EssentialLTC from National Guardian Life

  • Originally published September 7, 2016 , last updated April 24, 2018

What makes EssentialLTC unique? When the “Reverse Combo” feature is added, EssentialLTC becomes an LTCi policy that provides coverage similar to a life insurance policy—offering return of premium and a cash surrender option—but with lower premiums as compared to most hybrid life/LTCi policies.

EssentialLTC is providing some of the most popular product design features, including:

  • “Reverse Combo” – return of premium with cash surrender option
  • Lifetime benefits
  • Single pay and 10-pay premium options
  • Joint policies
  • 1035 exchanges
  • 3% or 5% COLA

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