National Guardian Life

SMS is proud to add National Guardian Life to our long-term care insurance (LCTi) portfolio. NGL is an A- (Excellent) A.M. Best rated mutual insurance company with over 100 years of offering high-quality, customer focused, insurance products. 

In July 2016 NGL launched EssentialLTC, a unique new LTCi plan that is available in most states. 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.

Featured Product: EssentialLTC

  • “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

Agents are getting contracted and ready to sell immediately.