Wealth transfer and legacy planning

Whether your clients want to transfer wealth to the next generation, gift to charity, or create liquidity to pay state or federal estate taxes, life insurance may be an ideal solution.

Your client has fulfilled many goals, but may want to do a little more like help a loved one with special needs, reward a beloved cause or maintain control of their estate assets.

Get to know your clients

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Clients who want to create a legacy

These clients want to be remembered when they're gone and want to make a difference by increasing their endowments. They may also want to protect their assets from market risk.
 

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Couples facing tax exposure

They have appreciating assets and are concerned about estate taxes. Their children may face income tax exposure if they inherit their parents' qualified assets. They may have an uninsurable spouse. 


  

Solutions to consider

  • For risk-averse clients
  • For growth-seeking clients

For guaranteed death benefit protection, consider Lincoln LifeGuarantee® UL or Lincoln LifeGuarantee® SUL. For clients also interested in potential cash value flexibility, Lincoln VULONE* or Lincoln SVULONE* provide market-driven growth potential and a choice of more than 70 investment options.

These policies offer guaranteed death benefit protection, coverage for one or two individuals and tax-deferred cash value growth potential. An optional rider may be available that can provide a source of supplemental tax-advantaged funds in the event of permanent chronic or terminal illness.1
 

To learn more, read Lincoln's case study, Strengthen your legacy. (PDF)

Lincoln WealthPreserve® IUL (2017) offers long-term guaranteed death benefit up to age 90 or year 40 (whichever comes first), cash value growth linked to the S&P 500 index performance, the downside protection of a 1% floor, guaranteed minimum cap of 8.75% for the first 10 policy years1 and the ability to protect legacy assets from tax exposure and market risk.

An optional no up-front cost chronic illness rider is available that can provide a source of supplemental tax-advantaged funds in the event of permanent chronic or terminal illness.2

Lincoln WealthPreserve® Survivorship Indexed UL offers cash value growth potential linked to three indexed accounts, the downside protection of a 1% floor and the ability to protect legacy assets from tax exposure and market risk.

An optional rider is available that can provide a source of supplemental tax-advantaged funds in the event of permanent chronic or terminal illness.3

To learn more, read Lincoln's case study, Plan for a tax-efficient legacy. (PDF)

   

How much life insurance does my client need?

Use this life insurance calculator to help address your client's needs and their financial situation.

Try our life insurance calculator.

Will your client's savings last a lifetime?

Our life expectancy calculator can help determine how much they'll need to provide for their family and themselves.

Try our life expectancy calculator.

*Lincoln VULONE (2014) and Lincoln SVULONE (2016).

1Caps are declared for each indexed account segment at the beginning of the segment year, and once declared will not change. Subsequent rates may differ but the cap will never be less than the guaranteed minimum of 8.75% in years1 – 10, and 1% thereafter.

2Available for ages 20 – 80 if you qualify. Subject to certain requirements. Accelerated death benefits may be taxable and may affect public assistance eligibility. Other account values are reduced proportionately with each acceleration payment.

3The Lincoln LifeEnhance® Accelerated Benefits Rider is available for an additional cost at policy issue for ages 20 – 80 if you qualify. Accelerated death benefits may be taxable and may affect public assistance eligibility. Other account values are reduced proportionately with each acceleration payment. The optional rider is not available on Lincoln LifeGuarantee SUL or Lincoln SVULONE.

Variable products are sold by prospectuses, which contain the investment objectives, risks, and charges and expenses of the variable product and its underlying investment options. Read carefully before investing.

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. Check state availability.

For Financial Professionals only.