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Long-term care planning
When to plan
Retirees

Retirees

Protect your income and legacy.

Life-stage considerations

Focusing how to protect income streams to last through retirement
Looking forward to spending time with family and grandchildren
Starting to take required minimum distributions (RMDs)

Meet Jack

Retirement is going great, and I am enjoying spending time with my family. Although I have sufficient retirement savings, I'm unsure that my income stream could sustain a long-term care event. I want to be sure I'm prepared for the unexpected so that I won't strain my loved ones with additional responsibilities.

Jack’s long-term care plan

Jack and his financial professional selected a hybrid long-term-care funding solution that protects his retirement income and legacy from the rising costs of care and tax-inefficiencies. Additionally, his family can rest assured knowing that he has a comprehensive plan in place that will provide dedicated resources and support if he does need care.

Three questions to discuss with your financial professional:

What would happen to my income stream if I need care?
Would I be comfortable having my loved ones change their lifestyles to take care of me?
Would I be able to reposition my assets to cover the cost of extended healthcare event?

Learn how a hybrid funding solution helps protect your income and legacy

Issuers: The Lincoln National Life Insurance Company and, in NY only, The Lincoln Life & Annuity Company of New York

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The purpose of this communication is the solicitation of life insurance. Contact will be made by a licensed insurance agent/producer or insurance company.

* Examples used are not third party testimonials or endorsements. All examples are hypothetical and are used only to demonstrate a possible real life need. They are not based on comments we received from a particular client, customer or applicant.

Hybrid policies are universal life policies with optional long-term care benefit riders. The policies and riders have exclusions, limitations, and/or reductions. Please contact your Lincoln representative or the insurance company for costs and complete details.

© 2021 Lincoln National Corporation. All rights reserved.

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.

Lincoln products are not a deposit nor FDIC-insured, may go down in value, and are not insured by any federal government agency or guaranteed by any bank or savings association.

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