4. Managing Assets in Retirement Life insurance Other Cash Reserves Investments While the actual proportions in this chart will differ based on specific investor’s needs, it does show the different types of assets in a typical retirement-oriented portfolio. Emergency Funds
5. Managing Assets in Retirement Life insurance Other EXTENDED HEALTH CARE COSTS Investments While the actual proportions in this chart will differ based on specific investor’s needs, it does show the different types of assets in a typical retirement-oriented portfolio.
7. If you want or need it back… Life insurance Other Cash reserves Investments MoneyGuard ® Reserve Long-term care reimbursements are income tax-free under IRC Section 104(a)(3).
8. LIQUID If you want or need it back… Life insurance Other Cash reserves Investments While the actual proportions in this chart will differ based on specific investor’s needs, it does show the different types of assets in a typical retirement-oriented portfolio. Take it back, it’s in your reserve
10. LEVERAGE If you need Long-Term Care Life insurance Other Cash reserves Investments MoneyGuard ® Reserve LEVERAGE with MoneyGuard ® Reserve Long-term care reimbursements are income tax-free under IRC Section 104(a)(3).
11. Sample Leverage – Female Non-Smoker $100,000 $100,000 $100,000 5/1 4/1 $499,000 $412,000 $6,934 6 year 6 year 7 year The six-year policy includes the two-year CCBR and the four-year EOBR. The seven-year policy includes the three-year CCBR and the four-year EOBR. Hypothetical example only. Actual benefit amounts would differ, depending on client’s age, gender, or health status. Unisex rates apply in Montana. 3/1 $316,000 $5,723 $3,766 Age Deposit Leverage Amount Monthly Policy 65 70 75
13. If you never need Long-Term Care… Life insurance Other Cash reserves Investments MoneyGuard ® Reserve Long-term care reimbursements are income tax-free under IRC Section 104(a)(3).
14. LEGACY If you never need Long-Term Care Unused portion goes to your client’s beneficiary Income Tax-Free Life insurance Other Cash reserves Investments MoneyGuard ® Reserve Death Benefit Beneficiaries receive an income tax-free death benefit under IRC Section 101(a)(1).
Hello, my name is _____ and I am a wholesaler for Lincoln Financial Distributors. Today, I’m going to show you how a hand can help protect your clients’ retirement income security from the risk of long-term care expenses. Lincoln MoneyGuard Reserve linked benefit product can lend a helping a hand. I want to first of all also thank you for helping us at Lincoln to become the #1 linked-benefits company in the nation, and share with you exactly why that is. First, we keep it simple. Advisors are constantly bombarded with the complexity of most insurance products today and we are breath of fresh air. Second, as I will teach you today, we can tell our simple story in about 3 minutes. Third, it is easy to memorize and easy to repeat. And finally, it is good for the client . It really is a simple story you can know like “the back of your hand”!
What are the next steps? First, talk to your Lincoln representative today to find out more about MoneyGuard ® Reserve. I’m sure you can already think of clients who could benefit from hearing the story…and it’s a great one.
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