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Jan 28, 2022 • LTCI Partners

NGL Updated Underwriting Guide

   
NGL
Updated COVID-19 Underwriting Guidelines


Based on the evolving COVID-19 situation it has been determined that certain COVID-19 positive individuals may only have to wait one month instead of three or six to apply for coverage. We also eliminated guidelines on negative testing and close contact exposure. The new guidelines focus on COVID-19 positive test results, symptoms and recovery. 

Effective immediately, the new underwriting guidelines for COVID-19 are as follows:

Coronavirus


These guidelines have been updated in the Premier Underwriting Guide. It will be available tomorrow in Reference Guides under the Sales & Marketing tab on the Agent Resource Center (ARC).

The Premier Underwriting guide is available in the following states - 
AK, AL, AR, CO, GA, IA, ID, IL, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, NC, NE, NH, NM, NV, OH, OK, OR, PA, RI, SC, TN, TX, UT, VA, VT, WA, WI, WV, WY.


Revised Tax Summary

The Tax Summary has been revised with more specific language around the summary of the income tax treatment for TQ LTCi policies for 2022. The summary dated 01/22 will be available tomorrow in Marketing Tools under the Sales & Marketing tab on the ARC. Or click here to download a PDF copy.

Please begin using the new version of the Tax Summary dated 01/22 immediately as older versions are no longer in compliance.


For agent inquiries contact your dedicated Agent Services Team at 888.505.2332 or status@ngl-essentialltc.com. For sales questions contact the Long Term Care Sales Team at LTC@nglic.com.

Thank you.


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The Guardian Life Insurance Company of America a.k.a. The Guardian or Guardian Life.

  


Written by LTCI Partners