A.M.Best

A+

S&P

AA-

Moody’s

A1

Fitch

A+

COMDEX

90

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Overview: Lincoln MoneyGuard is a universal life insurance policy with riders that reimburse for qualified long term care expenses. The cost of coverage for your client will never increase and if your client uses their entire long-term care benefit amount, the policy will pay the beneficiary a residual death benefit (provided premiums are paid as planned, and no loans or withdrawals are taken). Once the client is eligible, they have no deductible periods for qualified long term care services. This allows your client to avoid costly out of pocket expenses associated with deductible periods. There are options for inflation protection, informal caregiver compensation, and an extensive list of services to help navigate the challenges of locating the correct type of care needed.