Asset Protection using Hybrid Long-Term Care Insurance Products

A new generation of asset protection alternatives to long-term care insurance are becoming increasingly popular for wealth transfer and long-term care planning. Unlike traditional long-term care insurance, premiums are guaranteed, they can never be increased. Perhaps most importantly, if long-term care benefits are never used premium dollars are not lost. Premium contributions can always be returned to the insured at anytime, or paid to beneficiaries in the form of an income tax exempt death benefit if the long-term care insurance component is not utilized.

How can we help?

We feel a strong allegiance to Lincoln Financial’s MoneyGuard product. But we have a stronger allegiance to you-and doing the right thing.

Without obligation let us quote and explain how MoneyGuard can work for you.

1-888-793-6111 toll free or

The next step is most important. Without obligation let us compare MoneyGuard to other fine companies available to you. Then you will have the satisfaction and peace of mind knowing, with 100% certainty, that you are making the most informed choice.

  • MoneyGuard

    • PremierCare

    • CareChoice

    • YourLife

Who are we?

RetirementGuard is an independent broker and consultant working in the asset protection insurance space. This is the only thing we do. We are the vendor and broker of choice with many Ivy League schools (Google RetirementGuard) but we also work with people like you.

My name is Craig Davis and I am RetirementGuard’s President. Because this is all that we do we are experts. If you have a Financial Planner, that’s wonderful. Let him or her do what they do best- manage your money. Our job is to protect it. Remember, the wrong product choice could cost hundreds of thousands of dollars- or more. Without obligation call me today. If I am not available I will get back to you ASAP.

How does this work?
A better way to self insure in 6 easy steps!

Step One

A 58 year old decides to reposition $100,000 from an underperforming asset. He makes 5 annual premiums of $20,000 into a Hybrid insurance policy.

Step Two

At the end of year 6 he can always get his $100,000 back and should he die $176,000 will be paid income tax-free to his beneficiaries.

Step Three

The $100,000 ($20,000 for 5 years) initially leverages into a $400,000 long-term care benefit.

Step Four

When he is most likely to need long-term care, the $100,000 ($20,000 for 5 years) is leveraged into a $1,000,000 long-term care benefit.

Step Five

He would have had to invest his original $100,000 at 7.4% after-tax to generate the same $1,000,000 long-term care benefit.

Step Six

And if he never needs long-term care his beneficiaries will receive a tax-free death benefit in excess of what his original premium was.


Think about it, for those who were planning to self insure who wouldn't want to consider a hybrid plan?

  • Why the Hybrid LTC Product
    "Lincoln MoneyGuard"
    is Usually Better
  • MoneyGuard has competitors but is still, generally, the most competitive Hybrid product. But a word of caution, the wrong product choice could literally cost you hundreds of thousands of dollars.
  • MoneyGuard is very competitive for women—at any age.
  • MoneyGuard is extremely competitive if you are willing to have less than a 100% money back guarantee should you never need long-term care.
  • However
  • MoneyGuard is not competitive if you are looking for an indemnity (disability) model.
  • MoneyGuard is not as competitive for men under age 72.
  • MoneyGuard is not competitive if 100% access to your premium contribution is important to you anytime.
  • Again, the wrong choice can cost you hundreds of thousands of dollars.

Which product is best for you?

The wrong choice could cost you hundreds of thousands of dollars. In one phone call - without obligation - we can compare several of most popular Hybrid Products available to you to help you make informed decisions. Contact us at 1-888-793-6111 (toll free) or at

Contact us today
Asset Linked (Hybrid LTC) Long Term Care Insurance.
Helping people keep their money safe is the only thing we do.