We All Know Relatives Or Family Friends Who Have Experienced the Need for Long-Term Care

[Please print this using your own letterhead to comply with compliance regulations, and for a more personal touch. No part of this letter may be altered except those fields contained in brackets “[ ].”]

[DATE]

Dear [NAME]:

We all know relatives or family friends who have experienced the need for long-term care for themselves or for loved ones. Such care can be quite expensive, especially if we opt for care in our homes rather than in a nursing home or other facility.

You may have sufficient assets to pay for long-term care, but using your retirement income may not be the most efficient way to handle long-term care costs. It’s very important to me that you make fully informed financial decisions, which is why I want to tell you about an innovative product called Lincoln MoneyGuard® Reserve. It’s a universal life insurance policy with long-term care benefits from The Lincoln National Life Insurance Company.

Consider what could happen to your family’s finances if you need to divert your retirement income to pay for long-term care. Even assisted living could have a significant impact on your retirement income.

We don’t know what the future will bring, but I do know that Lincoln MoneyGuard Reserve can help with two very important retirement issues: It can help to shield your assets from the high cost of long-term care. And if you don’t need long-term care, the policy can then transfer assets to your beneficiaries. Lincoln MoneyGuard Reserve helps you leverage fixed assets to reimburse you for qualified long-term care costs.

I will be calling you next week to discuss this product further and to answer any questions you may
have. Or if you want to learn more about Lincoln MoneyGuard Reserve sooner, please call me at
[xxx xxx-xxxx].

Sincerely,

[YOUR NAME]

[TITLE]

[CA ONLY – LICENSE #]

Important disclosures. Please read.

Lincoln MoneyGuard® Reserve is a universal life insurance policy with a rider that accelerates the specified amount of death benefit to pay for covered long-term care expenses. The cost for this rider will be deducted from the policy account value. Guarantees are backed by the claims-paying ability of the issuer and are subject to policy terms and conditions. The policy and riders have exclusions, limitations, and reductions.

Lincoln MoneyGuard® Reserve is issued by The Lincoln National Life Insurance Company, Fort Wayne, IN, on Policy Form LN850 (8/05) and Convalescent Care Benefits Rider on Rider Form LR851 (8/05). Contractual obligations are backed by the claims-paying ability of The Lincoln National Life Insurance Company.

Products and features, including benefits, exclusions, limitations, terms and definitions, may vary by state. Not for use in New York.

LIF-MG-08-0280_MG-I-LTR001

XX 4/08 Order code: MG-I-LTR001

08-3827A

LCN0802-2013552