Lincoln Financial Group

Ratings:  A M Best A+  |  S&P AA  |  Moody’s Aa3  |  Fitch AA

MoneyGuard® Reserve

Here is how this unique policy works:

You pay a Single Premium: Example: $100,000
Guarantee: You will never be billed for another premium!

Your MoneyGuard® Reserve policy provides:

Long Term Care

Benefit is available to pay for care in a nursing home, in an assisted living facility, adult day care, home health care, personal care services, hospice services, alternative care services, anywhere that care is needed. Home Health Care is payable from day one!

Depending upon age, long-term care benefits available can easily amount to $250,000, $500,000 or more.

Life Insurance

Depending upon age, the Universal Life Death Benefit will always be well in excess of your original deposit of $100,000.

If you are fortunate enough not to need long-term care, the death benefit is payable to your beneficiary tax-free as life insurance proceeds, and without probate delays.

Should you require long-term care benefits, upon your death, any unused benefits remaining become payable to your beneficiary as tax-free life insurance proceeds.

Money Back Guarantee

If you change your mind and decide that your Money Guard Reserve policy is not right for you, the Return of Premium rider guarantees that you will get back 100% of the premium you paid, less any withdrawals, loans, or benefits previously paid to you.

Broker Selling Tips

Is your client reluctant to buy Long Term Care? If so, the answer could be Money Guard Reserve, because:

With regular long-term care insurance: If you don’t use it, you lose it.
With MoneyGuard® Reserve: If You don’t use it, your beneficiary will receive the proceeds as tax-free life insurance proceeds.

Additional Selling Tools

If you would like a proposal or have questions, please email your request to or call us at (631) 265-7476.

Click here for an application

Click here to become licensed to sell MoneyGuard®


Money Guard Reserve is issued by Lincoln National Corporation affiliates including Lincoln Life & Annuity Company of New York, Syracuse, NY of policy form LN850 with a Convalescent Care Benefits Rider (CCBR), on rider form LR851, an Extension of Benefits Rider (EOBR) on Rider Form LR852, a Terminal Illness Accelerated Death Benefit Rider on Rider form LR853, and a Return of Premium Rider (ROPR), on Rider Form LR850. Contractual obligation are backed by the claims-paying ability of Lincoln Life & Annuity Company of New York.