National Guardian Life
An innovative reimbursement plan with a third-pool shared benefit and a ten-pay option.
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NGL HonestLTC highlights
- Began selling LTCI in 2016
- A.M. Best: A Moody’s: N/A S&P Global Ratings: N/A Fitch: N/A Comdex: N/A
- Financial strength
- Backed by 100+ year old life insurer
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- Created by a team with experience developing LTCI solutions for other carriers over the years
- Later entry into the market means they benefited from seeing other carrier’s pricing, underwriting experience and lapse assumptions
- Multiple Inflation Options available
- Multiple Benefit Periods available
- Accelerated Payment Options: Ten Pay
- Unique “third-pool” approach to shared benefits for couples
HonestLTC is available in AK, AL, AR, AZ, FA, 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.
The EssentialLTC solutions are still available in CA, CO, CT, DC, DE, FL, IL, IN, MA, MT, ND, NJ, RI, SC, SD, and VA.
Get started with NGL by logging in or by getting appointed.
Additional questions on this solution? Contact our wholesaling team at 800-625-9267, Option 1.
*Ratings current as of 2/13/26
