Agent Resource Center
Welcome to the Industry News – a leading source for positive and constructive LTCi information! We hope that you find the below news insightful and invite you to contribute your online articles for future issues by emailing us .
Don’t forget to register for our next episode in the Future of LTCi webinar series, “Growing your LTCi Practice at Little to No Cost” with special guest speaker New York Times bestselling author and TV host/personality, Carol Roth.

View any of our recorded webinars at your convenience on our new EssentialLTC On Demand page including the replay of our most recent episode of the Essential How-To’s webinar series Live, Die, or Quit Benefits on a Traditional LTCi Product
  • New easy to access EssentialLTC Updates page (For agent and broker use only. Not for distribution to the public.)

  • E-APP has launched! Access E-APP including E-PAY and E-SIGN features in the Agent Resource Center. Request access or login at

  • Unexpected adverse underwriting decision? Use this form to be able to access why.

  • 21 recently released Partnership states with more to come and retroactive Partnership eligibility

  • Discover the Sweet Spots of EssentialLTC (For agent and broker use only. Not for distribution to the public.)
  • New Partnership States: KY, ME, MO, NC, NV, OR
  • More 1035 exchange options
  • Employer Group Rate (unisex) for approved employer groups
Time to Start Counting Down My Days
Author Rob Woutat brings some levity & sarcasm to the fact that we all have to plan because we don’t have the crystal ball to tell us the future. 
Shut up about Nursing Homes
We’re all helping people plan for when it matters most, but don’t forget about where it matters most.
Maximizing Tax Deductions For Long Term Care (LTC) Insurance
Take another look at this great article regarding tax advantaged ways to fund LTCi from Michael Kitces.
Stand-Alone Long Term Care Insurance vs. Linked Life/LTC Insurance? It is a matter of Risk Tolerance
Interesting insight from Tim Kelly regarding risk tolerance driving the decision for plan design & product selection.
Tailor-Made LTCi Planning
An article exploring comparing health, life, and annuity based LTCi planning options.
Selling Insurance In a Mobile World: How Mobile is Changing The Sales Landscape
“If you are looking to stay relevant in the world of insurance you must be aware that a wave is coming.” Says the author, Lasse Ljung
10 Issues to Resolve So You Can Succeed at Seminar Marketing
Tips for hosting a successful seminar.
Long-Term Care Insurance Association Reports Increasing Web Traffic
Keep up the good work spreading the message on the importance of LTC planning!
Now You Can Add Long-Term Care to Death and Taxes
Now more consumers know LTC planning is important, but this article highlights that there’s still a disconnect with just HOW important it is.
State Filial Responsibility Laws Getting Kid’s Attention
Filial responsibility laws creeping back into the spotlight. Don’t forget to educate your clients this is just one of the many reasons why it’s important to plan for long term care.
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.
Product underwritten by National Guardian Life Insurance Company (NGL).
Policy form series ICC16-NLTC100P. Product not available in all states.