---
title: Essential LTC is HERE!
description: National Guardian Life
---

## Planning Tips and Carrier News for Advisors

- [The Advisor's View of Long-Term Care Planning](https://www.ltcipartners.com/blog)
- [Planning Tips and Carrier News for Advisors](https://www.ltcipartners.com/carriernews)
- [Consumer Planning Blog](https://www.ltcipartners.com/planning-for-long-term-care-in-america)
- [Group LTC Benefits Blog](https://www.ltcipartners.com/group-ltc)
- [On-demand webinar library](https://www.gotostage.com/channel/ltcipartners)

- [The Advisor's View of Long-Term Care Planning](https://www.ltcipartners.com/blog)
- [Planning Tips and Carrier News for Advisors](https://www.ltcipartners.com/carriernews)
- [Consumer Planning Blog](https://www.ltcipartners.com/planning-for-long-term-care-in-america)
- [Group LTC Benefits Blog](https://www.ltcipartners.com/group-ltc)
- [On-demand webinar library](https://www.gotostage.com/channel/ltcipartners)

[Jun 29, 2026

### John Hancock in-force rate action for select states

](https://www.ltcipartners.com/carriernews/john-hancock-in-force-rate-action-for-select-states)

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Jul 22, 2016 • [LTCI Partners](https://www.ltcipartners.com/carriernews/author/ltci-partners)

## Essential LTC is HERE!

- [NGL-EssentialLTC](https://www.ltcipartners.com/carriernews/topic/ngl-essentialltc)

- [Tweet](https://twitter.com/share)

|   EssentialLTC has officially launched! National Guardian Life Insurance Company (NGL) is excited to enter the long term care marketplace. NGL analyzed the LTC market’s overall experience and adjustments to provide you with some of the best long term care product features available. **Product highlights:** - Lifetime benefits - Limited pay – single pay/10 pay - Return of premium - 1035 exchange, 10 pay option included **Why join NGL?** - Stable, conservative leadership - Strong, Midwestern values which benefit our partners and policyholders - High-quality products - Financially strong with $3.8 billion in assets Please contact LTCI Partners for more information.  |
| --- |

## Written by [LTCI Partners](https://www.ltcipartners.com/carriernews/author/ltci-partners)

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