Industry-Leading Universal Life Insurance Policy Helps Fund Long-Term Care Expenses, Now with No Deductible or Elimination Period and International Benefits
05 April 2011

Lincoln Financial Group (NYSE:LNC) announced the launch of its Lincoln MoneyGuard® Reserve Plus solution, an enhanced version of Lincoln MoneyGuard® Reserve, a linked-benefit product issued by The Lincoln National Life Insurance Company of Fort Wayne, Ind. As one of the most successful universal life insurance products on the market, Lincoln MoneyGuard® Reserve offers optional benefits for a variety of long-term care (LTC) services including nursing home care, home health care, assisted living and adult day care.

Under new product enhancements, Lincoln MoneyGuard® Reserve Plus now features no deductible period or elimination period for all covered benefits and international benefits extended to help cover long-term care expenses incurred outside of the United States.

"Lincoln Financial was one of the first companies to introduce this type of linked-benefit solution, and we are pleased to offer an upgraded product consistent with what people have come to expect from Lincoln MoneyGuard® Reserve," said Michael Burns, Senior Vice President, Life Product Management. "Enhancements available through Lincoln MoneyGuard® Reserve Plus are a direct result of Lincoln’s unique industry knowledge and more than 20 years in the linked-benefits space, and we are confident these changes will improve the overall experience for advisors and their clients."

Unlike traditional LTC insurance, Lincoln MoneyGuard® Reserve Plus is a linked-benefit solution providing long-term care coverage, while eliminating the "use it or lose it" risk. If long-term care is never needed, the policy holder’s beneficiaries will receive the entire death benefit income tax-free. Even if a portion is used for long-term care, the remainder is still paid to the beneficiaries. Lincoln MoneyGuard® Reserve Plus also offers a lifetime money-back guarantee feature.

"At a time when long-term care is increasingly top of mind, linked-benefit offerings can provide a powerful way to maximize assets and help people accomplish more with their existing resources," added Burns. "Lincoln MoneyGuard® Reserve Plus continues to be a proven solution that will help address client concerns and better prepare them for the realities of long-term care."

Lincoln MoneyGuard® Reserve Plus universal life insurance policies are issued by The Lincoln National Life Insurance Company, Fort Wayne, IN, on Policy Form LN870. The Lincoln National Life Insurance Company does not solicit business in the state of New York, nor is it authorized to do so. Guarantees and contractual obligations are backed by the claims-paying ability of The Lincoln National Life Insurance Company.

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

About Lincoln Financial Group

Lincoln Financial Group is the marketing name for Lincoln National Corporation (NYSE:LNC) and its affiliates. With headquarters in the Philadelphia region, the companies of Lincoln Financial Group had assets under management of $157 billion as of December 31, 2010. Through its affiliated companies, Lincoln Financial Group offers: annuities; life, group life and disability insurance; 401(k) and 403(b) plans; savings plans; and comprehensive financial planning and advisory services. For more information, including a copy of our most recent SEC reports containing our balance sheets, please visit


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