Lincoln Money Guard

[yankee466]

They were designed by the same person, so product wise they are as close as you can get. It depends on the client's health. If they are really, really healthy, TLC. If they would be like a table 2-4 on life, MoneyGuard.

if married, tlc usually wins.[/quote]

TLC has you pee in the cup.....MG does not.

 

[Mr_Ed]

if married, tlc usually wins.

TLC has you pee in the cup.....MG does not.[/QUOTE]

if you can't pee in a cup you might want to see a urologist.

 

[yankee466]

It could even involve a proctologist if things get really bad.

 

[ltcadviser]

I use them all. Just run the numbers to see which is better. Moneyguard is sometimes better than Pac Life; Pac Life is often better than Moneyguard, especially for men. TLC has a reduction in benefits on guaranteed ledger at older ages that often destroys the case. Sometimes State Life provides significantly more leverage on the linked benefit annuities than any of the hybrid life/ltc products. I just had a $150000 case get approved by State Life and declined by Genworth, so like anything keep your options open
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Herman, I would suggest you not view linked benefit LTC policies as overpriced life insurance policies. The clients do not view these policies as life insurance at all. They are not meant for life insurance planning. These contracts are long term care solutions that are simply funded with a single premium and offer a ROP feature.