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Planning Tips and Carrier News for Advisors

  • The Advisor's View of Long-Term Care Planning
  • Planning Tips and Carrier News for Advisors
  • Consumer Planning Blog
  • Group LTC Benefits Blog
  • On-demand webinar library
  • The Advisor's View of Long-Term Care Planning
  • Planning Tips and Carrier News for Advisors
  • Consumer Planning Blog
  • Group LTC Benefits Blog
  • On-demand webinar library

Apr 28, 2025

John Hancock: In-Force Rate Action to take place in late May 2025

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Oct 9, 2019 • LTCI Partners

EssentialLTC Product Updates 10/9/19

  • NGL-EssentialLTC
  • Tweet
Monthly Modal Premium Factor Reduction
 
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 is changing 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.
 
Release announcement for additional information regarding:
  • Newly revised illustration software
  • Notification to active policyholders
  • Refund of premiums
Release Announcement
 
For agent and broker use only. Not for distribution to the public.
 
Recently Updated Items
 
 
Application for Approval of Employer Group
 
Additional clarity on when a census is required for group approval (only if expected participation is 10+ employees)
 
Group Quote Request Form
 
Additional clarity on how to use the form for quote requests and how to use the form when submitting a census for group approval purposes
 
For agent and broker use only. Not for distribution to the public.
 
New Webinar Recordings Available
 
 
Why LTCi is So Important to a Happy Retirement
with special guest speaker Tom Hegna
 
Do You Wish You Knew Your Client’s LTCi Budget?
with Marc Glickman
 
For agent and broker use only. Not for distribution to the public.
 
Easily Distribute & Share EssentialLTC Updates
 
 
Missed a previous update?  Bookmark our  Updates Page .
 
 
For agent and broker use only. Not for distribution to the public.
 
 
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Product underwritten by National Guardian Life Insurance Company (NGL). National Guardian Life Insurance Company is not affiliated with The Guardian Life Insurance Company of America a.k.a. The Guardian or Guardian Life.
 
For agent and broker use only. Not for distribution to the public.
Policy form series ICC16-NLTC100P. Product not available in all states.
 
 

Written by LTCI Partners

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One of the greatest risks to a confident retirement is healthcare. At LTCI Partners, we provide insurance solutions to help advisors and their clients manage this risk.

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Phone: 800-245-8108

Email: sales@ltcipartners.com

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LTCI Partners, LLC
14546 Brook Hollow Blvd #281
San Antonio TX 78232

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This site is designed for use of licensed financial professionals and not consumers. While we make every effort to maintain the accuracy of information provided on this site, LTCI Partners, LLC does not guarantee the accuracy of information provided on this site. All information should be verified by the licensed agent. LTCI Partners, LLC is a subsidiary of National Financial Partners Corp.

Your privacy is important to us. We have developed a Privacy Policy that covers how we collect, use, disclose, transfer, and store your information. Please take a moment to familiarize yourself with our privacy practices.