National Guardian Life Added to Quote & Apply

BackNine is proud to announce National Guardian Life’s traditional LTC on Quote & Apply. National Guardian Life (NGL) offers unique LTC solutions for customers interested in:

• Lower premiums. NGL may be up to 20% less expensive than the next lowest priced carrier based on the state.
• Single Pay, 10 Pay, and Lifetime premium options.
• Several Return of Premium options allowing policy owners to receive up to 80% of their premiums back upon surrender.

We’d like to remind agents

• NGL uses a daily benefit as opposed to a monthly benefit which may result in more unreimbursed services.
• NGL uses service days as opposed to a calendar days to calculate the elimination period.
• Underwriting may be more stringent. Refer to the underwriting guide before completing the application.