LTC Services
What's New
- *** Disability Product Changes - Full Details ***
- New Issue and Participation Table
- Inflation Impact on Care Event Costs
- Berkshire Long Term Care (Choice Provider) New Jersey Specimen Contract
- Guardian's 2010 Dividend
Learn about Guardian's 2010 dividend and Financial ratings - The Whole Story of Whole Life
A guide to the benefits and reasons why you should be presenting Whole Life to your … - Guardian Retention and Reinsurance Limits
Autobind, Jumbo and retention Limits by product type. - Take Advantage
Up to 2 million of life insurance with no medical testing!!!!! - Take Advantage Approved Carriers
Take Advantage Approved Carrier list - Premium Financing
Premium Financing with Guardian
Long Term Care Insurance Services
Guardians Life Insurance Company of America, New York, NY, entered into the Long Term Care Insurance market at the right time (post rate stabilization 2003) with a flexible product that provides exceptional consumer value.
In the world of long term care insurance, carrier selection should not be made by choosing the policy with the lowest initial rate. Value is not determined by the insurance company that begins with the lowest rate, it is the carrier that ends with the lowest lifetime cost. Long Term Care insurance policies are Guaranteed Renewable and therefore, subject to potential future rate increases. Some of the leading companies have recently raised rates on previously issued policies. While we will never be able to predict future medical breakthroughs and lifestyle changes that impact bottom line claims experience, prudent risk selection will help keep Guardian in this business over the long term.
Guardian LTC High Points:
- Guardian is not saddled with under priced book of business like many early entrants.
- Mutuality can be an advantage to long term care policyholders.
- Guardian Life knows Morbidity- Major DI player.
- Joint policy provides up to 70% spousal discount.
- Indemnity Rider, Unique Shared Benefit with third reserve pool, Optional Policy Surrender and Full Return of Premium riders available.
- Several Elimination Periods, Benefit Periods and Inflation Options to choose
- Very competitive pricing on Abbreviated Payment Plans (10 years and to age 65)
- Appropriate Risk Selection will keep Guardian in this volatile business.
At Northeast Planning Brokerage Division we look to help our brokers provide their clients with the best product for the situation, so we diligently explore multiple carriers that might not be in Guardian's "sweet spot". Please let me know how I can help educate your clients about this important coverage and more importantly help you open up doors that you may not realize are there to open.
A key web site to help you educate your clients and help facilitate a buying decision:
http://www.disabilitycanhappen.org/
Guide your clients to the right info...
Links to other sites are for your convenience in locating related information and services. This Agency, The Guardian Life Insurance Company of America (Guardian) and Park Avenue Securities, LLC (PAS) do not maintain these other sites and have no control over the organizations that maintain the sites or the information, products or services these organizations provide. Although this Agency, Guardian and PAS believe that the information from these organizations is reliable, we cannot guarantee its completeness or suitability for any purpose. Accordingly, this Agency, Guardian and PAS expressly disclaim any responsibility for the content, the accuracy of the information or the quality of products or services provided by the organizations that maintain these sites. This Agency, Guardian and PAS do not recommend or endorse these organizations or their products or services in any way.
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