Effective August 11, 2025, Lincoln MoneyGuard Fixed Advantage (2025) will be made available in the states of Indiana and Montana.
Lincoln MoneyGuard Fixed Advantage (2025) is universal life insurance which provides a death benefit and long-term care (LTC) coverage through a rider. The launch of 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.
Following a transition period, MoneyGuard Fixed Advantage (2025) will replace currently sold.
MoneyGuard Fixed Advantage®– 01/22/24 in Indiana and Montana.
Read about the key updates for Lincoln MoneyGuard Fixed Advantage (2025)
Availability and Transition Rules
Pending firm approval, applications for Lincoln MoneyGuard Fixed Advantage (2025) will be accepted beginning on August 11, 2025, in Indiana and Montana.
- For applications to qualify for the current Lincoln MoneyGuard Fixed Advantage pricing, a projection of values and the completed Part 1 must be signed, dated, and received in-good- order by Lincoln’s home office by Friday, September 12, 2025.
- For pending or issued business on or after August 11, 2025, Lincoln will accept written requests with a revised projection of values to change to Lincoln MoneyGuard Fixed Advantage (2025).
- For placed business, normal internal replacement guidelines apply. Rewrites will not be accepted.
- As of August 11, 2025, Lincoln DesignIt® and WinFlex illustration software will be updated
- with the new product version. During the transition period both versions can be run.
- Ensure that you are appropriately credentialed. Clients of advisors who are not properly credentialed to solicit business when the paperwork is submitted will be subject to the product version in effect on the date when the advisor becomes properly credentialed and resubmits the paperwork.
- Remember that once an application is submitted, the Personal History Interview (PHI) must be completed within 60 days of submission. In addition, the case must be placed within 60 days of the PHI. If these conditions are not met, the case will be closed out. If a case is reopened, a new Part 1 must be submitted, and the case will be subject to the product version available at that time.
Resources
Lincoln MoneyGuard Fixed Advantage (2025) Product Reference Guide