Please read below new product announcement from Lincoln...  The new MoneyGuard Fixed Advantage will replace MoneyGuard III  

We’re excited to announce the launch of MoneyGuard Fixed Advantage – the newest addition to the Lincoln MoneyGuard® solutions product portfolio— on Monday, May 16th and hope you’ll join us for our MoneyGuard Fixed Advantage launch call on Thursday, May 19th at 2:00 PM EDT: REGISTER HERE. MoneyGuard Fixed Advantage will replace MoneyGuard III in states where approved.

This solution maintains our competitive pricing and flexible premium design while incorporating better features like the Benefit Transfer Rider (BTR) and expanded Flex Care Cash benefit.

• The Benefit Transfer Rider (BTR) is a no-cost rider automatically added to all MoneyGuard Fixed Advantage policies and is designed to give beneficiaries added flexibility with how they receive death benefit proceeds. The BTR gives beneficiaries the option to use all or some of their death benefit proceeds to enhance long-term care benefits, death benefit and length of protection on their existing MoneyGuard policy with no additional underwriting requirements.
• Our Flex Care Cash benefit has expanded from 5 days to 7 days per week, giving MoneyGuard Fixed Advantage policyholders access to receipt-free cash to compensate caregivers, including spouses or family members, up to half of their monthly LTC benefits. Plus, they still keep the remaining balance of their Max Monthly LTC benefit for reimbursement of qualified LTC expenses.