Updated Massachusetts Medicare Documents The commonwealth (state) of Massachusetts has revised the Massachusetts Medicare documents that must be left with applicants prior to completing the application. Effective May 14, 2021, the following changes are being implemented for Massachusetts Application documents. New Replaces A Massachusetts Consumer’s Guide to Medicare (2021) Massachusetts Bulletin for People with Medicare Guide to Choosing a Medigap Policy (2021) Guide to Health Insurance for People with Medicare (2020) The updated documents will be available on the EssentialLTC Agent Resource Center under the Massachusetts application documents on May 14, 2021. This can be accessed by selecting the
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NGL – EssentialLTC Update
Annual Statements In the coming weeks, we will begin generating yearly statements on the anniversary date of inforce policies. The statement will provide the insured with policy information, coverage information, two privacy statements and a briefing on NGL’s financial strength. If you are the agent of record on a policy when the statement is generated, then you will receive a copy for your records. EssentialLTC Product Introduction Guide Looking for an overview of the features and benefits that EssentialLTC can provide your clients? The EssentialLTC Product Introduction Guide provides all of this in one place. It gives a breakdown
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NGL solidifies its commitment to Long Term Care insurance and gaining additional market share
With it’s recent upgrade to A (Excellent) from AM Best, National Guardian Life Insurance Company (NGL) is looking toward the future and solidifying its commitment to the Long Term Care insurance (LTCi) industry with its EssentialLTC long term care product. NGL believes that its diverse product mix, and history of financial strength and stability make it a go-to-choice for LTCi that customers can personalize within their budget. “As we look to the future, NGL is committed to further its expansion of our distribution into the long term care marketplace. NGL’s upgraded A (Excellent) rating from AM Best means we can
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NGL EssentialLTC StrateCision Update
EssentialLTC Update EssentialLTC in StrateCision The enhanced version of EssentialLTC has been approved for use in StrateCision’s programs. VitalLTC updates coming soon We are still testing the VitalLTC updates. You will be notified when the updates are complete. 1035 Exchange Flyer Don’t forget that you can fund EssentialLTC by a tax-free 1035 Exchange. Click here to download the 1035 Exchange Flyer. It gives you valuable background information on 1035 Exchanges, reasons for doing them and it shows how NGL’s EssentialLTC can be funded with a 1035 Exchange. You can also reference the Agent Guide for a full breakdown
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NGL – Washington State Long Term Care Trust Act
Washington State Long Term Care Trust Act NGL would like to address the Washington State Long Term Care Trust Act and timing for application processing. The most recent date determined by the Washington legislature to meet the “opt out” provision by obtaining a private LTCi policy is November 1, 2021. There is a high probability that all LTCi carriers will see a large increase in applications from now until the fall. In order to process new business and offer an underwriting decision in a timely manner, we are suggesting any applications for applicants trying to meet the November 1 deadline
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EssentialLTC – Underwriting Guide Update
Underwriting Guide Update As part of the recent product enhancements that took place on April 1, 2021 in 38 states, we have released an updated Underwriting Guide dated 03.21. The new guide reflects the new Premier rate class structure, has added items based on your feedback and has more conditions listed in greater detail. The guidelines in the updated guide are applicable to applications in all states, regardless of which version of EssentialLTC they use. Some notable updates include: Guidelines for a family history of dementia More details for elevated blood pressure More details
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Updated EssentialLTC Materials
Updated EssentialLTC Materials Keep yourself up to date with all that NGL EssentialLTC has to offer with updated training materials on the Agent Resource Center. Each item is designed to help you share the benefit of this invaluable product with your clients! Here are the updated pieces: Agent Guide LTCi for Almost Any Business Premier Underwriting Guide Product Comparison Product Features and Sales Ideas Production Introduction Guide Product Summary Sales Guide State Variation Listing Worksite Process and Resources 1035 Exchange Flyer NGL is committed to the LTCi market and will continue to bring you updated training materials and consumer pieces.
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Important EssentialLTC update
Important Consumer Brochure update We are currently reworking our EssentialLTC Consumer Brochure to reflect the April 1, 2021 product enhancements. Effective on April 1 in the states listed below, please do not distribute the current version of the brochure as it will no longer be in compliance. A new version of the brochure will be made available on the Agent Resource Center in the coming weeks. You will be notified of this in a follow up communication. States affected by product enhancements: AK, AL, AR, CO, GA, IA, ID, IL, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS,
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Industry News, Long-Term Care, and National Guardian Life.
consumer brochure, Emerging Markets, Emerging Markets Sales Team, EssentialLTC, insurance, Long-Term Care, long-term care insurance, LTC, LTCi, National Guardian Life, National Guardian Life Insurance Company, NGL, point of sale, point of sales brochure, Sales Team, Sequoia Certificate, and Sequoia Certificates.
consumer brochure, Emerging Markets, Emerging Markets Sales Team, EssentialLTC, insurance, Long-Term Care, long-term care insurance, LTC, LTCi, National Guardian Life, National Guardian Life Insurance Company, NGL, point of sale, point of sales brochure, Sales Team, Sequoia Certificate, and Sequoia Certificates.
NGL – LTC Administrative Office closed April 2
LTC Administrative Office closed April 2 The LTC Administrative Office will be closed Friday, April 2, 2021 in observance of Good Friday. Regular business hours will resume on Monday, April 5, 2021. Please contact your dedicated Long Term Care Sales Team at LTC@nglic.com with questions. Thank you. NGL – LTC Administrative Office closed April 2 #goldencareagent #ngl #longtermcare
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NGL rating upgraded to A (Excellent) by AM Best
NGL rating upgraded to A (Excellent) by AM Best We are excited to announce AM Best has upgraded our Financial Strength Rating to A (Excellent) from A- (Excellent)! 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. “Last year NGL finished with capital and surplus reaching historic records. Our strong financial position is the result of generations of employees consistently doing what is right and always putting our policyholders first. This rating both confirms our strength and stability, and gives
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