Planning Tips and Carrier News for Advisors 

NGL-LTC Updates, March 2020

Posted by LTCI Partners | Mar 31, 2020 10:09:04 AM

Deleting old E-Applications 

The E-Application system now allows you to delete applications you are no longer working on via the "Your E-APP Summary Reports" section. Additionally, E-Applications entered but not submitted will automatically be deleted after 30 days of inactivity. 

Benefits of using E-APP

  • Work with clients nationwide.
  • Share your screen with clients or use it directly with the client.
  • Efficient application process.
  • Faster processing of business
Click here to submit new business. 

Face-to-face exams for ages 66-79

NGL underwriting guidelines require an in-person exam for long term care insurance that includes cognitive and functional screening. 

Due to the current recommendation for social distancing in many states, this may not be accomplished for some applicants. As a result, we suggest you hold off on submitting new applications for people ages 66-79 in states, counties or cities that are under a stay-at-home order. 
For applicants who are currently in the underwriting process, we will make every effort to complete the scheduled exams. For those applicants who have asked to reschedule to a later date, we will accommodate those requests.
Thank you for your patience as we navigate these uncharted times. 


New Mexico adding application form

Effective March 27, 2020, the state of New Mexico is requiring that the following additional form be left with all EssentialLTC applications taken in the state of New Mexico. 
Form Name New Form# Replaces Action
Notice Regarding COVID-19 NLTC-0101-NM New form Provided to applicants at time of application 

ILTCI Conference 2020

Unfortunately, we won't be able to meet with you at this year's ILTCI Conference, but we'd still like to talk with you. Email us at to set up a video or phone call. 

Contact our Long Term Care Sales Team at with any questions. |


For agent use only. National Guardian Life Insurance Company is not affiliated with The Guardian Life Insurance Company of America a.k.a. The Guardian or Guardian Life.

Topics: National Guardian Life

Written by LTCI Partners

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