Recognizing a need in the Long Term Care insurance market for an innovative and stable long term care product, National Guardian Life Insurance Company (NGL) created EssentialLTC - a consumer-oriented competitively priced product.

Long Term Care insurance is an important component in protecting your clients' future financial well-being. By assisting your clients with this decision now, you're helping to prevent potential long term care expenses from impacting their family down the road.


Plan Features

Because each person's situation is unique, EssentialLTC offers customizable plan features that appeal to a wide range of clients including:

    • Lifetime Benefits
  • Shared Benefits - Third Benefit Pool   
    • Single Premium Payment Option
  • Employer Group rate class (unisex)
    • 10-Year Premium Payment Option
  • Inflation Protection
    • Competitive Rates
  • Return of Premium
    • Joint Pricing
  • Surrender Values
    • 1035 Exchange

In addition, NGL has an established and thorough underwriting process which results in predictable decisions with an accelerated turnaround.


What is Long Term Care?

Long term care includes a wide range of services and support your clients can receive in their home, a nursing home or assisted living facility. 

The need for long term care can occur when health begins to decline or an unexpected medical crisis arises. The loss of at least two activities of daily living or cognitive impairment can result in the need for expensive and substantial care.


$272 billionvalue of caregivers providing an estimated 16 billion hours of care *
11 millionAmericans provide unpaid care for people with Alzheimer's or other dementias.*

Long term care includes a wide range of services and support that your clients can receive in their home, a nursing home or assisted living facility.

Access the EssentialLTC Agent Resource Center

The Agent Resource Center offers a variety of resources about EssentialLTC. Below are items you can view after you login.

  • Sales Illustrations
  • Premium Calculator
Marketing Tools
  • Agent Guide
  • Sales Guide
  • Client Brochure
  • Product Recordings
  • Product Video


Register here

The Agent Resource Center offers a variety of resources about EssentialLTC.

Get more information

Our Support Team is ready to assist you, Monday - Friday, 7 a.m. - 5 p.m. PST. Call 888. 505.2332 or complete the form. 

Already an Agent?

If you are already an EssentialLTC Long Term Care insurance agent, please click the button to login to the Agent Resource Center. 

* https://www.alz.org/media/Documents/alzheimers-facts-and-figures-infographic.pdf