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Introducing Essential LTC from National Guardian Life
There's a new LTC Insurance product available in your state- Essential LTC from National Guardian Life, an A- rated insurer with over 100 years in the industry. Essential LTC offers several unique benefits not available with other LTC Insurance Products:

Lifetime Benefits and Limited Pay Plans

Essential LTC offers features that were popular with advisors and clients in the past.  Lifetime benefits offer peace of mind that the benefits will never be exhausted.

Essential LTC also offers Single Pay and 10-pay options - great for 1035 exchanges and executive pay programs.


"Reverse Combo" feature with cash surrender option

Are your clients afraid that they will never use their benefits? They may be interested in a "reverse combo" plan.  It's a single premium LTC policy that allows a policyholder to have the  option of  receiving up to 80% of their premium refunded upon request.

Combined with return of premium upon death feature, Essential LTC becomes a policy that works similarly to a Linked Life/LTC plan - but with lower premiums due to a smaller death benefit.  Clients can even 1035 exchange a life or annuity policy into this plan! (Check with your tax resource for details).

Essential LTC offers a complete sales and reference guide

Check out the complete guide to Essential LTC, describing features such as their joint policy, inflation options, and other plan details.

One tip:  Essential LTC is fully underwritten and is not an impaired risk or sub-standard underwritten product.  Careful underwriting helps keep premiums competitive.

Download the guide here.

Let LTCI Partners do the heavy lifting

Do you like paperwork?  We can help eliminate it. Once you've identified possible clients for LTC Planning or Essential LTC, LTCI Partners is here to help you every step of the way, from assisting on client calls to completing all the applications for you.  It's part of our complete suite of services.

Request an Illustration today!

Interested in a proposal on Essential LTC?  Simply click the Request for Quote button to ask for an illustration and someone will be in touch with you to discuss options.  You can always call us at 877-949-4582 or email us at sales@ltcipartners.com



National Guardian Life Insurance Company is not affiliated with The Guardian Life Insurance Company
of America a.k.a. The Guardian or Guardian Life.

For agent and broker use only. Not for distribution to the public.

Product underwritten by National Guardian Life Insurance Company (NGL).

Policy form series ICC16-NLTC100P. Product not available in all states.


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