NGL EssentialLTC – Updated COVID-19 Underwriting Guidelines

February 7, 2022 | by | Comments Off on NGL EssentialLTC – Updated COVID-19 Underwriting Guidelines

Updated COVID-19 Underwriting Guidelines Based on the evolving COVID-19 situation it has been determined that certain COVID-19 positive individuals may only have to wait one month instead of three or six to apply for coverage. We also eliminated guidelines on negative testing and close contact exposure. The new guidelines focus on COVID-19 positive test results, symptoms and recovery. Effective immediately, the new underwriting guidelines for COVID-19 are as follows: These guidelines have been updated in the Premier Underwriting Guide. It will be available tomorrow in Reference Guides under the Sales & Marketing tab on the Agent Resource Center (ARC). The
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Categories: Industry News, Long-Term Care, and National Guardian Life.
Tags: Coronavirus, COVID-19, EssentialLTC, field underwriting, insurance, Long-Term Care, long-term care insurance, LTC, LTCi, National Guardian Life, National Guardian Life Insurance Company, NGL, pandemic, underwriting prequalification, underwriting process, Underwriting', and virus.

Reminder, Upcoming Enhanced EssentialLTC Releases

January 24, 2022 | by | Comments Off on Reminder, Upcoming Enhanced EssentialLTC Releases

New Enhanced EssentialLTC Releases As a reminder, the enhanced version of EssentialLTC will be available in the states of DE, HI, ND, NJ and SD beginning February 4, 2022. California will also have a new business rate refresh on the same day. Get your applications in now to use the current EssentialLTC pricing, rates and features. Enhanced EssentialLTC for DE, HI, ND, NJ and SD Features For joint policies, when one insured passes away the premium will now decrease to an amount specified on the illustration and Policy Schedule for each person. The Waiver of Premium Rider for Home and
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Categories: Industry News, Long-Term Care, and National Guardian Life.
Tags: EssentialLTC, insurance, Long-Term Care, long-term care insurance, LTC, LTCi, National Guardian Life, and NGL.

NGL e-Statements on the Agent Resource Center

January 24, 2022 | by | Comments Off on NGL e-Statements on the Agent Resource Center

e-Statements on the Agent Resource Center Beginning January 14, 2022, you can access all of your commission statements online at the Agent Resource Center (ARC)! A new e-Statements tab (pictured below) will be added to the links bar on ARC. Please note, commission statements will be published the day after commission is generated.   e-Statement Notifications Notifications by email will be available when new commissions statements are generated. If you are an appointed agent that would like to receive these notices, select the User Profile option under the Additional Links tab. Then select e-Statement Enrollment (pictured below) and confirm that
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Categories: Industry News, Long-Term Care, and National Guardian Life.
Tags: EssentialLTC, insurance, Long-Term Care, long-term care insurance, LTC, LTCi, National Guardian Life, and NGL.

New Enhanced EssentialLTC Releases

January 10, 2022 | by | Comments Off on New Enhanced EssentialLTC Releases

New Enhanced EssentialLTC Releases Beginning February 4, 2022, the enhanced version of EssentialLTC will be available in the states of DE, HI, ND, NJ and SD! California will also have a new business rate refresh on the same day. Enhanced EssentialLTC for DE, HI, ND, NJ and SD Features For joint policies, when one insured passes away the premium will now decrease to an amount specified on the illustration and Policy Schedule for each person. The Waiver of Premium Rider for Home and Community Care Services is now built into the policy and premium when Comprehensive Coverage is selected. The
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Categories: Industry News, Long-Term Care, and National Guardian Life.
Tags: EssentialLTC, insurance, Long-Term Care, long-term care insurance, LTC, LTCi, National Guardian Life, and NGL.

Choose NGL for your next client

December 20, 2021 | by | Comments Off on Choose NGL for your next client

Choose NGL for your next client With a commitment to the Long Term Care insurance marketplace and the dynamic product offering of EssentialLTC, our consumer-oriented competitively priced product, National Guardian Life Insurance Company (NGL) is the right choice for your next client. By assisting your clients with this decision now, you’re helping to prevent long term care expenses from impacting their family down the road. Click on the items below to see how NGL can support your clients’ needs. How does EssentialLTC compare This easy-to read chart compares the premiums and popular product features of NGL’s NGL EssentialLTC product to
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Categories: Industry News, Long-Term Care, and National Guardian Life.
Tags: EssentialLTC, insurance, Long-Term Care, long-term care insurance, LTC, LTCi, National Guardian Life, and NGL.

NGL Holiday Wishes and Upcoming Office Closure

December 20, 2021 | by | Comments Off on NGL Holiday Wishes and Upcoming Office Closure

  We want to wish everyone a safe and happy holiday season. Thank you for partnering with NGL and making EssentialLTC a key addition to your product portfolio. Please see below for NGL’s EssentialLTC administration’s upcoming holiday office hours. December: Friday, December 24 – Closed Friday, December 31 – Closed Click here to take a look at the 2022 holiday schedule.   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.     #goldencareagent #ngl
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Categories: Industry News, Long-Term Care, and National Guardian Life.
Tags: consumer, consumer flyer, EssentialLTC, insurance, Long-Term Care, long-term care insurance, LTC, LTCi, National Guardian Life, National Guardian Life Insurance Company, NGL, and tax.

NGL EssentialLTC – Updated Tax Summary

December 20, 2021 | by | Comments Off on NGL EssentialLTC – Updated Tax Summary

Updated 2022 Tax Summary The Tax Summary has been updated to include the changes to 2022 cost of living adjustments (COLAs). The flyer is a great way to find out the tax advantages LTCi has for individuals and businesses. This Tax Summary will be available on the Agent Resource Center under Marketing Tools category under the Sales & Marketing tab beginning Friday, December 17, 2021.   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.   View/Download the updated 2022 Tax Summary  
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Categories: Industry News, Long-Term Care, and National Guardian Life.
Tags: consumer, consumer flyer, EssentialLTC, insurance, Long-Term Care, long-term care insurance, LTC, LTCi, National Guardian Life, National Guardian Life Insurance Company, NGL, and tax.

NGL EssentialLTC Videos

December 6, 2021 | by | Comments Off on NGL EssentialLTC Videos

NGL EssentialLTC Videos If you’re looking for training videos for the EssentialLTC product, then we’ve got you covered. The Agent Resource Center (ARC) has videos covering key features of the product and the “how to” of our E-APP and underwriting process. Visit the ARC today to find these videos under the Sales & Marketing tab or click the links below. E-APP and Upload Demo A brief demo on how easy it is to submit a NGL EssentialLTC long term care application electronically using the E-APP or Upload Documents page.   Lifetime Benefit Rider Video This short video highlights the Lifetime
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Categories: Industry News, Long-Term Care, and National Guardian Life.
Tags: EssentialLTC, insurance, Long-Term Care, long-term care insurance, LTC, LTCi, National Guardian Life, National Guardian Life Insurance Company, NGL, point of sale, and Sales Team.

Washington state commissions and upcoming holiday schedule

November 22, 2021 | by | Comments Off on Washington state commissions and upcoming holiday schedule

Washington state commissions Last week’s Washington state update contained an incorrect date range for commission charge backs. Here is the notice with the updated range: As a reminder, there will be full charge back of commissions on any Washington state applications submitted from May 24, 2021 – November 10, 2021 where the premium is not paid for the second year of coverage. We apologize for any confusion this may have caused.   Upcoming holiday office hours Please see below for NGL’s EssentialLTC administration’s upcoming holiday office hours. Thank you for partnering with NGL. We wish you and your family a
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Categories: Industry News, Long-Term Care, and National Guardian Life.
Tags: EssentialLTC, happy holidays, holiday, holiday closing, holiday closure, insurance, Long-Term Care, long-term care insurance, LTC, LTCi, National Guardian Life, NGL, WA Cares Act, WA Cares Fund, WA LTSS Trust Act, WA State, WA Trust Act, Washington, and Washington state.

Washington Update and LTC Awareness Month

November 22, 2021 | by | Comments Off on Washington Update and LTC Awareness Month

Important Washington state update NGL is excited to announce that all sales restrictions in Washington state are eliminated effective immediately! We are able to lift the restrictions due to new business application submission levels returning to normal and our underwriters reaching a decision on 97% of Washington state applications as of November 1, 2021 on business that was submitted since June 1, 2021. As a reminder, there will be full charge back of commissions on any Washington state applications submitted from May 24, 2021 – November 10, 2021 where the premium is not paid into the second year of coverage.
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Categories: Industry News, Long-Term Care, and National Guardian Life.
Tags: EssentialLTC, insurance, Long-Term Care, long-term care insurance, LTC, LTCi, National Guardian Life, NGL, WA Cares Act, WA Cares Fund, WA LTSS Trust Act, WA State, WA Trust Act, Washington, and Washington state.