Changes effective September 28, 2018

National Guardian Life Insurance Company (NGL) is pleased to announce that effective September 28, 2018, the EssentialLTC policy will now be available as a partnership policy in the following four states:

Maine	Missouri	North Carolina	Nevada

Applications submitted in these states which are dated September 28, 2018 and after require additional application forms.
The new application forms for each state will be available via the Agent Resource Center on September 28, 2018. The additional forms must be utilized for all applications received September 28, 2018 and after.

Determination of Partnership Eligibility
EssentialLTC policies issued in one of these states will automatically be issued as a partnership policy if the applicant(s) is a resident of the partnership state being applied for, and the following inflation protection requirements are met:

• Issue Age 75 or younger, an inflation protection option must be selected.
• Issue age 76 to 79, no inflation protection required (will be issued as a partnership policy).

Note: Under a joint application, the inflation protection requirement for a Partnership-Qualified policy will be based upon the younger applicant’s issue age.

Partnership information for Existing (Active) policies issued in these states
We are in the process of reviewing state guidelines for the partnership exchanges, with additional information to be provided once the timeline for the exchanges has been identified. In general, any active policies in these states with application dates prior to September 28, 2018 that meet the inflation protection requirements above will be considered for an exchange if the policy issue state and the applicant’s resident state match.

 
EssentialLTC Partnership Policy Available In 4 Additional States September 28
 
#goldencareagent
#ngl