Experience the Power of Choice with Lincoln’s Joint Feature
Lincoln MoneyGuard’s joint feature, the Benefit Transfer Rider,¹ is included at no additional cost to all MoneyGuard Advantage policies (universal life insurance policies with long-term care riders).
This joint feature, provides long-term care planning advantages including:
- Benefits for more than married couples — Connect with the next generation by helping couples, siblings, parents, loved ones and business owners for estate planning and LTC protection.
- Product optionality through choices — Take advantage of the ability to choose between fully guaranteed² or market-driven products to personalize plans that will meet individual client’s needs.
- Separate death benefits³ – Clients can obtain access to death benefit proceeds at first death claim.
- No decision needed until time of claim — Allow clients to make timely decisions based on their unique situations.
Discover more about the advantages of long-term care planning with MoneyGuard®.
1 The Benefit Transfer Rider is available on all MoneyGuard® Advantage policies. To use the Benefit Transfer Rider, beneficiaries must also be the insured on another MoneyGuard® Advantage policy and the rider must be on both policies. Both policies do not need to be opened at the same time. Benefit Transfer Rider funding purchases guaranteed, paid-up long-term care and death benefits. Minimum BTR purchase amount is $25,000 and cannot be funded prior to attained age 50.
2 MoneyGuard Fixed Advantage® benefits are guaranteed, assuming all premium payments are made and no loans and/or withdrawals have been taken.
3 Beneficiaries may receive an income tax-free death benefit under IRC Section 101(a)(1).