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.


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:
  • Shared Care - three pools
  • Superior Pricing same age couples (or close to it)