---
title: NGL- Updated Underwriting Guide
description: NGL's underwriting guide update.
image: https://www.ltcipartners.com/hubfs/Brokerage/Brokerage%20Logos%20for%20Blogs/NGL%20Logo%20Updated-1.png
---

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- [Consumer Planning Blog](https://www.ltcipartners.com/planning-for-long-term-care-in-america)
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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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Apr 22, 2021 • [LTCI Partners](https://www.ltcipartners.com/carriernews/author/ltci-partners)

## NGL- Updated Underwriting Guide

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

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

|     Underwriting Guide Update   As part of the recent product enhancements that took place on April 1, 2021 in 38 states, we have released an updated Underwriting Guide dated 03.21. The new guide reflects the new Premier rate class structure, has added items based on your feedback and has more conditions listed in greater detail. The guidelines in the updated guide are applicable to applications in all states, regardless of which version of EssentialLTC they use. Some notable updates include:   Guidelines for a family history of dementia     More details for elevated blood pressure     More details for diabetes     More details for osteopenia and osteoporosis       More details for physical therapy     A section for self-reported memory issues   And many more additions based on your feedback! The original version of the Underwriting Guide dated 04.20, with the three-tier rate class structure (Preferred Plus/Preferred/Standard,) is still usable in AZ, CA, CT, DC, DE, FL, HI, IN, ND, NJ and SD. If you have a case where the original  guide does not have enough detail for a certain condition, please refer to the "Premier" version for additional information.  If you are unsure which rate class to illustrate or need any additional information beyond what the two guides provide, please contact our team at 888.505.2332 or at status@ngl-essentialltc.com for any underwriting-related questions. Both versions of the guide are available at the Agent Resource Center in the "Reference Guides" section of the Sales & Marketing tab on the main navigation bar. NGL is committed to bringing further enhancements you and the LTCi marketplace through your feedback. Thank you for your continued business. Please contact your dedicated Long Term Care Sales Team at LTC@nglic.com with questions. Thank you. www.ngl-essentialltc.com   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.    |
| --- |

 

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

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