Monthly Modal Premium Factor Reduction
Monthly Modal Premium Factor Reduced in 5 Additional States
In addition to the 41 states that already have the lower monthly modal premium factor, on 10/11/19 the monthly modal premium factor is changing from .095 to .0875 in an additional 5 states: CT, DE, IN, ND, and SD.

This will affect new business and active policies retroactive to their effective date with a refund of premiums.

Release announcement for additional information regarding:
  • Newly revised illustration software
  • Notification to active policyholders
  • Refund of premiums
Release Announcement
For agent and broker use only. Not for distribution to the public.
Recently Updated Items
Application for Approval of Employer Group

Additional clarity on when a census is required for group approval (only if expected participation is 10+ employees)
Group Quote Request Form

Additional clarity on how to use the form for quote requests and how to use the form when submitting a census for group approval purposes
For agent and broker use only. Not for distribution to the public.
New Webinar Recordings Available
Why LTCi is So Important to a Happy Retirement
with special guest speaker Tom Hegna

Do You Wish You Knew Your Client’s LTCi Budget?
with Marc Glickman
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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.