Blasts & News
There are many changes taking place in the Long Term Care and Disability Insurance industries these days. The information comes from many different sources, and it can be quite confusing at times to put all the pieces together and make sense of it all. At NJLTC we send out several email newsletters , "Blasts" as we call them, a month. We keep our clients, brokers, and producers informed of all the relevant news, topics, and product updates that take place in our industry. Feel free to browse our archive of Blasts and News articles.
COVID-19 Update Mar 17, 2020
NJLTC takes the safety of our employees, clients, and communities very seriously. As a response to the COVID-19 pandemic, we have suspended all in person meetings.
Our Business Continuity Plan has allowed us to remain fully functional and our team is ready to serve you. You can continue to reach out via phone or email as normal. We also have teleconference and webinar capabilities, and can set up virtual meetings with you as necessary to help with any service issues. Applications can be processed via scan with all companies.
We urge you to follow CDC guidance to keep you, your families, and your clients safe and healthy.
Please let us know if there is anything we can do to be of service to you and your clients during this time.
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Special Risk Disability Underwriting Mar 12, 2020
Welcome March…We are almost to Spring! In this edition of the NJLTC Blast we are going to talk about Special Risk Disability Underwriting. Lloyd’s of London provides their vast array of products through Coverholders in the United States. This blast will focus on IDU, (International Disability Underwriters), just one of our outlets to address:
Here at NJLTC we are able to provide you with the most Coverholder options in the market, IDU, Petersen’s, Exceptional Risk, Hanleigh and others, to make sure we can cover your risk and provide you the most competitive options. Please take the time to review the IDU product line attached below.
Other items in this issue:
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Deep Dive into National Guardian Feb 14, 2020
In this blast we are going to take a “deep dive’ into National Guardian Life LTC… the company, the product, and most importantly the situations they are now most, and significantly most, competitive. NGL is a company that has been around for over 100 years with significant assets and an “excellent’ rating from A. M. Best.
NGL is based in Madison, Wisconsin, and was originally named “Guardian”. During WWI however Guardian became “National” Guardian after “The Guardian” (the company we now all know so well) was forced to change its name. “The Guardian” had previously been named Germania Life, which turned out not to be so great a name to have during World War I! So when Germania Life became “The Guardian”, that left a Guardian and a “The Guardian”, which just created too much confusion. Therefore, Guardian became “National Guardian Life”, which is the name is still uses to this day.
The Product
Please see and review this full comparison here. The NGL product includes:
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