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LINCOLN MONEYGUARD® RESERVE PLUS

Why choose Lincoln MoneyGuard® Reserve Plus?

Like many people, you want to help protect your retirement savings from health-related expenses, such as long-term care. With Lincoln MoneyGuard® Reserve Plus you have the flexibility to fit your financial plan. This universal life insurance with optional long-term care benefit riders1 gives you a choice of payment options, from a single premium to payments spread out over 3, 5, 7 or 10 years.

Unlike traditional long-term care insurance, your policy costs are set at issue and will never increase. Because the policy offers a choice of premium payments, you have the option to choose how you pay for your coverage. Your policy provides benefits, — even if you never need long-term care, provided all planned premiums are paid.

You've got benefits

  1. If you need long-term care
    You can receive income tax-free reimbursements for qualified long-term care expenses. 2 There's no deductible or waiting period. This can make a real difference in your total out-of-pocket costs for qualified long-term care expenses.
  2. If you don't need long-term care
    Your policy provides an income tax-free death benefit. Your children, or loved ones, designated as beneficiaries, will receive a legacy. 3 The death benefit would be reduced by any loans, withdrawals and benefits paid.
  3. If you change your mind
    You have options. You can have a full return of your premium after year 5 (subject to the vesting schedule below, if surrendered before year 5), reduced by any loans, withdrawals, and benefits paid, provided all planned premiums are paid. 4
Return of premium vesting schedule
Months 0—6 = 100%
Months 7—12 = 90%
Year 2 = 92%
Year 3 = 94%
Year 4 = 96%
Year 5 = 98%
Year 6 = 100%

Stay in control with added advantages
When you're retired, the last thing you and your family want to deal with is making tough decisions about long-term care, such as deciding which assets to sell to pay the costs.

Take the next step toward your future with Lincoln Lincoln MoneyGuard® Reserve Plus.

  • Add inflation protection options 1 to help keep pace with rising long-term care costs.
  • Choose the care you want—even in the comfort of your home.
  • Feel confident if you live abroad because your policy includes international benefits.

Talk to your financial advisor about your flexible options. Take charge of your future — today!

We can help you find a financial advisor if you don't currently have one.
The purpose of this communication is the solicitation of insurance. Contact will be made by an insurance agent or insurance company.

1Available at an additional cost.

2Long-term care reimbursements are generally income tax-free under IRC Section 104(a)(3).

3Beneficiaries can receive an income tax-free death benefit under IRC Section 101(a)(1).

4Through the Enhanced Surrender Value Endorsement available at issue on all single premium policies and flexible premium policies for ages 35 — 69. Endorsement contains complete terms and conditions. If surrendered before the planned premiums are paid, the surrender value will be paid.

Important disclosures:

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 Lincoln MoneyGuard® Reserve Plus is a universal life insurance policy with a Convalescent Care Benefits Rider* (CCBR) that accelerates the specified amount of death benefit to pay for covered long-term care expenses. An Extension of Benefits Rider* (EOBR) is available to continue long-term care benefit payments after the entire specified amount of death benefit has been paid. The Enhanced Surrender Value Endorsement (ESVE) is included in the policy cost for all single premium policies and for flexible premium policies for issue ages 35 — 69. Any additional surrender benefit provided will be adjusted by any loans/loan interest/loan repayments, withdrawals taken, or claim payments made, and it will 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. 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.

Lincoln Lincoln MoneyGuard® Reserve Plus is issued by The Lincoln National Life Insurance Company, Fort Wayne, IN, on Policy Form LN870/ICC11LN870 with the Convalescent Care Benefits Rider* (CCBR) on Rider Form LR870/ICC11LR870, an optional Enhanced Surrender Value Endorsement (ESVE) on Endorsement Form B10465F/ICC11B10465F, an optional Extension of Benefits Rider* (EOBR) on Rider Form LR871/ICC11LR871, and an optional Nonforfeiture Benefit Rider (NFO) on Rider Form LR872/ICC11LR872.

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 issuing insurance company.

Products and features, including benefits, exclusions, limitations, terms, and definitions, may vary by state. Not available New York.

General exclusions and limitations

The LTC riders will not provide benefits for: a. care provided in facilities operated primarily for the treatment of mental or nervous disorders (this exclusion does not apply to qualifying stays or care resulting from a clinical diagnosis of Alzheimer's Disease or similar forms of dementia); b. treatment for alcoholism or drug addiction (unless the drug addiction is a result of medication taken in doses as prescribed by a physician); c. treatment arising out of an attempt (while sane or insane) at suicide or an intentionally self-inflicted injury; d. treatment provided in a Veteran's Administration or government facility, unless the Insured or the Insured's estate is charged for the confinement or services or unless otherwise required by law; e. loss to the extent that benefits are payable under any of the following: Medicare (including that which would have been payable but for the application of a deductible or a coinsurance amount), other governmental programs (except Medicaid), workers compensation laws, employer's liability laws, occupational disease laws, and motor vehicle no-fault laws; f. confinement or care received outside the United States, other than benefits for Nursing Home Care Services and Assisted Living Facility Services as described in the International Benefits provision; g. services provided by a facility or an agency that does not meet this rider definition for such facility or agency, except as provided in the Alternative Care Services provision; and h. services provided by a member of the Insured's Immediate Family or for which no charge is normally made in the absence of insurance.

*State variations apply.

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Lincoln Financial Group is the marketing name for Lincoln National Corporation and insurance
company affiliates, including The Lincoln National Life Insurance Company, Fort Wayne, IN,
and in New York, Lincoln Life & Annuity Company of New York, Syracuse, NY. Variable products
distributed by broker/dealer-affiliate Lincoln Financial Distributors, Inc., Radnor, PA. Securities
and investment advisory services offered through other affiliates. Explore Lincoln.



LCN-2045136/LCN1307-2083039