National Guardian Life (“NGL”)


National Guardian Life  Insurance Company (NGL) is proud of our rich, 100-year history of providing high-quality insurance products. We are a successful, independent mutual insurance company because we focus on people. Our longevity reflects our business philosophy – offer superior products and build strong relationships.Read More

Products Offered

Long-Term Care


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The EssentialLTC was designed as a stand-alone long-term care insurance policy with riders that encompass all the benefits of a Combo product. Other forward-thinking features were included, such as Joint Insured Policy, Joint Waiver of Premium, Return of Premium, Limited Pay Policy Design, Level Premium Inflation, Cash Surrender Option (available with Return of Premium), and Age Nearest Pricing. Read More

*Availability & Benefits May Vary by State.  For Agent Use Only — See Carrier Literature for Full Details.

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