New enhancements to help you qualify! Double credit on placed Ten Pay Premium LTC To help increase your chances to qualify for NGL’s Producer Circle, you will automatically receive double credit on placed Ten Pay Premium LTC from 08/01/2022 – 12/29/2022. Earn a $1,000 Amazon gift card The producer who places the largest aggregate premium of Ten Pay LTC from 08/01/2022 – 11/30/2022 will earn a $1,000 Amazon gift card. NGL’s Producer Circle Requirements Producer’s personal production only will be applied toward contest total. Only long term care production will be credited. Single premium payment options will be credited
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Update to the Premier Underwriting Guide
Update to the Premier Underwriting Guide At NGL, we adapt our LTCi underwriting practices as medical science continues to evolve and more information becomes available. We have identified scenarios where it may be acceptable for an applicant to have two first-degree relatives with dementia. It is now recommending that you prequalify these scenarios with the type of dementia, the age of onset of symptoms and the age of diagnosis. Some scenarios may be acceptable and others will not, depending on the details. We have updated our Premier Underwriting Guide to reflect this.
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We want to reward you for a job well done!
Introducing NGL’s Producer Circle To reward you for your hard work and accomplishments in 2022, we’re inviting you to join all of NGL’s top producers for our Producer Circle trip in 2023! What is NGL’s Producer Circle? The top 10 producing agents who sell NGL’s EssentialLTC will earn a trip to a warm, sunny location with free airfare and hotel for themselves and a guest. The trip will be held at a luxury resort where you’ll have the chance to participate in unique activities, dine at high-end restaurants and relax on a beautiful beach. We can’t wait for you to
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EssentialLTC E-APP Update & Juneteenth Office Closing
E-APP User Guide Beginning June 17, you now have the option of completing the agent statement and new business transmittal before the client portion of the E-APP. This step, which used to be contained in Step 2, will be moved into its own Pre-Step. This step can be completed at any time before moving on to Step 3. Click here to download the E-APP User Guide for more information. Office Closed Monday, June 20 In observance of Juneteenth, NGL’s EssentialLTC administration office will be closed on Monday, June 20, 2022. Regular business hours will resume on Tuesday, June 21.
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NGL EssentlLTC – A (Excellent) Rating Reaffirmed By AM Best
A Rating Reaffirmed By AM Best We are excited to announce AM Best has reaffirmed NGL’s A (Excellent) rating! This rating reflects the excellent ability of National Guardian Life Insurance Company (NGL) to meet its ongoing insurance policy and contract obligations and further attests to its financial strength. “2021 was a pivotal year in NGL’s history. Throughout the year, NGL sold past acquisitions, as well as a variety of older blocks of acquired life insurance policies. These sales raised meaningful capital and helped NGL reach levels of capital that give it unprecedented strength in its 113-year history,” said Knut Olson,
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Reasons to use a 1035 Exchange
Reasons to use a 1035 Exchange Is your client looking to fund a long term care insurance (LTCi) policy but not sure how to do it? They may already have the funds and not know it! Using a 1035 Exchange allows your clients to exchange surrender value (principal and tax-deferred gains) of a life insurance or annuity contract for a LTCi policy. A new LTCi policy could be a better fit for your client’s current and future needs more than an existing life or annuity contract they may have. Download our 1035 Exchange Flyer to learn more. 1035 Exchange Flyer
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NGL’s 2021 Annual Report
NGL’s 2021 Annual Report The NGL 2021 Annual Report is here! It includes a message from Knut Olson, President and CEO, on NGL’s accomplishments during the last year and what plans we have for the future. It also highlights our excellent financial strength and our home office transformation. Download a copy of the report and the updated Financial Strength flyer today. Annual Report Financial Strength For agent inquires contact your dedicated NGL Agent Services Team at 888.505.2332 or status@ngl-essentialltc.com. For sales questions contact the Long Term Care Sales Team at LTC@nglic.com. NGL’s 2021 Annual Report #goldencareagent
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Updated Premier Underwriting Guide
Updated Premier Underwriting Guide We have updated our Premier Underwriting Guide to include more information on Major Depression. The updated guide is now available on the Agent Resource Center under Reference Guides in the Sales & Marketing tab. Click below to download a PDF copy of the Premier Underwriting Guide and the Major Depression, Anxiety, and Long Term Care Underwriting flyer. Please note, the Premier Underwriting Guide is available for use in the following states: AK, AL, AR, CO, DE, GA, HI, IA, ID, IL, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, NC, ND, NE, NH, NJ,
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EssentialLTC E-APP User Guide
E-APP User Guide If you’re a first-time user or want to brush up on your skills, the E-APP User Guide is an easy way to become an expert on the easy to use application tool. It will take you through how to register, locate and use the E-APP. Give yourself an error-free experience by trying NGL’s E-APP today. Find this guide and many more on the Agent Resource Center. #goldencareagent #ngl #longtermcare
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Modified Underwriting Guidelines for Major Depression and Family History
Modified Underwriting Guidelines for Major Depression and Family History Just because your client has anxiety and/or depression does not mean they are ineligible for Long Term Care insurance. Each case will be considered based on the documented medical information including prescription history. Given the extent that we have seen Major Depression rise in our review of medical records, we are changing the way we approach our final decision. Before a case is declined for any psychiatric reason, the case will be reviewed by an underwriting committee. Each case will be evaluated on the available information. Review the new Major Depression,
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