MONEYGUARD® RESERVE

- Our single life product

Good Today, Even Better Tomorrow

Preparing for the potential need for long-term care makes sense, especially if you can help protect your existing assets at the same time. Your loved ones may also appreciate your preparations.

Lincoln MoneyGuard® Reserve provides guaranteed benefits you can tap into to reimburse qualified long-term care costs, helping to protect assets you've set aside for retirement. It offers a simple solution that makes sense for today and for tomorrow.

Paid with a single premium, Lincoln MoneyGuard® Reserve provides multiple benefit options to cover an individual's needs. It includes a money-back guarantee, minimum death benefit and long-term care benefit guarantees.

Lincoln MoneyGuard® Reserve

• Helps you pay for long-term care if you need it
• Provides an income tax-free death benefit if you don't
• Offered with a money back guarantee*
• A way to help protect your retirement income from the risk of long-term care expenses

*The money back guarantee is provided by the Return of Premium Rider (ROPR), which may be included at issue on single premium and certain flexible premium policies. The amount of premium returned is adjusted for any benefits paid, any loans or withdrawals taken, and it may have tax implications.

Lincoln MoneyGuard® Reserve is a universal life insurance policy with a rider that accelerates the specified amount of death benefit to pay for covered long-term care expenses. The cost of riders will be deducted from the policy value. Guarantees are backed by the claim-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, Fort Wayne, IN, on Policy Form LN850(8/05) with Convalescent Care Benefits Rider on Rider (CCBR) Form LR851(8/05), and Return of Premium Rider on Rider Form LR850 (10/07) or LR850F(10/07). The Lincoln National Life Insurance Company does not solicit business in the state of New York, nor is it authorized to do so. Contractual obligations are backed by the claims-paying ability of The Lincoln 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 Convalescent Care Benefits Rider on Rider (CCBR) Form LR851(8/05), and Return of Premium Rider on Rider Form LR850 (10/07). Contractual obligations are backed by the claims-paying ability of Lincoln Life & Annuity of New York.

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

Click here to view the MoneyGuard product brochure.

Click here to view the MoneyGuard vs Genworth's TLC comparison brochure.

Click here to view the MoneyGuard vs LifeCare comparison brochure.

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