---
title: NGL Honest LTC Coming to More States
description: National Guardian Life Traditional LTC Plan Honest LTC coming to more states
image: https://www.ltcipartners.com/hubfs/Brokerage/Brokerage%20Logos%20for%20Blogs/NGL%20Logo-1.png
---

## Planning Tips and Carrier News for Advisors

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- [The Advisor's View of Long-Term Care Planning](https://www.ltcipartners.com/blog)
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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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Jun 29, 2026 • [LTCI Partners](https://www.ltcipartners.com/carriernews/author/ltci-partners)

## NGL Honest LTC Coming to More States

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

| HonestLTC Will be available in more states soon! |
| --- |
|  |
| Beginning July 10, HonestLTC will be available in Colorado, Illinois, Massachusetts, Rhode Island and Virginia, which brings our total state coverage up to 39! By adding these states into the mix, you can reach more clients in need of superior long-term care insurance solutions. Please submit any remaining applications in ClientConnect before the evening of July 9. Any application in ClientConnect that has not been fully submitted by will be removed from the system and no longer accessible on July 10. EssentialLTC applications may be written on paper or fillable PDFs and must be received in the home office by July 24. Note, policies in the state of Colorado will utilize unisex rates. Exchange Program To ensure a smooth product transition, NGL will offer a guaranteed exchange from EssentialLTC to HonestLTC. Here’s what you need to know: Exchange eligibility starts with applications dated May 1, 2025, or later in CO, IL, MA, RI and VA. Exchanges are available until Monday, August 10. No new underwriting required — hassle-free! New product premiums will be based on the insured’s age at time of exchange. Reference guides Become an HonestLTC expert by downloading our reference guides. Producer Guide Product Summary Underwriting Guide Consumer Guide       You can also find HonestLTC in AK, AL, AR, AZ, GA, HI, IA, ID, KS, KY, LA, MD, ME, MI, MN, MO, MS, NC, NE, NH, NM, NV, OH, OK, OR, PA, TN, TX, UT, VT, WA, WI, WV, and WY. Have questions about HonestLTC? Don’t hesitate to reach out.     |

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

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