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March 2025

Lincoln Financial Notification of Product Availability

Effective April 14, 2025, and pending state approval, Lincoln Financial Group will implement structural and pricing changes to Lincoln MoneyGuard Fixed Advantage® with the launch of Lincoln MoneyGuard Fixed Advantage® (2025).

Lincoln MoneyGuard Fixed Advantage® (2025) is universal life insurance which provides a death benefit and long-term care coverage through a rider. The launch of Lincoln MoneyGuard Fixed Advantage® (2025) introduces the flexibility for a Point of Claim Choice option for receiving LTC benefits through Reimbursement or Indemnity and incorporates a split premium design to separate Life and LTC premiums to allow for potential tax deductibility. Additionally, the product design will allow for the flexibility to potentially increase benefits post issue.

Overall, the pricing impact for the new product will be consistent with the current MoneyGuard Fixed Advantage offering.

Illustration updates will reflect the Life and LTC premium splits as well as referencing the indemnity as part of the Point of Choice claim.

In accordance with these updates, effective April 14, 2025, Lincoln Financial hereby amends all existing Marketing/Selling Agreements to add Lincoln MoneyGuard Fixed Advantage® (2025). As this amendment changes the term of the agreement with Lincoln, if you are licensed with them, you should receive an email from Lincoln directly. Please retain a copy of that e-mail with your agreement. For a copy of your updated Schedule of Commissions A1/B1, contact LFGSELLINGAGREEMENTS@LFG.COM. In all other respects, the terms and conditions of the Agreement remain unchanged and in full force and effect.

For additional information about Lincoln Financial, visit our website at LincolnFinancial.com.

Lincoln Financial is the marketing name for Lincoln National Corporation and its affiliates.
Affiliates are separately responsible for their own financial and contractual obligations.
Agent or Broker Use Only. Not for use with the public.
Not for use in New York

Women: Today’s Largest Emerging Market

Men traditionally have dominated the wealth management industry as both clients and advisors, but a big change is coming. Because women typically outlive men, a “horizontal wealth transfer” from male baby boomers to their spouses, along with broader forces in the economy — such as women earning higher incomes — will put women in control of most of the $30 trillion in baby boomer wealth by 20301.

March is Women’s History Month, a time that encourages reflection on the progress made in gender equality but that also acknowledges the ongoing challenges women face worldwide. Even though women will make up a growing share of high net-worth investors and consumers, women still fall behind in retirement readiness. They tend to receive lower Social Security benefits, have lower retirement account ownership rates and lower estimated retirement account balances, and own fewer assets than men2. Are you prepared for this emerging market?

 

  1. “Women as the Next Wave of Growth in U.S. Wealth Management,” Pooneh Baghai, Olivia Howard, Lakshmi Prakash, and Jill Zucker, McKinsey & Company, July 29, 2020, https://www.mckinsey.com/industries/financial-services/our-insights/women-as-the-next-wave-of-growth-in-us-wealth-management
  2. “Spotlighting Women’s Retirement Security,” U.S. Department of the Treasury, Sept. 20, 2024, https://home.treasury.gov/news/featured-stories/spotlighting-womens-retirement-security#_edn8