Life is what you make it


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What are living benefits?

You’re successful. You have high expectations for yourself and big dreams for your loved ones. You know that life is what you make it. Therefore, the decisions you make today will affect your life tomorrow.

To reach your goals, you need to explore all your options. That’s why it might surprise you to discover that when it comes to your portfolio, there’s a strategy to generate income that often goes overlooked — a cash value life insurance policy.

Many people think of life insurance only in terms of protecting loved ones. However, the right plan can also provide potential living benefits that can help you do more during your lifetime — and set the course for a more comfortable retirement. After all, it’s called “life” insurance for a reason.

Life insurance that benefits your life

Living benefits for the life you lead

Variable universal life policies (VUL) and indexed universal life policies (IUL) can provide cash value growth opportunities designed to help you increase your wealth. These tax-efficient resources can make it easier to live the life you want today and through retirement.


Your income

Business planning strategies using cash value life insurance can provide powerful incentives for attracting, rewarding and recruiting top talent.


Your business

Build in LTC and chronic illness protection by adding a rider to your permanent life policy. It provides an extra layer of financial protection and peace of mind when preparing for short-term or long-term care needs.


Your long-term
care needs

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Boosting your income opportunities

Life never stands still. You try to strike the right balance between achieving your goals today, with an eye out for living the retirement you always envisioned.

By adding an accumulation variable universal life or indexed universal life insurance policy to your portfolio, you’re giving yourself the growth potential to increase your wealth over time. And you’re doing it strategically, enabling you to access cash value in a way that’s tax-efficient and won’t impact your tax bracket.*

So, whether you’re looking to purchase that vacation home or want to feel more secure about your retirement income, life insurance can add some much-needed financial flexibility to your life.

Fueling your dreams for retirement

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Tax-deferred growth potential

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Investment options to meet your needs

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Supplemental retirement income*

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Protection for what matters most

How do you attract, reward and retain key employees?

Recruit. Retain. Relax.

Consider cost-efficient solutions to support your business's success. Life insurance can be used to fund strategies that attract and retain top talent, and that reward key employees for exceptional performance. These strategies can provide meaningful supplemental retirement income for owners and selected employees.*

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Attract, reward and retain
key employees

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Supplemental retirement income for owners and select employees*

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Balance sheet friendly

Preparing for life’s “what ifs”

Good health. An active lifestyle. Enjoying the fruits of a lifetime of hard work. That’s what you deserve during your retirement.

However, when it comes to your health it’s important to plan for the unexpected. And that’s where adding a long-term care rider to a life insurance policy can provide peace of mind.** It also can ease the concerns that your family may face for your well-being down the road.

As people live longer and medical expenses continue to rise, long-term care coverage provides an extra layer of financial protection for your future.

Long-term coverage by the numbers

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Total life expectancy has increased by 9 years and is projected to increase another 7 years.1

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72% of individuals worry that they would not be able to provide adequate care if somebody in their family needed it.2

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$110,595 is the national average annual cost of care in a private room of a skilled nursing facility.3

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91% of Americans believe long-term care planning is an important component of retirement planning.4

1 United States Census Bureau, “Living Longer: Historical and Projected Gains to Life Expectancy, 1960-2060”,, April, 2019.

2 Versta Research, “2017 LTC Marketing and Thought Leadership Research, Findings from Surveys of Advisors and Consumers,” February 2018. For a printed copy, call 877-ASK-LINCOLN.

3 LTCG, "2019 Lincoln Financial Cost of Care Survey," March 2020, For a printed copy, call 877-ASK-LINCOLN.

4 "93% of people who have LTC solutions are confident about their long-term financial plan." 2019 Lincoln Financial Conversation Survey, August 2019. For a printed copy, call 877-ASK-LINCOLN.

Take the next step for your future. Get ready to talk about your long-term care plans.

Add some "life" to your portfolio

The many benefits of living benefits:

  • Cash value growth opportunities to help you increase your wealth — so you can do the things you want in your future
  • Fund strategies to help protect and grow your business
  • A tax-efficient financial resource — to use throughout your life or to boost your retirement income*
  • An extra layer of protection for your future — with long-term care expense protection and chronic illness protection options
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Speak with your financial professional today.