The commonwealth (state) of Massachusetts has revised the Medicare documents that must be left with applicants prior to completing the application. Effective April 1, 2022, the following changes are being made for Massachusetts Application documents. New Replaces A Massachusetts Consumer’s Guide to Medicare (2022) A Massachusetts Consumer’s Guide to Medicare (2021) Guide to Choosing a Medigap Policy (2022) Guide to Health Insurance for People with Medicare (2021) The updated documents will be available on the EssentialLTC Agent Resource Center beginning April 1, 2022. These can be found by selecting Massachusetts from the State-Specific Applications and Forms dropdown under the
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ACH payment at delivery option
Beginning April 1, your clients will have the option to pay their first premium required upon delivery of the policy by a one-time ACH transaction on NGL-EssentialLTC.com. This is only for the first premium payment when the LTCi policy is delivered to your client and it will not work for any other type of payment or policy. The payor of a policy can access the payment system by visiting NGL-EssentialLTC.com and selecting the Pay Premium button. After selecting the button, the payor will then be taken to the following screen: Once the policy information is submitted, the payor will be
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Payment options built for your clients
Find the right financial fit for a wide variety of your clients with NGL EssentialLTC’s unique payment options and features. Joint Pricing Structure and Shared Benefit Rider Learn how EssentialLTC helps couples with the Joint Pricing Structure and Shared Benefit Rider. When combined, they give a premium for two insureds that can be comparable to a premium for one individual and a third pool of money if one or both insureds exhaust their benefits. For more details about these two features, download the Joint/Shared Benefit Brochure today. Flexible Payment Options There are several payment term options that can fit
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NGL’s spring production contest starts soon!
Earn extra cash with NGL! Sell EssentialLTC, National Guardian Life Insurance Company’s (NGL) Long Term Care insurance product, to earn extra cash! Starting March 21 you can earn a $100 Amazon gift card for each qualified EssentialLTC application submitted. Promotion details: Each qualified application submitted between 03/21/2022 and 04/30/2022 will earn the writing producer a $100 Amazon gift card. Applications must be received at the LTC Administrative Office by mail, E-APP, or eUpload within the 03/21/2022 – 04/30/2022 time period. Joint applications count as one application. Credit will only be given to the writing producer. Credit will only be given
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NGL EssentialLTC – Important E-APP Update
Important E-APP Update In order to be compliant with recent legislative changes surrounding electronic payments, the option to submit payment through E-APP will be removed after end of the business day on March 17, 2022. The update includes the removal of both one-time ACH and the mail check options for E-APP, and the credit card option for uploading a paper application. Please complete the signatures of your E-APP applications that are requesting an initial payment via one-time ACH by 5 p.m. PST on March 17. Any E-APPs left unsigned after the update will not have the option to submit a
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NGL EssentialLTC Consumer Presentation
NGL EssentialLTC Consumer Presentation Show your clients the importance of Long Term Care insurance (LTCi) with the EssentialLTC Consumer Presentation. The presentation explains to consumers why they should consider LTCi, the cost of long term care and how not having LCTi can impact their family. It uses easy to understand language and visual charts to help your clients make an informed decision about their long term care needs. Visit the Agent Resource Center to download a PDF a copy under Consumer Materials. Available for use in the following states: AK, AL, AR, CO, GA, IA, ID, IL, KS, KY, LA,
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Consumer Marketing Materials and National Guardian Life.
EssentialLTC, Lifetime Benefit, Lifetime Benefit Rider, Long-Term Care, long-term care insurance, LTC, LTCi, National Guardian Life, National Guardian Life Insurance Company, NGL, Shared Benefit, Shared Benefit Amount Rider, and Shared Benefit Rider.
EssentialLTC, Lifetime Benefit, Lifetime Benefit Rider, Long-Term Care, long-term care insurance, LTC, LTCi, National Guardian Life, National Guardian Life Insurance Company, NGL, Shared Benefit, Shared Benefit Amount Rider, and Shared Benefit Rider.
NGL EssentialLTC – Two of our favorite features
Two of our favorite features Lifetime Benefit Period Extension Rider If your clients are concerned about a long claim duration, lifetime benefits could be appealing. The Lifetime Benefit Period Extension Rider can provide benefits that will continue for the remainder of the insured’s life while on a claim. Lifetime Benefit Rider Video Shared Benefit Amount Rider Couples who ask about potentially running out of benefits, could find the Shared Benefit Amount Rider to be a cost-effective solution to provide additional coverage. With the Shared Benefit Amount Rider, if either or both insureds exhaust their own Benefit Amount, a joint Shared
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Consumer Marketing Materials and National Guardian Life.
EssentialLTC, Lifetime Benefit, Lifetime Benefit Rider, Long-Term Care, long-term care insurance, LTC, LTCi, National Guardian Life, National Guardian Life Insurance Company, NGL, Shared Benefit, Shared Benefit Amount Rider, and Shared Benefit Rider.
EssentialLTC, Lifetime Benefit, Lifetime Benefit Rider, Long-Term Care, long-term care insurance, LTC, LTCi, National Guardian Life, National Guardian Life Insurance Company, NGL, Shared Benefit, Shared Benefit Amount Rider, and Shared Benefit Rider.
NGL EssentialLTC for Employers
NGL EssentialLTC for Employers NGL EssentialLTC is designed for not only individuals looking for Long Term Care insurance, but for employers as well. If you have a business intent on finding more opportunities to reward, retain and recruit existing and new talent, LTCi benefits go a long way towards achieving that goal. NGL has the right program and tools you need to succeed in integrating the unique benefits of EssentialLTC to prospective employer groups. LTCi for Almost Any Business — Learn about EssentialLTC’s program for the worksite and how it competitively compares. For agent use only. Employer Brochure — Show
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California Consumer Materials
California Consumer Materials There are now consumer materials that are approved for use in the state of California! These materials are designed to make explaining the benefits of National Guardian Life Insurance Company’s (NGL) EssentialLTC to your clients easier. Beginning February 11, these materials for use in California only, will be available under the consumer section of the Sales and Marketing tab on the Agent Resource Center (ARC) or by clicking the links below to download. Consumer Brochure Consumer Presentation Consumer Flyer Employer Brochure The Claims Flyer and Consumer Underwriting Flyer are also available for consumer use as
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NGL EssentialLTC – Revised Tax Summary
Revised Tax Summary The Tax Summary has been revised with more specific language around the summary of the income tax treatment for TQ LTCi policies for 2022. The summary dated 01/22 will be available tomorrow in Marketing Tools under the Sales & Marketing tab on the ARC. Or click here to download a PDF copy. Please begin using the new version of the Tax Summary dated 01/22 immediately as older versions are no longer in compliance. For agent inquiries contact your dedicated NGL Agent Services Team at 888.505.2332 or status@ngl-essentialltc.com. For sales questions contact the NGL Long-Term Care Sales
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