Diversification for global clients

Meet Jose. He is a non-U.S. citizen and successful international business owner, who has a concentration of wealth in U.S. stocks but wants to create a way to pass this on to his heirs.

While stocks have historically provided growth over the long term, having all your eggs in one basket can increase your risk. A good way to reduce that risk is diversify into other assets like life insurance. Life insurance is based on life expectancy, providing some diversity and an increased predictability of what will be available to the next generation.

His financial professional recommends that he purchase a protection IUL that gives him the protection he wants with access to potential cash value if he needs it.


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See diversification strategies for your global clients

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Start a conversation

If you work with foreign national clients, ask them:

  • Do you own a lot of one stock that has appreciated significantly?
  • Are you concerned about overconcentration of stocks and potential future volatility)?
  • Would you like to have a portfolio asset that’s backed by a U.S. financial institution and pays benefits in U.S. dollars?

Show your global clients the value of life insurance.

Why Lincoln brochure

Global millionaires and ultra-high-net-worth individuals have tripled over the past 20 years, far outpacing the growth of U.S.-based millionaires.*

1This hypothetical example assumes a male, age 48, standard Lincoln WealthPreserve® IUL, nontobacco, $3,000,000 death benefit, increasing by cash value, 5.88% assumed interest rate with 100% premium allocation to the Perform Indexed Account. At current charges with 0% guaranteed interest rates, policy will lapse in year 23.

*ThinkAdvisor, “ The Foreign Nationals Life Market Is Getting Bigger ” August 23,2018.

Issuers: 
The Lincoln National Life Insurance Company, Fort Wayne, IN 
Lincoln Life & Annuity Company of New York, Syracuse, NY 

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. 

Products, riders and features are subject to state availability. The insurance policy and riders have limitations, exclusions, and/or reductions. Check state availability.  

Distributor: Lincoln Financial Distributors, Inc., a broker-dealer 

Policies:  

Lincoln WealthAccumulate® IUL (2019), policy form ICC18UL6083/UL6083 and state variations. Not available in NY.  

Lincoln WealthPreserve® IUL (2017), policy form ICC17UL6082/UL6082 and state variations, UL6082 in NY. 

Lincoln AssetEdge® VUL (2015) policy form LN683 and state variations; LN683 in NY.  

Lincoln VULONE (2019) policy form LN696/LR668 and state variations. Not available in NY.  

Lincoln SVULONE (2016) policy form LN667/LR667 and state variations. Not available in NY. 

Variable products: Policy values will fluctuate and are subject to market risk and to possible loss of principal. 

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. 

Only registered representatives can sell variable products. 

For agent or broker use only. Not for use with the public