NGL Long Term Care Sales
We are now appointed to offer NGL Long Term Care Sales contracting. National Guardian Life now offers a long term care policy in a number of states. They will be expanding to the remaining states soon with their phase 2 roll out. NGL premiums are up to 50% lower than the other LTC plans on the market. The plan has a large number of riders that clients can be add. Click here to download a complete product guide.
LTC insurance is appealing to clients because Medicare doesn’t pay for things like extended stays in nursing homes or assisted living facilities. It only pays for skilled nursing care. Medicare also does not pay for in-home care like personal assistants who assist with dressing or cooking. In general, long term care plans offer clients peace of mind. In the event that your client needs such care, they will be both protected and cared for.
NGL is providing some of the most popular product design features including:
Limited Payment Options,
Joint Policies ( Joint rates are available),
Return of Premium*, and
Rates are gender distinct. Joint rates are available. Issue ages start at 40 and go up to 79.
*In addition, plans offer return of premium upon death. Offer can be net return: claims deducted or gross return: claims not deducted.
Many riders are available. An inflation rider offers a 3% or 5% benefit increase each year. They also offer either a full or limited return of premium rider.
CLICK FOR CONTRACTING. You can return completed contracting kits can either via fax at 203-567-6235 or via email to [email protected] For additional information or questions, please call the office at 203-796-5403.
Crowe and Associates is in fact, a full service FMO brokerage. We offer licensed agents many product contracts. Click here to learn about all of our contact opportunities.