Linked benefit life insurance products offer these advantages:
Long-term care benefits
If your client needs care, their policy provides income tax-free reimbursements for qualified long-term care expenses.1
If your client never needs care, or if they use only a portion of their LTC benefits, their beneficiaries receive an income tax-free legacy.2
Return of premium options
A return of premium option is available if your clients change their minds.
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We are licensed in the following states. If you are a legal resident of one of these states, please proceed. We are sorry if we are unable to offer you our services at this time.
Securities: California, Florida, Indiana, New Mexico, New York, Ohio, Oklahoma, Texas, Wisconsin
Robert D. Kinnally:
California Insurance License #0I03322
Registered representatives offering securities through Lincoln Financial Securities Corporation, member Finra/SIPC. RDK Advisers is not an affiliate of Lincoln Financial Securities Corporation.
Not all registered representatives with our firm are able to offer advisory services.
See Lincoln Financial Securities (LFS’) Form CRS Customer Relationship Summary, available here, for succinct information about the relationships and services LFS offers to retail investors, related fees and costs, specified conflicts of interest, standards of conduct, and disciplinary history, among other things. LFS’ Forms ADV, Part 2A, which describe LFS’ investment advisory services, Regulation Best Interest Disclosure Document, which describes LFS’ broker-dealer services, and other client disclosure documents can be found here.