We know selling long-term care coverage can be hard. That’s why we’re excited to introduce HonestLTC — NGL’s new traditional long-term care product that pairs consumer-friendly enhancements with the unique features we’re known for, all without price shock. It’s straightforward and affordable LTC protection with nothing to hide.
HonestLTC is backed by NGL, a financially stable, midwestern mutual company with over 115 years of insurance experience. It will replace the existing EssentialLTC product beginning Feb. 13, in the following states:
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.
Please note, any application in ClientConnect that has not been fully submitted will be removed from the system and no longer accessible on Feb. 13. EssentialLTC applications may be written on paper or fillable PDFs and must be received in the home office by Feb. 27.
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.
Our commitment to you
NGL is dedicated to leading the LTC insurance market with products that meet your clients’ needs. We are here to help your business grow with outstanding, honest support for you and your customers.
Ready to learn more or discuss specific cases? Contact us today — we’re here to help!
Warmest regards,
The NGL LTC Team
ltc@nglic.com
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.
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