April 21, 2021 | Long-Term Care Newsletter
Updated Underwriting Guidelines
As a result of recent product enhancements, which included the re-classification of risk classes into one "Premier" rate, National Guardian Life has re-aligned some of its underwriting guidelines. Notable changes include the following:

  • Family History
  • Those who have multiple family members or first degree relatives with a history of Dementia (including Alzheimer's) will no longer be accepted
  • Self-Reported Memory Issues
  • Those with self-reported perceived declines in memory will not be accepted if the complaint is current or within the past five years
  • More Detailed Guidelines for Certain Conditions
  • Including high blood pressure, diabetes, osteopenia/osteoporosis, and physical therapy history

See below for a list of further changes, as well as the updated guide. 

CLICK HERE for the full announcement regarding underwriting guideline changes
CLICK HERE to download an updated Underwriting Guide
Updated EssentialLTC Materials
As a result of recent product enhancements, National Guardian Life updated a number of its EssentialLTC materials, including its Agent Guide, Underwriting Guide, State Variation Listing, and Product Guides.
CLICK HERE for links to download the updated materials
Updated Competitive Comparison Brochure
Mutual of Omaha has updated its Competitive Comparison brochure, which shows how it's individual LTCi product compares to those of other carriers, including Thrivent, Northwestern Mutual, and National Guardian Life. Click the link below to download this brochure.
CLICK HERE to download the Competitive Comparison brochure
Carrier Covid-19 Reminders
Premium Rate Action
Effective April 12, 2021, Genworth implemented rate action on in-force business in Maryland. Click the link below for more info.

CLICK HERE for more info about rate action in Maryland
Skochin Settlement Offers to TX Class Members
On April 12, 2021, Genworth began mailing Special Election Letters to Skochin Class members whose policy went into a Non-Forfeiture type paid-up status after January 1, 2014. The mailing will continue throughout the next year. Click the link below for more information.

CLICK HERE for more information

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