Lincoln Financial long-term care insurance

What they offer

Coverage type: Hybrid. Known for its MoneyGuard line of hybrid policies, most recently MoneyGuard Fixed Advantage (2025).

Long-term care coverage falls into two families — traditional standalone policies and hybrid (linked-benefit) policies. See types of plans for how they differ.

How Lincoln Financial scores

Our disclosed, weighted methodology scores every carrier on four criteria. Here's the breakdown for Lincoln Financial:

Financial strength

Because a long-term care policy may be held for decades, an insurer's financial strength matters. Lincoln Financial's A.M. Best financial-strength rating is A, affirmed March 13, 2026 (source). A.M. Best downgraded Lincoln National Life from A+ to A in November 2022 (variable-annuity-block balance-sheet pressure). The outlook was revised from negative to stable in February 2025 and the A rating was reaffirmed, stable, in March 2026 — a stabilizing trend, not further deterioration, but worth disclosing. Ratings are typically reaffirmed annually — verify Lincoln Financial's current rating directly with A.M. Best or the carrier before you buy. See how we score carriers for the full methodology.

Visit Lincoln Financial's website

Please note: This profile is general information, not an offer of coverage or an endorsement. Product availability, features, and pricing vary by state, age, and health, and change over time. Confirm Lincoln Financial's current offerings with a licensed agent before making any decision. LongTermCareInsurance411 is not affiliated with Lincoln Financial.