1. Lincoln Money Guard II

2. The Sobering Reality
Fact: 70% of people over age 65 will need long-term care.1
Source:
*Genworth 2016 Cost of Care Survey, conducted by CareScout®, April 2016¹ Based on 44 hours per week

3. From Facts to Figures
Service
$ Per Day
$ Per Month
$ Per Year
Private room
(nursing home)
$273
$8,190
$98,280
Semi-private room (nursing home)
$238
$7,140
$85,680
One-bedroom unit (assisted living)
$146
$4,383
$52,596
Home health aide
(44 hours/week)
$133
$3,990
$47,880
Homemaker services
(44 hrs/week)
$128
$3,840
$46,080
At this rate, 5 years at an assisted living facility will cost $262,980.

4. Current Funds Most people:
Have set aside emergency funds, commonly for health-related incidents
Are not willing to take a risk with these funds
Is this how your clients plan to fund a health crisis?
Resource - $100,000
Annual Rate 1
5-Year Gain CD
0.50%
$2,525
Money Market Account
0.90%
$4,582
Savings Account
0.25%
$1,256
Fixed Annuity
3.00%
$15,927
73% of fixed annuity owners plan to use their annuity savings for healthcare emergencies.2
1Returns are hypothetical and for illustrative purposes only.
2Survey of Owners of Non-Qualified Annuity Contracts, The Committee of Annuity Insurers, 2009

5. Return of Premium Options
Option 1: Choose to maximize your long-term care benefits.
Option 2: Choose to maximize your return of premium. OR
A return of 80% of paid premiums is available once all planned premiums are paid.
Your total long-term care benefit amount will be greater than with Option 2.
A return of 100% of paid premiums is available after year 5 once all planned premiums are paid, subject to the vesting schedule below. An additional premium load applies for the graded return of premium option.
Vesting Schedule
Year 1: 80%
Year 2: 84%
Year 3: 88%
Year 4: 92%
Year 5: 96%
Year 6: 100%

6. Product Features & Benefits
Amount of Coverage
Minimum specified amount $50,000
Payment Options
A choice of flexible payment options of 1 through 10 years
Issue Ages and Classes
Ages (age last birthday)
Male/female
Interest Credits and Tax-Deferred Growth
Your policy is guaranteed a 2% credited interest rate
No Deductible or Elimination Period
Monthly Insurance Costs
Each month, the insurance costs for your life and long-term care benefits are deducted from the policy cash value.
Benefit Period Option
Choose between 2-7 years of long-term care benefits based on the duration of the LABR and LEBR options that you choose.
Optional Inflation Protection
Compound 3% or compound 5%
Couples Discount
Available at time of application to married couples or domestic partnerships as recognized in the state of policy issue
Both partners need not apply.

7. Eligibility for LTC Benefits
A chronically ill person is any individual who has been certified by a licensed healthcare practitioner as being unable to perform, without substantial assistance from another individual, at least two activities of daily living (ADLs) for a period of at least 90 days as a result of loss of functional capacity.
You are also considered chronically ill if you were certified by a licensed healthcare practitioner as requiring substantial supervision to protect you from threats to health and safety caused by severe cognitive impairment.
ADLs
bathing
continence
dressing
eating
toileting
transferring

8. Qualified LTC Services
Available Once Eligible
Home healthcare benefits
Nursing home benefits
Assisted-living facility benefits
International benefits provision
Bed reservation benefit
Adult day care services
Respite care
Caregiver training
Care planning
Alternative care services
Hospice services
Non-continual alternative care services

9. Application Process
Client wants protection with Lincoln MoneyGuard solutions.
Advisor checks licensing status and firm-specific submission requirements with MoneyGuard sales team.
Application is signed and submitted with the ticket and other required point-of-sale forms to Lincoln (or firm’s back office).
Forms are “not in good order”.
Lincoln NBA* contacts advisor for missing info/forms.
Forms are “in good order”.
Missing info/
forms are received.
PHI is conducted.
Underwriting makes a decision in five days.
Client is contacted within 48 hours by Lincoln to schedule PHI.
Policy issued
Instructions for final client’s signature and funding options will be given.
Policy is placed in-force
Advisor is notified that client has been approved, declined, or postponed for coverage.
Policy declined or postponed MoneyGuard sales team notifies advisor with next steps.