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NGL Long Term Care Review


ConsumersAdvocate.org Rating: 4.5 / 5 (Excellent)
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Founded in 1909, NGL, or The National Guardian Life Insurance Company, has been providing insurance and other solutions for over a hundred years. They specialize in long-term care insurance, life insurance and annuities, and specialty insurance products. They offer these products and services in 49 states and the District of Columbia. The company is headquartered in Madison, Wisconsin.
 
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Call: (866) 671-4487

How is NGL rated?

Breakdown

4.5/5
Benefit Limits
4.5/5
Policies & Coverage
4.5/5
Customer Service

Overall Rating: 4.5 / 5 (Excellent)

NGL's EssentialLTC long-term insurance provides two policies to accommodate the needs of their policy holders. Both plans include standard long-term care benefits and have different levels of coverage for facilities.

The company has an Excellent rating from AM Best. Though it has not been rated by other credit rating agencies, NGL brings more than a century of experience in the insurance industry to the table. It is also BBB accredited and holds a rating of A+.

Policies & Coverage

Policies & Coverage - 4.5 / 5

NGL's long-term insurance policy is called EssentialLTC. There are two available plan options to choose from based on the facility coverage needs of each individual. Their Facility Care Services Only policy covers services within assisted living facilities and nursing facilities.

Their comprehensive Long Term Care Insurance policy covers all facility care services, as well as in-home and community care services that the policyholder requires. This policy includes an emergency system benefit, under which the insured receives a reimbursement of up to $50 per month for the installation of residential communication systems for emergencies.

Both policies include built-in features such as international benefits, care coordination benefits, respire care benefits, and more. Couples who are interested in either policy can enjoy a joint policy and premium with the EssentialLTC joint pricing structure.
Policy Types
Individual / Standard
Types of Covered Care
In-Home Care
Assisted Living / Adult Day Care
Nursing Home
Available Policy Riders
Inflation Protection
Shared Care
Return of Premium
Waiver of Premium
Nonforfeiture

Inflation Protection

NGL offers an inflation protection rider as part of which both the daily benefit amount and the benefit amount grow throughout the life of the policy. The two options available are 3% compound and 5% compound.

Claims & Benefits

Benefit Limits - 4.5 / 5

As defined in NGL's policy requirements, a person is eligible to receive long-term care insurance when they are chronically ill—which impairs their ability to perform at least two activities of daily living without assistance— or when they're diagnosed with a severe cognitive impairment that renders them unable to protect themselves or others from threats.

The maximum daily benefit amount provided by the policy ranges between $50 and $300, except in Vermont ($80) and Wisconsin ($60). For the initial benefit period, you can choose between between 2 and 3 years. After that, it can be extended to either 4, 5 or 6 years or a Lifetime period with the Benefit Period Extension Rider. The elimination period choices are between 30, 90, or 180 days except in the case of Vermont, where its 90 days.
Maximum Daily Benefit Limit
$300 per day
Unlimited Lifetime Benefit Period?
Yes
Elimination Period
30, 90, or 180 days (except in VT)
Eligibility Requirements
Activities of Daily Living Limitations
Physician Certification / Letter
Alzheimer's or Cognitive Impairment

Financial Strength & Ratings

Financial Strength - 4.5 / 5

NGL's financial strength ratings can be found under the name National Guardian Life Insurance Company. It currently has an AM Best rating of Excellent. The company has yet to be rated by Standard and Poor's, as well as Moody's.
Underwriter
National Guardian Life Insurance Company
AM Best Financial Rating
A
*The above information reflects the financial strength of the underwriter of the NGL long term care insurance policies: National Guardian Life Insurance Company.

NGL Reputation

Customer Service - 4.5 / 5

The National Guardian Life Insurance Company has been accredited by the Better Business Bureau since 2017 and currently holds a BBB rating of A+. Most customer reviews are negative, which earned them a customer review rating of 1.06 out of 5. The company has closed 93 complaints in the last 3 years.
BBB Rating
A+

Contact & Additional Information

Company Type
Underwriter
Year Founded
1909
Homepage URL
https://www.nglic.com
Company Phone
(800) 548-2962
Headquarters Address
Two E Gilman St, Madison, WI, 53703

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Facility care and/or in-home care coverage options available

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