---
title: Thought Unlimited LTC Didn't Exist?
description: National Guardian Life
image: https://www.ltcipartners.com/hubfs/Brokerage/Brokerage%20Logos%20for%20Blogs/NGL%20Logo%20Updated-1.png
---

## Planning Tips and Carrier News for Advisors

- [The Advisor's View of Long-Term Care Planning](https://www.ltcipartners.com/blog)
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- [The Advisor's View of Long-Term Care Planning](https://www.ltcipartners.com/blog)
- [Planning Tips and Carrier News for Advisors](https://www.ltcipartners.com/carriernews)
- [Consumer Planning Blog](https://www.ltcipartners.com/planning-for-long-term-care-in-america)
- [Group LTC Benefits Blog](https://www.ltcipartners.com/group-ltc)
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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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Mar 1, 2022 • [LTCI Partners](https://www.ltcipartners.com/carriernews/author/ltci-partners)

## Thought Unlimited LTC Didn't Exist?

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

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

| Learn about NGL's "sweet spot" benefits: Lifetime benefit period and 3rd pool of money for couples     Two of our favorite features NGL EssentialLTC offers many great benefits and features that sets it aside from most LTCi products. Two of our favorite features are the Lifetime Benefit Period Extension and Shared Benefit Amount Riders. Lifetime Benefit Period Extension Rider   Lifetime Benefit Rider video If your clients are concerned about a long claim duration, lifetime benefits could be appealing. The Lifetime Benefit Period Extension Rider can provide benefits that will continue for the remainder of the insured's life while on a claim.   Shared Benefit Amount Rider   Shared Benefit Amount Video Couples who ask about potentially running out of benefits, could find the Shared Benefit Amount Rider to be a cost-effective solution to provide additional coverage. With the Shared Benefit Amount Rider, if either or both insureds exhaust their own Benefit Amount, a joint Shared Benefit amount will become accessible to either of both insureds. These and other riders can be found in the Sales Guide on the Agent Resource Center under Reference Guides in the Sales & Marketing dropdown. Consider NGL EssentialLTC for your next sale! 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 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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