Madison, Wis. (February 9, 2026) – National Guardian Life Insurance Company (NGL) is proud to introduce HonestLTC, a new Long-Term Care (LTC) insurance solution that delivers what consumers want most: straightforward and affordable long-term care protection.
HonestLTC becomes available on February 13, 2026, in 34 states, including Alabama, Alaska, Arizona, Arkansas, Georgia, Hawaii, Idaho, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Michigan, Minnesota, Missouri, Mississippi, Nebraska, Nevada, New Hampshire, New Mexico, North Carolina, Ohio, Oklahoma, Oregon, Pennsylvania, Tennessee, Texas, Utah, Vermont, Washington, West Virginia, Wisconsin and Wyoming.
NGL looks forward to announcing additional states that the new LTC product is available in upon regulatory approval.
“HonestLTC is NGL’s second generation traditional LTC offering,” said Joe Guyotte, NGL’s National Sales Manager, Long-Term Care. “It improves on key provisions of our existing product, but retains the unique, value-driven features that have made NGL a successful Long-Term Care insurance carrier with agents and consumers.”
Key features of HonestLTC are:
· A Monthly Benefit instead of a Daily Benefit, which provides more flexibility for policyholders who wish to receive their care in their own home.
· A Calendar Day Elimination Period instead of a Service Day Elimination Period, which could allow policyholders to satisfy their deductible quicker.
· Automatic compounded inflation options of 1%, 2% and 4% (in addition to 3% and 5%) that create the ability to design meaningful LTC coverage at a price that more consumers can afford. Additionally, many states allow the 1% and 2% compound inflation option to qualify for the LTC Partnership Program, which provides extra asset protection from Medicaid spend-down requirements, making LTC planning more viable for potential policyholders.
· A 5% Partner Discount for individual policies.
· An Alternate Plan of Care provision that could cover emerging care delivery trends that do not yet exist.
“These enhancements, combined with our unique benefits for couples, greatly elevates NGL’s benefit offerings when it comes to LTC planning,” Guyotte said, explaining that through the Shared Benefit Amount rider NGL offers, couples receive a third pool of money in addition to their own individual pools, which equates to tangibly more LTC benefit dollars that can be used by both insureds. Upon the death of either insured, the surviving spouse keeps the third pool as well as their individual pool for future use. Furthermore, the surviving spouse’s ongoing premium is reduced.
HonestLTC also includes the following features from its existing product:
· Benefit Periods of 2, 3, 4, 5 and 6 Years
· For couples, a unique joint pricing structure that offers very competitive premiums and built-in spousal Waiver of Premium
· A 10-Pay premium option
· Elimination Periods of 90 and 180 Days
· The 0-Day Elimination Period for Home Care Rider
“NGL has served policyholders for more than a century. We believe in being a reliable, financially stable insurance carrier that takes a sensible approach to the LTCi marketplace by using conservative pricing methodology based on actual LTC experience. As a dependable provider, our policyholders have the extra peace-of-mind that their LTC plan is enduring and sustainable for the long-haul,” Guyotte said.
Through the introduction of HonestLTC, NGL’s current product will be replaced for new policies on a state-by-state basis. In keeping with NGL’s customer-first philosophy, existing policyholders who applied for coverage on or after May 1, 2025, may exchange their current policy for HonestLTC without underwriting requirements for a period of 60 days after the product is launched in each state.
All provisions, terms, and benefits for policies written before May 1, 2025, remain in place. As a reminder, all NGL LTC policyholders have access to NGL’s LTC Policyholder portal, which allows them to access their policy details, make any changes, and pay premiums.