Did you know that EssentialLTC  offers additional riders that make the product mimic all the benefits of a combo product, but provides better long term care benefits and lower premiums? It’s also one of the few products on the market to offer: • Lifetime Benefits • Single Pay • 10 Pay • Competitive Rates • Special Joint Pricing • Inflation Protection • Return of Premium • Surrender Values • Executive Carve Out • 1035 Capable   #goldencareagent #NGL
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Effective January 1, 2017, a secondary addressee form (the Secondary Addressee form – 3333) will be added to Rhode Island application kits and will be available from the Supplies section of the MyNGLIC.com agent website. The addition of this form will help you stay compliant with the state requirement to offer clients the right to a secondary addressee— to designate an additional person to receive notification of possible lapses or cancellation in coverage. Please contact NGL Life Product Support at 800-762-9883 or lifeproductsupport@nglic.com with questions. Thank you. Secondary Addressee form – 3333 #goldencareagent #NGL
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It is that time of year when everyone begins to think about tax forms. Please see the following friendly reminders about tax form 1099-MISC, the form used to report miscellaneous income. The 1099-Misc: Is issued to producers with net earnings of $600 or more; It is used to report miscellaneous income, such as income earned as a non-employee, as well as fees, commissions, rents, or royalties paid during the last tax year; May report payments for prizes, awards, legal services, and other non-employee activities. 1099M’s are sent as the same time as the 1099-R’s and 1099-I’s — by January 31,
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Happiest of wishes to you and your family this holiday season! Please see the December 2016 and January 2017 holiday business hours below. Note the year-end cut off time is 5 p.m. on Thursday, December 29. Applications processed after 5 p.m. on the 29th will count for 2017. Happy holidays and thank you for being part of the NGL family! December Thursday, December 22 – Normal business hours Friday, December 23 – Offices closed Monday, December 26 – Offices closed Thursday, December 29 – Closing at 5 p.m. CST,   *2016 Year-end cut off Friday, December 30 – Offices closing at
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*Reminder* Effective January 1, 2017, Maryland agents are required to submit the Model Replacement form when a client indicates on their application that they have existing insurance coverage, even when they do not intend to replace their existing coverage. Beginning January 1, 2017, policy issuance will be delayed if a client indicates they have existing coverage and the form is not included with the submitted paperwork. This form requirement is going into effect to be compliant with the State of Maryland’s Model Replacement rule. The required Model Replacement form is: Currently included in Maryland application kits, and Available to download
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National Guardian Life Insurance Company (NGL) is pleased to announce the availability of their new long-term care insurance plan, EssentialLTC, in additional states. Watch for additional announcements as more states approve the new EssentialLTC product.   #goldencareagent #NGL
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