Washington State backdating clarification To clarify the last communication’s statement concerning backdating, any Washington State application received between November 1, 2021 and November 30, 2021, will not have the option to backdate. Washington State applications received on or after December 1, 2021, will once again have the option to backdate. We apologize for any confusion this may have caused. 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 Team at LTC@nglic.com. Washington State backdating clarification #goldencareagent #ngl
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Washington State New Business
Washington State New Business Beginning November 1, 2021, NGL will begin accepting new applications from Washington State. Due to the demand for LTC planning the Washington Cares Fund continues to generate, NGL has made the decision to place the following temporary minimums on all new Washington State applications: $3,000 annual lifetime premium – Modal equivalents – $1,560 semiannual, $810 quarterly, $263 monthly $6,000 annual 10-Year premium – Modal equivalents – $3,120 semiannual, $1,620 quarterly, $525 monthly $30,000 single premium Joint applications are subject to these minimums per application, not per applicant. Applications that do not meet the minimums listed above
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The Consumer Claims Flyer is Here!
The Consumer Claims Flyer is Here! You’ve asked for the Consumer Claims Flyer, it and now it’s here! This step-by-step flyer is a great tool to help you explain the NGL EssentialLTC claims process to your clients. It lays out eligibility for claims and the steps your clients can expect when filing for benefits. It will be available on the Agent Resource Center in the Consumer Approved Materials dropdown under the Sales & Marketing tab beginning Friday, October 29, 2021. We look forward to bringing you new materials like the Consumer Claims Flyer to help increase your business in the
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NGL EssentialLTC Underwriting Form and Flyer
Underwriting Prequalification Form Set yourself up for successful field underwriting using NGL’s Underwriting Prequalification Form. It is a great tool to gather a snapshot of your client’s health history that you can have reviewed by an underwriter. It will help give you an idea of whether or not NGL will be a good fit for this applicant from an underwriting perspective. Once your client applies, use the Consumer Underwriting Flyer to educate them on the underwriting process. It’s a great tool to show your clients “what’s next” once their application is submitted, and it helps them gather the information they’ll
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Industry News, Long-Term Care, and National Guardian Life.
EssentialLTC, field underwriting, health prequalification, health prescreen, insurance, Long-Term Care, long-term care insurance, LTC, LTCi, National Guardian Life, National Guardian Life Insurance Company, NGL, prequalification, prescreen, underwriting prequalification, and underwriting process.
EssentialLTC, field underwriting, health prequalification, health prescreen, insurance, Long-Term Care, long-term care insurance, LTC, LTCi, National Guardian Life, National Guardian Life Insurance Company, NGL, prequalification, prescreen, underwriting prequalification, and underwriting process.
NGL EssentialLTC – Washington State underwriting update
Washington State Underwriting Update We have now completed the underwriting for over two-thirds of the Washington State business that has been submitted. The remaining applications require obtaining necessary sets of medical records to reach an underwriting decision. There are a small number of cases that have not yet completed telephone interviews or an age required LTC Exam. We do expect all of those to be done within the next two weeks. To facilitate the release of medical records, our vendor has been offering electronic transmission options as a time saver to the larger medical care providers. We have established an
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NGL EssentialLTC – New E-APP Unlock Feature
New E-APP Unlock Feature Beginning Friday, October 1, 2021, you will have the ability to unlock an E-APP without having to contact our LTC Administrative Office! The E-APP will become locked when the it enters the DocuSign® signature process. If during the signature process it is necessary to remove the application from the signature process, unlocking the application allows the signature process to terminate, making the E-APP steps 1 to 4 available again. Follow these steps if you need to adjust application information once the E-SIGN process has started. E-SIGN Confirm Contact Information nce contact information is entered in
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Revised Pre-Authorized Premium Paying Service forms
Revised Pre-Authorized Premium Paying Service forms The “Pre-Authorized Check (PAC) Premium Payment Service forms used to request ongoing PAC premium payments for the EssentialLTC Product have been revised effective October 1, 2021. There are two versions of this PAC form, which vary by state. Form Name: New Form Number: Replaced Form Number: Form utilized in: Pre-Authorized Check (PAC) Premium Payment Service ICC16-NLTCAPA 09/21 ICC16-NLTCAPA Compact Approved 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,
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NGL EssentialLTC – Underwriting Update
Washington State Underwriting Update We are pleased to announce that we are making good progress with Washington State applications. All cases submitted in good order are under review or actively being underwritten with completed prescription drug check reports and medical records on order. Telephone interviews Due to the volume of applications received our normal timing of telephone interviews is delayed. Please be assured that all interviews will take place in an orderly fashion. The applications received in the last two weeks of accepting Washington State business are experiencing the most delays. We ask for your patience in those cases. When
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NGL EssentialLTC – Underwriting Update
Underwriting Update Since the Washington Cares Fund has generated a large influx of LTC business, we wanted to provide you with an update on our processing times and expectations. Normally, most cases have an underwriting decision reached within 45 to 60 days. Due to the increase of Washington State applications, you may instead see underwriting decisions take 55 to 70 days. There are some underwriting decisions that may exceed the 70-day timeframe because of factors beyond our control, such as difficulty obtaining medical records, or in rare instances, applicants who are unwilling to conduct an interview. With these types of
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What YOU Wanted to Hear About NGL’s Underwriting
Find out what NGL’s underwriting is all about Join our Chief Underwriter, Paul Weber on Wednesday, October 13, 2021, at 12 p.m. CST for an hour long session to go over National Guardian Life Insurance Company’s (NGL) overall underwriting philosophy, our ideal applicant and we’ll discuss all that YOU told us you wanted to hear. The topics we’ll be covering were either compiled from surveys or were a direct result of conversation with the field. Click here to register. Our goal is transparency — we want to be sure you know what to expect when you submit an NGL LTCi
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