Honestly, we can’t wait for tomorrow!

We are thrilled that tomorrow, HonestLTC will be launching in the states listed below!:

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.

Quick Quoting
Click here to visit NGL’s improved Quick Quote site. You don’t need a user ID or password to use the site, simply enter your clients’ age and generate an easy-to-understand quote.

EssentialLTC Applications
ClientConnect will update to our new product HonestLTC in the above states as well. Any EssentialLTC application in ClientConnect that has not been fully submitted today will be removed from the system and no longer accessible tomorrow.

EssentialLTC applications written on paper or fillable PDFs must be dated on or before Feb. 12, 2026 and received in the home office prior to Feb. 27, 2026. Any EssentialLTC applications received after this date will not be processed.

Exchange Program

To ensure a smooth 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 the states listed previously.
Exchanges are available until Tuesday April 14, 2026.
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. Be on the lookout for more guides as they become available.