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Comparing National Guardian Life Long-Term Care

National Guardian Life is a well-respected insurance company and is a good option for long-term care planning. There are differences between the policy language and benefits between companies that offer Long-Term Care Insurance although the major benefit options are similar. However key differences do exist. It is important to know and understand the differences between National Guardian and the other major companies.

National Guardian has many features to consider:

  • Partnership benefits in most states
  • Shared Care Benefit featuring a third pool of money
  • Return of Premium options include full return of premium and return minus claims paid
  • Single Pay and Ten Pay Premium Options
  • Four inflation benefit options including 3% and 5% compounded
  • Elimination period options includes 0, 30, 90, and 180 days
  • Daily benefits options from $50 to $300 a day
  • Pool or money or unlimited benefit options
  • Facility only benefit option available

For couples, this is a single policy with one premium. Each person has their own long-term care benefit, however if one person passes-away the premium does not change.

The policy does not offer monthly benefits which can be very important when receiving care at home. Underwriting criteria is very conservative.

National Guardian Life offers long-term care partnership policies in most states. Learn more about the federal/state partnership program here:

Companies have significant premium differences. Premiums are based on the amount of benefits you wish to have along with your AGE, HEALTH and specific discounts you might qualify for.

Underwriting criteria – which health conditions you have today that might be insurable will vary between companies. Matt McCann understands the underwriting guidelines for National Guardian and all the major companies in order to match you with the best and most affordable option.

Discover the differences and compare. Matt, with his years of experience (since 1998) will help you determine if coverage is suitable for you if your health qualifies for coverage and then recommend appropriate benefits and options.

Features, benefits and additional options can vary from company to company. Some options like shared care benefits are options Matt McCann recommends often and other options might not be in your best interest. Substantial premium differences exist between this plan and others. This is why you should seek the assistance of a qualified Long-Term Care Specialist to compare features, benefits, and costs.

As a nationally recognized Long-Term Care specialist, Matt McCann works with all the major companies in the industry and can compare features and benefits as well as the costs between the plans. Plus, his claims assistance can help you design an appropriate plan which fits your needs and budget.


Long-Term Care Insurance is custom designed specific to you. Matt’s general philosophy is to design an affordable plan with the best company available (based on your current age and health) so you can take a catastrophic situation and make it manageable. The idea: Safeguard your retirement funds (401(k) IRA 403(b) while reducing the tremendous burdens that are placed on your family when you have an aging or health issue and need extended care.

State variations may apply.

Long-Term Care Insurance is Easy and Affordable Asset Protection. Most people are surprised how affordable a plan can be especially if you obtain coverage before you retire when you are in good health.