NGL EssentialLTC – Updated COVID-19 Underwriting Guidelines

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Updated COVID-19 Underwriting Guidelines

Based on the evolving COVID-19 situation it has been determined that certain COVID-19 positive individuals may only have to wait one month instead of three or six to apply for coverage. We also eliminated guidelines on negative testing and close contact exposure. The new guidelines focus on COVID-19 positive test results, symptoms and recovery.

Effective immediately, the new underwriting guidelines for COVID-19 are as follows:
Updated NGL COVID-19 Underwriting Guidelines image

These guidelines have been updated in the Premier Underwriting Guide. It will be available tomorrow in Reference Guides under the Sales & Marketing tab on the Agent Resource Center (ARC).

The Premier Underwriting guide is available in the following states – AK, AL, AR, CO, GA, IA, ID, IL, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, NC, NE, NH, NM, NV, OH, OK, OR, PA, RI, SC, TN, TX, UT, VA, VT, WA, WI, WV, WY.
For agent inquiries contact your dedicated NGL Agent Services Team at 888.505.2332 or For sales questions contact the NGL Long-Term Care Sales Team at


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