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Aug 8, 2022 • LTCI Partners

NGL Revises Dementia Family History Guidelines

Good news:  NGL Underwriting will now consider scenarios in which applicants have two first-degree relatives with dementia. 

Update to the Premier Underwriting Guide

 

At NGL, we adapt our LTCi underwriting practices as medical science continues to evolve and more information becomes available. We have identified scenarios where it may be acceptable for an applicant to have two first-degree relatives with dementia.

It is now recommending that you prequalify these scenarios with the type of dementia, the age of onset of symptoms and the age of diagnosis. Some scenarios may be acceptable and others will not, depending on the details. We have updated our Premier Underwriting Guide to reflect this.
 


We also updated the lists of Clearly Uninsurable Combinations and Probable Uninsurable Combinations on pages four and five for additional clarity.



Beginning tomorrow, the updated guide will be available on the Agent Resource Center under Reference Guides in the Sales & Marketing tab. Click here to download a PDF copy of the Premier Underwriting Guide.

Thank you.
For agent use only. Product underwritten by National Guardian Life Insurance Company (NGL), Madison, Wis. National Guardian Life Insurance Company is not affiliated with The Guardian Life Insurance Company of America a.k.a. The Guardian or Guardian Life.​​​​​​
 

Written by LTCI Partners

One of the greatest risks to a confident retirement is healthcare. At LTCI Partners, we provide insurance solutions to help advisors and their clients manage this risk.

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