Planning Tips and Carrier News for Advisors 

NGL News- Rate Comparison and Updates in DC

Posted by LTCI Partners | Aug 26, 2020 10:28:11 AM
Rate comparison of EssentialLTC to a competitor

We compared National Guardian Life Insurance Company's (NGL) Long Term Care insurance product, EssentialLTC, to a competitor's product using their recent publicly filed rates as of September 1, 2020.

NGL is focused on being the carrier of choice in the Long Term Care Insurance brokerage market.

Click here to review the rate comparison flyer and call us at 888.505.2332 if you have questions or want to learn more.

Employer Group rate class replaces Employer Group premium discount in District of Columbia

Effective September 25, 2020 the EssentialLTC Employer Group rate class, which is priced on a unisex basis, will replace the Employer Group premium discount in the District of Columbia. 

The Employer Group rate class is a unisex rate class, which means that individuals, regardless of gender, who are nearest the same age would pay the same premium for the same plan design. Joint applicants will pay the same Employer Group rate class premium based upon the nearest age of the older of the two joint applicants. 

Click here to read more.
Updated marketing materials

We have a few more marketing materials that are rebranded and ready for you to use.
  • Sales Guide - Highlights product features with case studies demonstrating when and how each feature can be used. 
  • Worksite Process and Resources and LTCi for Almost Any Business - These two flyers demonstrate how the EssentialLTC worksite was designed to offer a streamlined group approval process for businesses. These flyers can also be customized to include your logo and contact information. 
All EssentialLTC long term care insurance marketing materials are available to view and download from the Agent Resource Center

Click here to login and view the updated materials. 

Only 6 days left of the Dog Days of Summer Production Contest!

Please note: Due to delays with the mail service, we are now emailing gift cards. 

July 6 through August 31 earn a $100 Amazon gift card for each qualified application submitted. First-time producers earn double for their first application!

Promotion details

  1. Each qualified application submitted between 07/06/2020 and 08/31/2020 will earn the writing producer a $100 Amazon gift card.
  2. Producers who write their first ever National Guardian Life Insurance Company (NGL) EssentialLTC application will earn two $100 Amazon gift cards for that application. Each subsequent qualified application submitted will earn $100 Amazon gift card.
  3. Applications must be received at the LTC Administrative Office by mail, E-APP, or eUpload within the 07/06/2020 - 08/31/2020 time period.

Gift cards will be emailed weekly for the remainder of the contest.

BGAs - If there is any issue with NGL providing your writing producer(s) a gift card directly, please let us know immediately by responding to

Joint applications count as one application. Credit will only be given to the writing producer. Credit will only be given for applicants who do not already have an EssentialLTC policy. Clearly uninsurable applications will not be counted. 

Please contact your dedicated Long Term Care Insurance Sales Team at with questions. Thank you!

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: NGL-EssentialLTC

Written by LTCI Partners

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