Long Term Care

 

We're living longer. Health-related expenses are only going up. And 70% of us will need long term care once we're over the age of 65.

 

It's never been more important to prepare. Fortunately, traditional long term care insurance (LTCI) is no longer the only option. We have access to a revolutionary new product offered by Lincoln Financial Group which combines the benefits of life insurance and LTCI. Your costs at issue and will never increase.

 

Above all, Lincoln MoneyGuard® II is a product that gives you flexibility, and the opportunity to "triple dip":

 

  • If you need long-term care, you get more for your money because your policy provides income tax-free reimbursements for qualified expenses.

  • If you don't need long-term care, your policy provides an income tax-free death benefit, so your loved ones will receive a legacy.

  • If you change your mind, you can maximize either your LTC benefits or your return of premium — a return of 80% to 100% of your paid premiums is available depending on the option you choose, once all planned premiums are paid.

 

Get it while you're young. 

The ideal time to consider LTCI is when you're healthy. Get the best rates  when you quality for the best underwriting class.