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Policy review

Meet Mark. He purchased a whole life insurance policy years ago and is up for his regular review with his financial professional.

When he purchased his whole life policy, his circumstances and needs were different. Now as he discusses his needs, he identifies long-term care concerns.

His financial professional suggests exchanging his whole life policy for a protection VUL policy with optional long-term care expense protection. As an added bonus, this new policy allows him to pay less or no premiums for the same protection. 


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See the options available in Mark’s policy review

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Start a conversation

Review your client’s current coverage and ask about what’s going on in their lives: 

  • What was the original purpose of your current policy? 
  • Have any significant events happened over the past year? (marriage, new home, new baby, downsizing, etc.)
  • Do you wish that your policy could help you accomplish other goals?
  • Would you like to see if there are other more efficient options that can help you meet your objectives? 
     

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See how a VUL can help your client.

Client approved case study

Individuals should review their life insurance needs with a financial professional at least once a year.*

Insurance Information Institute ,2019.

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