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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Categories: Industry News and National Guardian Life.

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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Categories: Consumer Marketing Materials and National Guardian Life.

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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Categories: Consumer Marketing Materials and National Guardian Life.

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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Categories: Consumer Marketing Materials and National Guardian Life.

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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Categories: Industry News and National Guardian Life.

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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Categories: Industry News and National Guardian Life.

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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Categories: Industry News and National Guardian Life.

Update to Massachusetts Medicare Documents

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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Categories: Industry News, Long-Term Care, and National Guardian Life.

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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Categories: Industry News, Long-Term Care, and National Guardian Life.

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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Categories: Industry News, Long-Term Care, and National Guardian Life.