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Missed opportunity: Only one-third of advisors offer business planning services to their clients.1

Case study

Part of business planning is having key person coverage — for a corporate officer, an individual with technical expertise, or large revenue driver.

Key person: Sal, age 45
Business goals

·         Protect the business from the death of their key person in a cost-efficient way

·         Have a source of liquidity to replace revenue in the event of the loss of a key person

The solution

·         Lincoln LifeElements® Level Term — an affordable solution for key person coverage

·         $1,274 annual premiums for 20 years

The outcome

Key person protection

$1 million
income tax-free

$25,480
Total premium paid

Help owners understand the risk of losing a key person and how life insurance can be an effective solution to help them protect their most important investment―their businesses. See how to start the conversation.

Sal and his construction firm’s key person

If you’d like more information about planning with life insurance or want an illustration, please contact your Lincoln representative or call 833-422-5433.

1Source: LIMRA: “Understanding the Small Business Owner Market,” May 2018.

Issuer: The Lincoln National Life Insurance Company, Fort Wayne, IN

The Lincoln National Life Insurance Company does not solicit business in the state of New York, nor is it authorized to do so.

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. The insurance policy and riders have limitations, exclusions, and/or reductions. Check state availability.

Distributor: Lincoln Financial Distributors, Inc., a broker-dealer

Policy: Lincoln LifeElements® Level Term (2017) — 09/10/18 is issued on policy form TRM6063 and state variations. Not available in NY.

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-2250293-092018
LIF-5KEYP-EML001_Z01

©2018 Lincoln National Corporation

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Lincoln Financial Group
150 N. Radnor-Chester Road
Radnor, PA 19087
877-ASK-LINCOLN
877-275-5462