---
title: NGL Product Update Reminder in AZ, CT, FL, IN & DC
description: AZ, CT, FL, IN & DC are now using the enhanced version of EssentialLTC.
image: https://www.ltcipartners.com/hubfs/Brokerage/Brokerage%20Logos%20for%20Blogs/NGL%20Blog%20Logo.png
---

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[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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Sep 6, 2022 • [LTCI Partners](https://www.ltcipartners.com/carriernews/author/ltci-partners)

## NGL Product Update Reminder in AZ, CT, FL, IN & DC

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| Enhanced EssentialLTC Reminder As a reminder, the states of AZ, CT, FL, IN and the District of Columbia now use the Enhanced version of EssentialLTC. Features For joint policies, when one insured passes away the premium will now decrease to an amount specified on the illustration and Policy Schedule for each person. The Waiver of Premium Rider for Home and Community Care Services is now built into the policy and premium when Comprehensive Coverage is selected. The 10-Year Premium Payment Option is now fully guaranteed and will never be subject to a rate increase. Florida now has a 10-Year payment option!* The underwriting rate classes will be consolidated into a single gender-distinct rate class called "Premier". It is a simplified competitive offering with clearer underwriting expectations. The Employer Group rate class will still be available to approved employer groups in the states where it is available. The 5% employer group discount for Arizona and Florida is being replaced by the Employer Group rate class. *Florida does not have a Single-Pay option​​​​​​ Streamlined Rider Selection  Removed: The Step-Rated Compound Inflation Protection Rider Still Available: The Compound Inflation Protection Rider with 3% and 5% options Removed: The Full Return of Premium Rider Still Available: The Limited Return of Premium Rider Removed: The Full Return of Premium with Optional Policy Surrender Rider Still Available: The Limited Return of Premium with Optional Policy Surrender Rider Removed: The 0-Day Elimination Period Still Available: The 30, 90 and 180-Day Elimination Periods and the First Day HCCS Benefit Rider All available riders can be found in our EssentialLTC Product Summary. For agent inquiries contact your dedicated Agent Services Team at 888.505.2332 or status@ngl-essentialltc.com. For sales questions contact the Long Term Care Sales Team at LTC@nglic.com. Thank you. www.ngl-essentialltc.com Follow on Facebook    Follow on LinkedIn    Follow on Instagram For agent use only. Product underwritten by National Guardian Life Insurance Company (NGL), Madison, Wis. National Guardian Life Insurance Company is not affiliated with The Guardian Life Insurance Company of America a.k.a. The Guardian or Guardian Life.​​​​​​ |
| --- |

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

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