New – No premium deposit required with applications It’s easier for you to submit EssentialLTC applications. Thanks to your feedback you can now submit mailed paper applications, E-APPs and upload signed paper applications without including a premium deposit. This new feature is available now. Benefits of using E-APP You can work with clients nationwide Share your screen with clients or use it directly with the client Integrates illustration information into the application Time efficient application process Reduces “not in good order” applications Faster processing of business Click here to submit new business. NGL: Announcing LTC Application Updates #goldencareagent #ngl
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NGL launching new LTC sales team
NGL has exciting plans for our long term care product in 2020, including enhancing our technology offerings, building and implementing robust sales and marketing plans and growing the business. New this year we have an experienced NGL team in place who are dedicated to long term care sales and marketing. If you haven’t already heard from them, Joe, Lori or Lawrence will be reaching out to you in the upcoming weeks to learn how we can best offer training and application materials, guides, etc. to make selling NGL’s EssentialLTC long term care product easier for you. Joe has more than
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EssentialLTC Product Updates – November 2019
A NEW WAY to Electronically Sign Applications Effective immediately, agents who have access to their own electronic signature program may use it to submit an EssentialLTC application via the Upload Documents function in the Agent Resource Center at www.ngl-essentialltc.com. Previously, electronic signatures were only accepted if an EssentialLTC application was submitted through the EssentialLTC E-APP process. Detailed Announcement See the detailed announcement for: Specific electronic signature requirements Examples of electronic signatures that will not be accepted Who to call with questions How to Learn More Contact NGL’s Sales Support Team at (888) 505-2332 or status@ngl-essentialLTC.com. #goldencareagent #ngl
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Don’t Forget November is LTC Awareness Month
Use NGL’s Social Media Infographics to create awareness. #goldencareagent #ngl #ltcawareness
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Employer Group Rate Class to be Available in 6 Additional States
In addition to the 38 states that already have the Employer Group rate class (unisex premium rates), 6 additional states will be available effective 11/01/2019: CT, DE, HI, IN, ND, and SD. LTCi for Almost Any Business Available to almost any business with 5+ employees Streamlined group approval process Unisex premium rates for employees and eligible family members* Access to all the EssentialLTC features available in the individual market 10-year/single premium payment, lifetime benefits, return of premium/surrender options, joint pricing, and more Partnership eligible policies available in many states* Low minimum participation requirement 2 to 5 issued employees (varies by
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Monthly Modal Premium Factor Reduced in 5 Additional States
In addition to the 41 states that already have the lower monthly modal premium factor, on 10/11/19 the monthly modal premium factor changed from .095 to .0875 in an additional 5 states: CT, DE, IN, ND, and SD. This will affect new business and active policies retroactive to their effective date with a refund of premiums. See our release announcement for additional information regarding: Newly revised illustration software Notification to active policyholders Refund of premiums Release Announcement How to Learn More Contact NGL’s Sales Support Team at (888) 505-2332 or status@ngl-essentialLTC.com. #goldencareagent #ngl
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The Secret About 10-Year and Single Premium Payments
A Limited-Duration Premium Payment Option May Be Cheaper In The Long Run Limited-Duration Premium Payment Options In addition to a lifetime premium payment duration, EssentialLTC also offers limited duration premium payment options to provide the flexibility to design a policy for many consumers’ financial goals: 10-YEAR PREMIUM This option provides premiums to be paid over a 10-year period, after which no further premiums will be due. Premiums are only subject to change during the 10-year premium payment period. After the 10-year premium payment period, the policy will be fully paid-up, noncancelable, and not subject to rate increases. SINGLE
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EssentialLTC Product Introduction Guide Update
E-APP Enhancements This revamped version of the Product Introduction Guide was designed to provide key information regarding: • NGL’s focus on LTCi • NGL’s history & financials • EssentialLTC’s most popular features It also includes a brief explanation of all features within the EssentialLTC product. Use this as your go-to resource for initial information regarding NGL and EssentialLTC. If you have questions, please call NGL at (888) 505-2332 or email status@ngl-essentialLTC.com. EssentialLTC Product Introduction Guide Update #goldencareagent #ngl
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EssentialLTC E-APP Enhancements
E-APP Enhancements Effective 8/29, the following enhancements were made to the EssentialLTC E-APP: Additional clarity on where to enter the Primary Care Physician’s name and phone number The premium mode selection will only have to be made one time and will carry through to other sections of the E-APP You can now access PDF copies of submitted E-APPS in the Agent Resource Center in YOUR E-APP SUMMARY REPORTS in addition to accessing a PDF copy in the email sent once all required signatures are received More changes to continue to improve our E-APP experience are coming soon! Uploaded Paper Applications
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Endorsement added to Massachusetts Policies
EssentialLTC — Additional Endorsement added to Massachusetts EssentialLTC Policies Effective immediately, an Alternate Plan of Care Endorsement will now be included in all EssentialLTC policies issued in the state of Massachusetts. Additionally, for policyholders who already have an active Massachusetts EssentialLTC policy, a letter including this endorsement will be sent letting the policyholder(s) know their existing EssentialLTC policy now includes this provision and to keep the enclosed copy of the endorsement with their policy. A specimen version of this endorsement will be available on the EssentialLTC Agent Resource Center by selecting “New Business” on the navigation bar, then selecting the
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