1. HELP PROTECT YOUR FINANCIAL FUTURE
The purpose of this communication is the solicitation of insurance. Contact will be made by an insurance agent or insurance company.
HELP PROTECT YOUR FINANCIAL FUTURE
Prepare for long-term care expenses
Name| Title| Date
Hello, I’m [Name]. I’m here to discuss how to help protect your savings from long-term care expenses.

2. Lincoln MoneyGuard® II is a universal life insurance policy with an optional long-term care benefit rider available for an additional cost.
It is issued by The Lincoln National Life Insurance Company, Fort Wayne, Indiana.
Lincoln MoneyGuard II provides guaranteed benefits to reimburse your qualified long-term care costs.
During this presentation, I’ll introduce you to a solution that could help you protect your savings and your financial independence.
Lincoln MoneyGuard® II is a universal life insurance policy with an optional long- term care benefit rider available at an additional cost. It’s issued by The Lincoln National Life Insurance Company, Fort Wayne, IN. Lincoln MoneyGuard II provides guaranteed benefits to reimburse qualified long-term care costs.

3. What is your long-term care plan?
What is long-term care?
What are some options?
What is your long-term care plan?
We’re going to discuss these 3 important topics:
What is long-term care
What are some planning options, and
What is your long-term care plan

4. Long-term care funding is essential to a sound financial future
Perception: Rely on family as they age.
Reality: Americans who needed long-term care are less likely to believe they could rely on family.1
Americans age
40+
Americans are becoming more aware of the need to plan for long-term care costs. You might have seen this topic in the news more and more lately, or you may know of someone in a long-term care situation.
According to a recent article on long-term care published by the Associated Press, Americans, age 40 or over, count on their families to be there for them as they age, but those who are currently receiving long-term care or who have received it in the past are less likely to believe they could rely on their family in a time of need.1
If you would need care, the last thing you and your family want to deal with is making tough decisions about: Who will take care of you? How much will it cost? What assets will you need to sell to cover long-term care costs if you did not have a plan.
1The Associated Press — NORC Center for Public Affairs Research, “Long-term Care: Perceptions, Experiences, and Attitudes among Americans 40 or Older,” April 2013, available at
1The Associated Press — NORC Center for Public Affairs Research, “Long-term Care: Perceptions, Experiences, and Attitudes among Americans 40 or Older,” April 2013, available at

5. Help with the activities of daily living
What is long-term care?
Help with the activities of daily living
Home care
Assisted living
Nursing home care
But what is long-term care? Long-term care is the type of care you or someone in your family may need if you require assistance taking care of yourself, either due to a physical or cognitive impairment. Typically, it involves chronic health conditions that are expected to last longer than 3 months.
Many people equate long-term care with nursing homes. But the vast majority of care is provided in the home or in adult day care and assisted living facilities. More than 80% of individuals who need long-term care receive services at home.1
Developing an effective plan for your long-term care today gives you choices about where you may receive care tomorrow.
1Long-Term Care Commission, “A Comprehensive Approach to Long-Term Services and Supports,” September 23, 2013.

6. What are the risks?
You’re planning on living a long life. You or a loved one could need long-term care. This could affect your lifestyle, your retirement or your life’s goals.
So what are the risks?
If you’re planning on living a long life — the typical financial plan usually takes you well into your 90s.
The bad news is: You are unlikely to be as healthy as you are now for the rest of that long life.
If you don’t have a plan for long-term care, you could potentially put your savings, your financial goals and your lifestyle at risk.
Or what if one of your loved ones needs care? Whether you provide care or help pay the costs of long-term care services, it could change your life.

7. What are the costs?
Consider 2013 national average costs
The cost of a Medicare-certified nursing home private room
$95,630
per year
Home Health Aides provided by a certified Home Healthcare Agency
$19.36
per hour
The average monthly rate for a single occupancy suite unit in a state-certified Assisted Living Facility
$3,425
per month
So given the high likelihood of experiencing a long-term care situation in your life time, are you prepared for its financial impact?
While the national average cost of a private room in a skilled nursing facility is currently more than $95,000 a year,1 averages can be misleading, so you should find out the cost of the type of facility you would choose to receive care in should you need it. Also consider the costs of care in your state.
What if you may not need care until years in the future? Let’s suppose a modest cost trend of 3 percent over an assumed 15-year period until the typical claim may occur. Under this scenario based on averages, a 65-year-old can expect long-term care expenses to top $750,000 and exceed $1.3 million if we assume either a longer stay or a greater rate of inflation on costs.2
Even if you could afford that, wouldn’t it make more sense to leverage the money you have in a more tax-efficient way?
1Univita and Lincoln Financial Group, “2013 Cost of Care Survey,” December 2012; For a printed copy of the survey, call 877-ASK-LINCOLN.
2Life Insurance Selling, “Long-term Care — What's at risk?”, November 1, 2012,
Source: Univita and Lincoln Financial Group, “2013 Cost of Care Survey,” December 2012; For a printed copy of the survey, call 877-ASK-LINCOLN.

8. What are the consequences to your family?
Consider:
More than 80% of individuals who need long-term care services receive care at home.1
Most Americans who need long-term care receive it from unpaid caregivers.1
Research found that individuals whose parents needed care bought protection, so their children don’t have the same experience.2
Without a plan, a long-term care event can take its toll on your loved ones. More than 80% of individuals who need care receive services at home.1
Most folks who need long-term care services receive care provided by unpaid caregivers — family members and friends. 1 On average, they spend 20 hours a week giving care, and the majority have intensive caregiving responsibilities including personal care, bathing and feeding. 2
Caregivers often have to work full- or part-time while also providing care for a loved one. Working caregivers face challenges that can impact their income. Many are themselves aging and providing care at a time when they should be saving for their own financial goals, their children’s college tuitions, and their own retirement.
It’s not surprising to know that people whose parents needed long-term care are much more likely to take control and protect themselves so that their kids won’t have to go through the same experience. 3
1Long-Term Care Commission, “A Comprehensive Approach to Long-Term Services and Supports,” September 23, 2013.
2Administration on Aging, U.S. Department of Health and Human Services, December 2013.
3Robert Powell, “Numbers That May Make You Sick,” Your Money, The Wall Street Journal, October 31, 2011;
1Long-Term Care Commission, “A Comprehensive Approach to Long-Term Services and Supports,” September 23, 2013.
2Robert Powell, “Numbers That May Make You Sick,” Your Money, The Wall Street Journal, October 31, 2011;

9. What are the consequences to your family?
Who do you know that’s experienced a long-term care event?
Who provided their care?
How did they pay for it?
How long did they need care?
How did it affect their family?
How many of you have known someone who experienced a long-term care event?
Who provided their care?
How did they pay for it?
How long did they need care?
How did it affect their family?
The bottom line is: Long-term care isn’t about you. It’s about those you love and those who care about you.

10. What’s your plan for care?
Medicaid
Medicare
Health insurance
Family
Sell assets
So, what are your options if you do need long-term care?
Medicaid — This federal and state healthcare program only benefits those who spend down their assets and have low income.
Medicare — Generally, Medicare doesn’t pay for long-term care. Medicare pays only for acute care and usually for less than 100 days.
Health insurance — Also only covers skilled acute care — not long-term care.
Family — Who would take care of you? Are they situated to do so?
Sell assets — Which assets would you sell to pay long-term care expenses —assets set aside for retirement or college or your children’s inheritance?

11. Linked-benefit long-term care solution Long-term care benefits
What are some options?
Linked-benefit long-term care solution
Long-term care benefits
Death benefit
Options for a return of premium
Premiums don’t increase
Potentially less benefits per premium dollar than traditional LTC insurance
You could also look at insurance solutions — either traditional long-term care insurance or linked-benefit long-term care solutions.
With traditional long-term care insurance, you get the most long-term care benefit for the premiums you pay, but if you pass away without ever needing care, you get nothing — it’s a use it or lose it type of policy. And if you change your mind down the line and want to get out of the contract, you may only have limited return-of-premium options.
Keep in mind, the insurance company could increase your premiums at any point in the future.
With hybrid long-term care policies, you could potentially receive less benefits per premium dollar than with traditional long-term care insurance.
But if you pass away without needing care, your beneficiaries receive an income tax-free death benefit. You also have options for the return of your premium if you need to get your money out at some point. Finally, your premiums are set at issue and do not increase.

12. Lincoln MoneyGuard® II
What are some options
Lincoln MoneyGuard® II
Provides income tax-advantaged reimbursements for qualified long-term care expenses — worth much more than your premium payments
Gives you benefits even if you never need long-term care
Features premiums that never increase
Has no elimination period
Lincoln MoneyGuard® II is a hybrid solution that provides guaranteed income tax-advantaged benefits to reimburse your qualified long-term care expenses. You get more for your long-term care dollars because these benefits are worth much more than your premium payments.
And your policy provides benefits — even if you never need long-term care as long as you play your planned premiums.
You don’t have to be concerned about premium increases, because your policy’s premiums are set at issue and are guaranteed never to increase.
And if you qualify for benefits, your policy has no elimination period. This could make a real difference in your total out-of-pocket costs for qualified long-term care expenses. It’s a good thing to know as you prepare for your future.

13. What are some options? Benefits if you need long-term care
A benefit if you don’t
Return of premium options
An income tax-free death benefit2
The death benefit is reduced by loans, withdrawals, and benefits paid.
Option 1
Choose to maximize your long-term care benefits
A return of 80% of your paid premiums is available once all planned premiums are paid.3
Option 2
Choose to maximize your return of premium
100% return of premium is available after year 5 provided all planned premiums are paid; additional cost applies.3
Income tax-free reimbursements for qualified long-term care expenses1
Lincoln MoneyGuard® II gives you: Tax-advantaged long-term care benefits if you need care. Your family will know that you have a plan, and you could receive the care you want — even in the comfort of your home. OR
2. An income tax-free death benefit for your children or beneficiaries if you don’t need care.
3. Return of premium options. You could choose to maximize your benefits, and get more from your policy with an increased death benefit and increased monthly benefits if you need long-term care. Or you could choose to maximize your return of premium. A full return of premium is available to you after year 5 provided all your planned premiums are paid. The return of premium is through the Value Protection Rider, available at issue. The Rider contains complete terms and conditions. If your policy is surrendered before the planned premiums are paid, the surrender value will be paid to you. If you surrender your policy for the return of premium, there may be tax implications, and you should consult a qualified tax advisor.
Leverage your long-term care dollars.
Get more for your money if you need care.
Leave a legacy to your loved ones if you don’t need care.
Choose from options for more benefits or more liquidity.
1LTC reimbursements are generally income tax-free under IRC Section 104(a)(3).
2Beneficiaries may receive an income tax-free death benefit under IRC Section 101(a)(1).
3Through the Value Protection Rider available at issue. The money returned will be adjusted for any loans, withdrawals and benefits paid, and may have tax implications. Rider contains complete terms and conditions. If surrendered before the planned premiums are paid, the surrender value will be paid.

14. What are some options?
Return of premium options Your return of premium option must be selected at issue.
Option 1
Choose to maximize your long-term care benefits
A return of 80% of your paid premiums is available once all planned premiums are paid.*
Option 2
Choose to maximize your return of premium
100% return of premium is available after year 5 provided all planned premiums are paid; additional cost applies.*
With Option 1, your total long-term care benefit amount will be greater than with Option 2.
Return of premium vesting schedule
Year 1
80%
Year 2
84%
Year 3
88%
Year 4
92%
Year 5
96%
Year 6
100%
It’s good to know you have options. By choosing return of premium Option 1, you’ll have more benefits if you need long-term care than with Option 2.
Your return of premium option must be selected at issue. Once selected, it cannot be changed.
The second option gives you more liquidity with this return of premium vesting schedule (additional cost applies). [Read from slide.]
*Through the Value Protection Rider available at issue. The money returned will be adjusted for any loans, withdrawals and benefits paid, and may have tax implications. Rider contains complete terms and conditions. If surrendered before the planned premiums are paid, the surrender value will be paid.

15. A solution people trust
Nancy
Age 60 Qualifies for the Couples Discount
Concerns
Could an illness deplete her savings?
She purchases
$100,000 Lincoln MoneyGuard® II policy with a 2-year Long-Term Care Acceleration of Benefits Rider (LABR) and a 4-year Long-Term Care Extension of Benefits Rider (LEBR)
With Lincoln MoneyGuard® II, you have flexibility with a choice of premium payment options of 1 through 10 years.
Let’s look at how this flexibility makes it easier to prepare for the future.
Meet Nancy, a hypothetical client. She’s married, age 60 and a healthy nonsmoker with 2 adult children.
Nancy has assets for potential long-term care expenses, but she’s not sure if a prolonged illness or the need for care would erode her savings.
Let’s look at three different strategies to see how Nancy might benefit from a Lincoln MoneyGuard II policy with a 2-year LABR and a 4-year LEBR and the couples discount.

16. Flexibility with A choice of benefits
Lincoln MoneyGuard® II
Four $25,000 annual premiums
Return of premium option
Long-term care benefit1
Death benefit2
Return of premium3
Monthly maximum
Annual maximum for 6 years
Total
Option one4
$6,863
$82,357
$494,139
$164,713
$80,000
Option two5
$6,322
$75,868
$455,205
$151,735
$100,000
Vesting schedule
Year 1: 80%
Year 4: 92%
Year 2: 84%
Year 5: 96%
Year 3: 88%
Year 6: 100%
Hypothetical example only. Benefit amounts will vary by client’s age and gender. Assumes no inflation protection purchased.
1Reimbursements for qualified LTC expenses are generally income tax-free under IRC Section 104(a)(3).
2Income tax-free death benefit would be reduced by any loans, withdrawals and benefits paid. Beneficiaries may receive an income tax-free death benefit under IRC Section 101(a)(1).
3Through the Value Protection Rider available at issue. The money returned will be adjusted for any loans, withdrawals and benefits paid, and may have tax implications. Rider contains complete terms and conditions. If surrendered before the planned premiums are paid, the surrender value will be paid.
4A return of 80% of paid premiums is available once all planned premiums are paid.
5100% return of premium is available after year 5 provided all planned premiums are paid; additional cost applies.
In this hypothetical example, Nancy receives an annual bonus. She doesn’t want to make a lump sum payment, so her advisor recommends that she use a portion of that bonus to pay $25,000 annually for 4 years for a Lincoln MoneyGuard® II policy with a two-year Long-Term Care Acceleration of Benefits Rider (LABR) and a four-year Long-Term Care Extension of Benefits Rider (LEBR). This will provide at least six years of long-term care benefits.
At issue, if Nancy chooses Return of Premium Option 1, she could receive up to $494,139 of income tax-free reimbursements for qualified long-term care expenses. Her maximum available benefit is $6,863 per month for 6 years.
If she doesn’t need long-term care, her policy provides a $164,713 income tax-free death benefit (less any loans, withdrawals and benefits paid).
If she decides she wants a return of premium, she could have $80,000 once all her planned premiums are paid.
If Nancy chooses Return of Premium Option 2, she could receive up to $455,205 of income tax-free reimbursements for qualified long-term care expenses. Her maximum available benefit is $6,322 per month for 6 years.
If she doesn’t need long-term care, her policy provides a $151,735 income tax-free death benefit (less any loans, withdrawals and benefits paid).
If she decides she wants a return of premium, she could have $100,000 after year 5, once all her planned premiums are paid.
With the return of premium any funds returned will be adjusted for any loans, withdrawals and benefits paid, and may have tax implications Let’s look at another situation. 16

17. Flexibility with A choice of benefits
Lincoln MoneyGuard® II
Ten $10,000 annual premiums
Return of premium option
Long-term care benefit1
Death benefit2
Return of premium3
Monthly maximum
Annual maximum for 6 years
Total
Option one4
$6,216
$74,589
$447,531
$149,177
$80,000
Option two5
$5,726
$68,712
$412,272
$137,424
$100,000
Vesting schedule
Year 1: 80%
Year 4: 92%
Year 2: 84%
Year 5: 96%
Year 3: 88%
Year 6: 100%
Hypothetical example only. Benefit amounts will vary by client’s age and gender. Assumes no inflation protection purchased.
1Reimbursements for qualified LTC expenses are generally income tax-free under IRC Section 104(a)(3).
2Income tax-free death benefit would be reduced by any loans, withdrawals and benefits paid. Beneficiaries may receive an income tax-free death benefit under IRC Section 101(a)(1).
3Through the Value Protection Rider available at issue. The money returned will be adjusted for any loans, withdrawals and benefits paid, and may have tax implications. Rider contains complete terms and conditions. If surrendered before the planned premiums are paid, the surrender value will be paid.
4A return of 80% of paid premiums is available once all planned premiums are paid.
5100% return of premium is available after year 5 provided all planned premiums are paid; additional cost applies.
In this hypothetical example, Nancy has more than she needs in an annuity. Her advisor recommends that she annuitize the contract and purchase a 10-pay Lincoln MoneyGuard® II policy with a two-year Long-Term Care Acceleration of Benefits Rider (LABR) and a four-year Long-Term Care Extension of Benefits Rider (LEBR). This will provide at least six years of long-term care benefits. She’ll make annual payments of $10,000 for 10 years. She spreads out her income tax exposure over that 10-year period.
To maximize her long-term care benefits, she chooses Return of Premium Option 1.
She could receive up to $447,531 of income tax-free reimbursements for qualified long-term care expenses. Her maximum available benefit is $6,216 per month for 6 years.
If she doesn’t need long-term care, her policy provides a $149,177 income tax-free death benefit (less any loans, withdrawals and benefits paid).
If she decides she wants a return of premium, she could have $80,000 once all her planned premiums are paid.
If Nancy chooses Return of Premium Option 2, she could receive up to $412,272 of income tax- free reimbursements for qualified long-term care expenses. Her maximum available benefit is $5,726 per month for 6 years.
If she doesn’t need long-term care, her policy provides a $137,424 income tax-free death benefit (less any loans, withdrawals and benefits paid).
If she decides she wants a return of premium, she could have $100,000 after year 5, once all her planned premiums are paid.
With the return of premium any funds returned will be adjusted for any loans, withdrawals and benefits paid, and may have tax implications. Let’s look at another option. 17

18. Flexibility with A choice of benefits
Lincoln MoneyGuard® II
One $100,000 premium
Return of premium option
Long-term care benefit1
Death benefit2
Return of premium3
Monthly maximum
Annual maximum for 6 years
Total
Option one4
$7,221
$86,654
$519,921
$173,307
$80,000
Option two5
$6,652
$79,826
$478,956
$159,652
$100,000
Vesting schedule
Year 1: 80%
Year 4: 92%
Year 2: 84%
Year 5: 96%
Year 3: 88%
Year 6: 100%
Hypothetical example only. Benefit amounts will vary by client’s age and gender. Assumes no inflation protection purchased.
1Reimbursements for qualified LTC expenses are generally income tax-free under IRC Section 104(a)(3).
2Income tax-free death benefit would be reduced by any loans, withdrawals and benefits paid. Beneficiaries may receive an income tax-free death benefit under IRC Section 101(a)(1).
3Through the Value Protection Rider available at issue. The money returned will be adjusted for any loans, withdrawals and benefits paid, and may have tax implications. Rider contains complete terms and conditions. If surrendered before the planned premiums are paid, the surrender value will be paid.
4A return of 80% of paid premiums is available once all planned premiums are paid.
5100% return of premium is available after year 5 provided all planned premiums are paid; additional cost applies.
In this last hypothetical example, Nancy just wants to make one payment.
She has $100,000 in excess cash or a CD. Her advisor recommends that she use it to purchase a $100,000 single premium policy with a two-year Long-Term Care Acceleration of Benefits Rider (LABR) and a four-year Long-Term Care Extension of Benefits Rider (LEBR). This will provide at least six years of long-term care benefits.
If she chooses return of premium option 1, and needs long-term care, she could receive up to $519,921 of income tax-free reimbursements for qualified long-term care expenses. Her maximum available benefit is $86,654 per year for 6 years ($7,221 per month).
If she doesn’t need long-term care, her policy provides a $173,307 income tax-free death benefit that she could pass along to her children, Or if she uses a portion of the death benefit for long-term care expense reimbursements, her children or beneficiaries would receive the balance, income tax-free, (less any loans, withdrawals and benefits paid).
If she decides she wants a return of premium, she can have $80,000 once all her planned premiums are paid.
If Nancy chooses Return of Premium Option 2, she could receive up to $478,956 of income tax-free reimbursements for qualified long-term care expenses. Her maximum available benefit is $6,652 per month for 6 years.
If she doesn’t need long-term care, her policy provides a $159,652 income tax-free death benefit (less any loans, withdrawals and benefits paid), and
If she decides she wants a return of premium, she can have $100,000 after year 5, once all her planned premiums are paid.
With the return of premium any funds returned will be adjusted for any loans, withdrawals and benefits paid, and may have tax implications. 18

19. Lincoln Moneyguard® II
Flexibility to fit your financial plans and other advantages
A choice of premium payment options of 1 through 10 years
Leveraged income tax-advantaged dollars for long-term care
Leveraged income tax-free death benefit
Return of premium options1
Inflation protection options2
In summary, Lincoln MoneyGuard® II offers you the flexibility to fit your financial plans with so many advantages. You get…
A choice a premium payment options of 1 through 10 years
Leveraged income tax-free dollars for long-term care
Leveraged income tax-free death benefit
Return of premium options
Inflation protection options (available for an additional cost)
Premiums that never increase, and
International benefits
Premiums that never increase
International benefits
1Additional cost may apply Additional cost applies.

20. Lincoln Moneyguard® II
Easy application process
Experience in claims paying
Strength and stability of Lincoln
The application process is relatively simple — you review a one page health questionnaire with your financial professional, and if you are eligible to apply, you’ll complete and initial the application, and have an interview over the phone to appraise your health. Based on that phone interview we will either decline or approve you for coverage. It’s that simple!
When you need care, it’s good to know that our goal is to approve and pay claims within five days or less after all claims requirements are met.
Feel confident about your future with Lincoln MoneyGuard® solutions — the choice individuals like you have relied on for over 25 years — from a company with more than 100 years of financial stability.

21. Talk with your financial professional today.
Take the next step to help protect your savings, your lifestyle and your loved ones from the potential risk of long-term care expenses.
Regardless of how you intend to fund your long-term care needs, make an appointment with your financial professional to draw up a long-term care funding plan today.

22. Eligibility for reimbursement of qualified LTC expenses*
The insured is certified as chronically ill by a Licensed Health Care Practitioner (LHCP).
The LHCP certifies that the insured is unable to perform at least two of the activities of daily living (ADLs) without substantial assistance from another for a period of at least 90 days.
The ADLs are: bathing, continence, dressing, eating, toileting, and transferring. An insured may also be certified chronically ill as a result of severe cognitive impairment.
Certification must be reconfirmed by a LHCP every 12 months for reimbursement eligibility.
Qualified long-term care benefits will continue as long as the individual is certified as chronically ill and until the entire long-term care benefits are exhausted.
Care is provided under a care plan prescribed by a Licensed Health Care Practitioner.
Reimbursement is for covered expenses up to the maximum benefit specified in the policy.
Eligibility is subject to claims requirements as specified in the policy rider.
An individual must be certified by a Licensed Health Care Practitioner (LHCP) as chronically ill. The LHCP certifies that the insured is unable to perform at least two of six of the activities of daily living (ADLs) without substantial assistance from another person. The ADLs are: bathing, continence, dressing, eating, toileting, and transferring. An insured may also be certified chronically ill as a result of severe cognitive impairment. Certification must be reconfirmed by a LHCP every 12 months for reimbursement eligibility.
Qualified long-term care benefits will continue as long as the individual is certified as chronically ill or until the entire long-term care benefits are exhausted.
*Contract contains full details and definitions.

23. This material was prepared to support the promotion and marketing of investment and insurance products. Lincoln Financial Group® affiliates, their distributors, and their respective employees, representatives, and/or insurance agents do not provide tax, accounting, or legal advice. Any tax statements contained herein were not intended or written to be used, and cannot be used, for the purpose of avoiding U.S. federal, state, or local tax penalties. Please consult your own independent advisor as to any tax, accounting, or legal statements made herein.
Lincoln MoneyGuard® II is a universal life insurance policy with a Long-Term Care Acceleration of Benefits Rider (LABR) that accelerates the specified amount of death benefit to pay for covered long-term care expenses. Long-Term Care Extension of Benefits Rider (LEBR) is available to continue long-term care benefit payments after the entire specified amount of death benefit has been paid. The return of premium options are offered through the Value Protection Rider (VPR) available at issue; Base option (1) is included in the policy cost; Graded option (2) is available at an additional cost. Any additional surrender benefit provided will be adjusted by any loans/loan interest/loan repayments, withdrawals taken, and claim payments made; and may have tax implications. The cost of riders will be deducted monthly from the policy cash value. The insurance policy and riders have limitations, exclusions, and/or reductions, and subject to medical underwriting. Additionally, long-term care benefit riders may not cover all costs associated with long-term care costs incurred by the insured during the coverage period. All contract provisions, including limitations and exclusions, should be carefully reviewed by the owner. For costs and complete coverage details, contact your agent or producer.
Issued by The Lincoln National Life Insurance Company, Fort Wayne, IN, on Policy Form ICC13LN880 with the following riders: Value Protection Rider (VPR) on form ICC13LR880; Long-Term Care Acceleration of Benefits Rider (LABR) on form ICC13LR881; optional Long-Term Care Extension of Benefits Rider (LEBR) on form ICC13LR882.
All guarantees and benefits of the insurance policy are subject to the claims-paying ability of the issuing insurance company. They are not backed by the broker-dealer and/or insurance agency selling the policy, or any affiliates of those entities other than the issuing company affiliates, and none makes any representations or guarantees regarding the claims-paying ability of the issuer.
Product not available in New York.
For use in states where this product is available under the Interstate Insurance Product Regulation Commission (IIPRC).
LincolnFinancial.com
Lincoln Financial Group is the marketing name for Lincoln National Corporation and its affiliates.
Affiliates are separately responsible for their own financial and contractual obligations.
2/14 Z01 Order code: MGR-ICC-PPT004

24. Thank you