Investors

Life insurance can be an important tool for clients looking to build cash value for their future. In addition to providing protection, life insurance is a tax-advantaged resource that can provide growth opportunities and access to their potential cash value throughout their lives.

Who are these clients?

These clients fulfilled many goals and may now be thinking about how to maintain their lifestyle in retirement. They have established careers, significant disposable income and a vision for what they want the future to look like.

  • These clients are concerned about protecting their  loved ones and finances and reducing taxes now and during retirement.
  • They may have maxed out their other savings vehicles and are looking for tax-advantaged ways to grow their savings.
  • They may be professionals with significant disposable income who are also looking for financial protection for their family.
  • They may have recently inherited a significant amount of wealth.

Questions to start the conversation

  1. Did you know that in addition to a death benefit, life insurance can be an income tax-free resource to supplement your retirement?
  2. Are you looking for a more flexible policy that would allow you to change your options as your priorities shift through life?
  3. If you could leave a much larger benefit to your favorite charity than planned, would you explore that opportunity?
  4. Is your portfolio diversified to maximize tax advantages?
     

Solutions to consider

For clients looking for protection and:

  • Growth opportunity with the flexibility to choose investment options, Lincoln AssetEdge® VUL provides tax-efficient growth potential and opportunity for an income tax-free financial resource
  • Significant growth opportunity and distribution potential with market-loss protection, Lincoln WealthAccumulate® 2 IUL provides the flexibility to meet your clients’ evolving needs throughout their lives

Add optional riders for additional protection, including long-term care expense protection.
 

Advanced tax strategies

For clients with complex estates and diverse goals, use life insurance to create a sophisticated transfer strategy.

Maximize opportunities with a tax strategy

Premium financing

For clients with illiquid assets and significant insurance needs, premium financing may be available.

Explore our financing strategies

Business insurance solutions

Let us help you identify, design, implement and administer life insurance solutions for your business owner clients.

Compare our life insurance offerings

Global clients

Help Foreign National clients diversify their global portfolios.

Learn more about our foreign national expertise

Lincoln WealthAccumulate® 2 IUL (2020) is issued on policy form ICC20UL6092/UL6092, Lincoln AssetEdge® VUL (2020) is issued on policy form ICC20-VUL688/20-VUL688 and state variations by The Lincoln National Life Insurance Company, Fort Wayne, IN, and distributed by Lincoln Financial Distributors, Inc., a broker-dealer. The Lincoln National Life Insurance Company does not solicit business in the state of New York, nor is it authorized to do so.

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.

Lincoln variable universal life insurance is sold by prospectus. Carefully consider the investment objectives, risks, and charges and expenses of the policy and its underlying investment options. This and other important information can be found in the prospectus for the variable universal life policy and the prospectus for the underlying investment options. Prospectuses are available upon request and should be read carefully before investing or sending money. For a current prospectus, please call 800-444-2363 or go to www.LincolnFinancial.com.

Policy values will fluctuate and are subject to market risk and to possible loss of principal. Products, riders and features are subject to state availability. Limitations and exclusions may apply.


It is possible coverage will expire when either no premiums are paid following the initial premium, or subsequent premiums are insufficient to continue coverage.

Lincoln Financial Group® affiliates, their distributors, and their respective employees, representatives, and/or insurance agents do not provide estate, tax, accounting, or legal advice. Please consult an independent professional as to any tax, accounting, or legal statements made herein.

It is possible coverage will expire when either no premiums are paid following the initial premium, or subsequent premiums are insufficient to continue coverage.