Wouldn’t it be great for your clients to have a life insurance policy that could give them the flexibility to manage the unexpected? To give them the comfort of knowing that they’re protecting what’s most important at the same time they’re accumulating assets? That way they can focus on enjoying life and not worrying about what they can’t control.

If so, a Lincoln universal life insurance policy may be right for your clients.

Lincoln LifeReserve^® Indexed UL

Are you using the Lincoln LifeReserve Indexed UL for any traditional premium finance cases?

Do you have a client that is looking for a death benefit that can be coupled with upside potential and a possible income stream? Lincoln LifeReserve Indexed UL can be a great solution when paired with a traditional premium finance plan.

• Little out of pocket money required annually
• High early cash value can reduce the amount of collateral up front for premium financing
• Potentially full loan repayment to lender via policy loans
• Tax-free death benefit to beneficiaries
• Generate tax-free retirement income stream if needed

Don’t forget you have two guarantee UL products, Lincoln LifeGuarantee^® UL and Lincoln LifeGuarantee^® Plus UL, you can sell right now! Please see your state availability for the Lincoln LifeGuarantee UL 2009. All applications for the old Lincoln LifeGuarantee UL and Lincoln LifeGuarantee Plus UL must be in-house on or before 12/31/09!

Lincoln LifeGuarantee Plus UL 2009 and 1035

The Problem

• Client (Male A58 PNT) has a $550,000 UL policy with $19,755 of cash value which will still lapse despite current premium payments of $23,470.
• Client now has a $1M death benefit need and can’t afford higher annual premiums.

The Solution
For an additional $80K of cumulative premium and lower annual premiums:

• LGUL Plus 2009 provides this 58-year-old PNT client a $1M death benefit with lifetime guarantees versus their current plan’s $550K death benefit with limited guarantees!!!
• LGUL Plus 2009 has $300K of cash value at A80 versus their current plan’s $1K cash value, and provides more flexibility for changing needs.
• LGUL Plus 2009 has a 12-month 1035 Forgiveness feature.
• This 58-year-old client’s underwriting evidence is also good for 12 months.

Lincoln LifeGuarantee^® SUL 2009

Lincoln knows the secondary guarantee market and is ready to offer you top-of-the-line solutions for client needs.

$1,000,000 face amount, Option 1

Information is from public sources deemed reliable, and is current as of October 2009; its accuracy cannot be guaranteed.

Lincoln Financial Strength Kits

Everything you, your agents, and your clients need to know about Lincoln in one place!

Order code: LFG-CONF-KIT003

Lincoln MoneyGuard^® Reserve

Wouldn’t it be nice to have extra sales to close out the year? The Lincoln MoneyGuard Reserve Streamlined Underwriting process reduces the number of steps it takes to complete the sales process. Average turnaround time on a Lincoln MoneyGuard Reserve case, submitted in good order, from application to issue is 8 days!

• Only one page of questions to determine if your client can proceed to be underwritten
• No exams, doctor statements, or lab work needed
• Client will be interviewed over the phone
• Signatures obtained on policy delivery

If Lincoln MoneyGuard Reserve has been part of your business plan, you probably already recognize its potential. It’s one simple solution for your client and a significant revenue opportunity for you. With the year end coming soon, Lincoln MoneyGuard Reserve is a quick sale to add to your 2009 production!

Lincoln has launched

Lincoln AssetEdge^SM VUL (2009) and Lincoln AssetEdge^SM Exec VUL (2009) on Monday, 10/19

Excellent “out of the box” cash value growth (no need to utilize BSO) for heavily funded accumulation and distribution sales. Features and benefits tailored to the supplemental retirement income market for both personal and business applications. Provides combination death benefit protection with cash value accumulation potential.