It s time for a Policy Review

Transcription

1 When your priorities change... It s time for a Policy Review LIFE SOLUTIONS Client Overview Insurance products issued by: The Lincoln National Life Insurance Company Lincoln Life & Annuity Company of New York

2 Does your life insurance still meet your needs? You purchased life insurance because you were looking ahead and preparing for the future. After all, you may depend on your life insurance to: Provide lifestyle protection for your family Ensure that debts and commitments, such as college tuition, are paid Preserve your assets Create a legacy Supplement your retirement income Insure your spouse s retirement Protect your business Attract or reward key employees Your life keeps changing what fit then may not fit now When you purchased your policies, you may have made assumptions about policy charges, interest rates, premiums and other features. But in life, there s just one constant: change. Do you still need the same amount and type of coverage? A new family situation, a different career, a child entering college any of these common events should trigger a reevaluation of your coverage. Are there better life insurance alternatives to meet current needs? For example, if costs associated with permanent or chronic illness present a serious threat to your financial security, additional features can be added to the original policy to provide access to funds.

3 Meet your true needs today and your goals for the future As one of the most valuable assets you own, life insurance should be reviewed regularly to learn if your insurance still meets your needs. It can be especially important when: Your need for life insurance has increased or decreased. Extended periods of low interest rates have affected policy performance and premiums. Your health has improved, qualifying you for a better rating. Your family or business situation has changed. Loans, withdrawals or other policy changes have affected the policy s performance. Premiums have not been paid as planned. Arrange a Policy Review today.

4 A Policy Review helps protect what s really important to you It s a good idea to review your situation every three to five years. A life insurance Policy Review is a great way to evaluate your coverage and ensure that it continues to meet your needs. Your advisor will: 1 Talk with you about your existing policies in relation to your original and current goals Gather information about your existing policies and present current in-force illustrations to help evaluate them. Review the findings with you. Maintain, tweak or suggest alternative solutions, to stay in step with your needs and goals. Life changes. Your life insurance situation can change as well. Learn if the insurance you have now truly reflects your life today and the goals you have for the future.

5 Contact Call me today your advisor for a Policy today Review. for a Policy Review. Important information: Lincoln life insurance policies are issued by The Lincoln National Life Insurance Company, Fort Wayne, IN, and distributed by Lincoln Financial Distributors, Inc., a broker-dealer. The Lincoln National Life Insurance Company does not solicit business in the state of New York, nor is it authorized to do so. Policies sold in New York are issued by Lincoln Life & Annuity Company of New York, Syracuse, NY, and distributed by Lincoln Financial Distributors, Inc., a broker-dealer. All guarantees and benefits of the insurance policy are subject to the claims-paying ability of the issuing insurance company. They are not backed by the broker-dealer and/or insurance agency selling the policy, or any affiliates of those entities other than the issuing company affiliates, and none makes any representations or guarantees regarding the claims-paying ability of the issuer. Products, riders and features are subject to state availability. Limitations and exclusions may apply Lincoln National Corporation LincolnFinancial.com Lincoln Financial Group is the marketing name for Lincoln National Corporation and its affiliates. Affiliates are separately responsible for their own financial and contractual obligations. LCN POD 8/15 Z04 Order code: LIF-PR-SJM001 Not a deposit Not FDIC-insured Not insured by any federal government agency Not guaranteed by any bank or savings association May go down in value

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