NGL Welcomes Michael Simenstad as Regional Vice President

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Michael Simenstad joins NGL as Regional Vice President, Individual Products

National Guardian Life Insurance Company (NGL) is pleased to announce Michael Simenstad has joined the company as Regional Vice President, Individual Products. With three decades of experience as a territory manager and financial services wholesaler, Simenstad is passionate about creating awareness for the value of Long Term Care insurance and creating authentic relationships.

In his new role at NGL, Simenstad will focus on maintaining and developing strategic partnerships with current and potential Long Term Care (LTC) marketing organizations and agents. As a member on the Individual Products team, he will work with Joe Guyotte, National Sales Manager, Long Term Care on implementing marketing plans designed for sales and revenue growth.

“We are excited to welcome Michael to our team. His deep roots in Long Term Care insurance span 30 years and includes key roles within some of the most respected organizations in the LTC industry. His depth of experience, long standing relationships and tenacity to achieve goals will assist us as we work toward achieving our vision of being a top insurance carrier in the Long Term Care marketplace,” said Guyotte.

Prior to joining NGL, Simenstad was a Sales Consultant with LTCI Partners where he partnered with financial advisors and insurance agents to integrate LTC planning into their practice. He was also a wholesaler for multiple companies selling Long Term Care insurance. During his tenure at New York Life Insurance Company, he had #1 national rank in life hybrid product sales in 2017 and #1 national rank in annuity product sales in 2013.

“NGL has proven its commitment to the LTC market. It is poised to be a leader in offering exceptional LTC solutions to consumers and a streamlined, user-friendly business platform for agents and advisors,” said Simenstad. “LTC planning is incredibly important and I’m excited to be part of a team that has a ‘client-first’ mentality, as well as dedicated to provide an ideal sales process for producers.”

NGL’s Long Term Care insurance product is designed with consumers in mind by offering key features such as lifetime benefits, joint policies and premiums, a Shared Benefit Amount Rider with third pool of benefits, comprehensive benefit period options, 1035 Exchange eligibility, and riders that feature return of premium.

Simenstad utilizes his personal caregiving knowledge to help others understand the financial and emotional benefits families experience when a long term care plan is in place. Like many people who become caregivers for loved ones, he wasn’t prepared for or trained how being the primary caregiver for his grandmother, largely due to being close in proximity, would impact his relationship with her or the toll it would have on his personal life. “Primary caregivers have a lot of responsibilities and having a long term care plan in place helps manage the situation and make it easier to navigate the day-to-day challenges,” said Simenstad.

He earned a bachelor’s degree in journalism from University of Arizona. He also holds a FINRA Series 6, 63 Life and Health Producer License.

Simenstad lives in south New Jersey with his wife and son and daughter. His interests include his children’s baseball and softball careers, following sports teams and traveling.

For agent inquires contact your dedicated NGL Agent Services Team at 888.505.2332 or For sales questions contact the Long Term Care Sales Team at

Michael Simenstad joins NGL as Regional Vice President, Individual Products

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