Recognizing a need in the Long Term Care Insurance (LTCi) market for a forward-thinking, innovative and stable long term care product, National Guardian Life Insurance Company (NGL) created EssentialLTC - a consumer oriented competitively priced LTCi product. Given that each situation is unique, EssentialLTC offers customizable plan features that appeal to a wide range of clients including:
  • Lifetime Benefits
  • Single Premium Payment Option
  • 10-Year Premium Payment Option
  • Return of Premium
  • Shared Care Benefit
In addition, NGL has an established and thorough underwriting process which results in predictable decisions with an accelerated turnaround.

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