Limited-Duration Premium Payment Options
In addition to a lifetime premium payment duration, EssentialLTC also offers limited duration premium payment options to provide the flexibility to design a policy for many consumers’ financial goals:
10-YEAR PREMIUM This option provides premiums to be paid over a 10-year period, after which no further premiums will be due. Premiums are only subject to change during the 10-year premium payment period. After the 10-year premium payment period, the policy will be fully paid up, noncancelable, and not subject to rate increases.
SINGLE PREMIUM This option allows the policy to be funded with a single premium payment after which no additional premiums are due, making the policy fully paid up, noncancelable, and not subject to rate increases.
55 Year Old Couple | Claim in 30 Years
*Plan used is a Joint Policy with a 5-Year Benefit Period, 90-Day Elimination Period, $150 Daily Benefit Amount, Shared Benefit Amount Rider, HCCS Premium Waiver Rider, 3% Compound Inflation Protection Rider
How to Learn More

Contact our Sales Support Team at 888.505.2332 or

Take a look at our recently updated Product Introduction Guide .
For agent and broker use only. Not for distribution to the public.
Do You Wish You Knew Your Client’s LTCi Budget?
Don’t forget to register for our “Do You Wish You Knew Your Client’s LTCi Budget?” webinar next week on 9/25/19.
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For agent and broker use only. Not for distribution to the public.
Product underwritten by National Guardian Life Insurance Company (NGL). National Guardian Life Insurance Company is not affiliated with The Guardian Life Insurance Company of America a.k.a. The Guardian or Guardian Life.

For agent and broker use only. Not for distribution to the public.
Policy form series ICC16-NLTC100P. Product not available in all states.