburse qualified long-term care costs, protecting assets you’ve set aside for retirement. It offers a simple solution that makes sense for today and for tomorrow.

 MoneyGuard Reserve provides three key benefits:

  1. Get more for your long-term care dollar—free up other assets

Leverage assets you’ve set aside for long-term care. Why allocate more than you need to for long-term care costs when your assets can work three, four even five times harder for you? This allows you to free up additional assets you’d targeted for long-term care, because they will no longer be needed for that purpose.

  1. Money back guarantee—should you change your mind

If you fund your policy with a single premium payment, you can get back the money you paid into the policy. Note that a portion of the money you get back may have tax implications. This and all guarantees are backed by the claims-paying ability of The Lincoln National Life Insurance Company, a company with a 100-year heritage of strength and integrity.

  1. Be tax smart about long-term care—income tax-free benefits

The money you receive from MoneyGuard Reserve to reimburse long-term care costs is income tax free. And if you never need the benefits for long-term care, they are passed to your family through an income tax-free death benefit. Any money borrowed or withdrawn from the policy will reduce the death benefit and may have tax implications.                                                                                                                                                                                                                                                           U.S. Department of Health and Human Services—National Clearinghouse for LTC                                                                                                                                         Information, www.longtermcare.gov


Let’s take a look at hypothetical example using Marian, a hypothetical client.    Marian's been saving money for long time…for retirement, for rainy day, and now for long-term care.  But she realizes that with today’s medical costs, even $300,000 may be gone in less than two years.

65 years old

Nonsmoking female in good  health

$300,000 reserve for long-term care.

 Marian transitions assets to a MoneyGuard Reserve policy with a single payment of $100,000 and allocates the other $200,000 for other needs. Through MoneyGuard Reserve, she is prepared for three possibilities. And all of the outcomes are fully guaranteed by the claims-paying ability of The Lincoln National Life Insurance Company:

1. Long-term care coverage    2. Money Back guarantee    3. Income tax-free death benefit

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Text Box: $166,406 paid to your beneficiaries
If Marian never needs long-term care, MoneyGuard Reserve will provide her loved ones with a $166,406 income tax-free death benefit. If she uses only a portion of the death benefit for long-term care, MoneyGuard Reserve passes the remaining portion income tax free to her beneficiaries (less any loans or withdrawals she’s taken).






Marian’s policy included the four-year extension of benefits option. If your age, gender, or health are different from Marian’s, your actual benefit amount will also differ (unisex rates apply in Montana).

Marian receives long-term care reimbursements income tax free under IRC Section 104(a)(3).

Her beneficiaries can receive an income tax-free death benefit under IRC Section 101(a)(1).




For a quote or more Information, please contact:



Lic.# 0797619