WIXLIB

NGL Sales TeamJoe Guyotte CLU, ChFC, CLTCNGL National Sales Manager Joe has 25 years of LTCi distribution experience asa Regional and a National Sales Vice President.2

NGL Sales TeamLarry Moore MBARegional Vice President, Individual Products Larry has over 30 years of experience in LTCplanning.3

NGL Sales TeamLawrence Vivenzio CLTCRegional Vice President, Individual Products Lawrence has dedicated his entire professionalcareer to Long Term Care insurance. Hisexperience ranges from field sales to agencyexperience to carrier positions.4

National Guardian Life Insurance Company (NGL)NGL Background Founded in 1909A (Excellent) rating from AM Best 4.8 billion in assets1.27 million policyholdersPartnered with an expert LTCi TPA who: Administers 200,000 insureds’ policies Has 30 years in Long Term Care insuranceRatings current as of 3/24/2021. NGL reported 4.4 billion in consolidated liabilities for 2020. Financials current as of 12/31/2020.Policyholder membership based on year end 2020 financials.5

National Guardian Life Insurance Company (NGL)NGL EssentialLTC Competitive ratesRich LTCi featuresPrudent underwritingFlexible plan designs6

EssentialLTC Product Availability7

EssentialLTCTraditional LTCi can be what you want it to be Joint / Shared Benefit (3rd benefit pool) 2, 3, 4, 5 or 6-Year Benefit Periods Lifetime Benefit Period Single / 10-Year / Lifetime Premium Return of Premium / Surrender Consumer Price Agent Value LTC Specialist Flexibility 8

Flexibility of Traditional LTCiNGL EssentialLTC Features Joint CoverageShared Benefit Amount Rider Separate 3rd benefit pool9

A Policy Structure with Couples in MindNGL EssentialLTC Features Joint CoverageShared Benefit Amount Rider Separate 3rd benefit poolJoint PolicyIf either or both insureds exhaust their ownbenefits, a joint Shared Benefit Amount willbecome accessible to either or both of them.Shared Benefit Amount Rider10

Competitive ScenarioNGL EssentialLTC 6,377 Annual PremiumInsured 1 Benefit 219,000Joint PolicyInsured 2 Benefit 219,000Other Traditional LTCi 7,533 Annual PremiumInsured 1 Policy 216,000SeparatePolicies &Shared CareRiderInsured 2 Policy 216,000Shared BenefitAmount Rider 219,000 657,000total initial benefit amount @ 200/day 432,000total initial benefit amount @ 6000/monthGeneric state, 200 Daily Benefit Amount for NGL, 6,000 Monthly Benefit Amount for “Other,”3-Year Benefit Period, Shared Benefits, 3% Compound Inflation Protection Rider, Most Common Rate Class“Other Traditional LTCi” information sourced from competitive carrier’s illustration program 02/19/202111

Flexibility of Traditional LTCiNGL EssentialLTC Features Joint CoverageShared Benefit Amount RiderLifetime Benefit Period12

Flexibility of Traditional LTCiNGL EssentialLTC Features Joint CoverageShared Benefit Amount RiderLifetime Benefit PeriodSingle / 10-Year / Lifetime Premium13

Flexibility of Traditional LTCiNGL EssentialLTC Features Joint CoverageShared Benefit Amount RiderLifetime Benefit PeriodSingle / 10-Year / Lifetime PremiumReturn of Premium / Surrender14

Flexibility of Traditional LTCiNGL EssentialLTC Features Joint CoverageShared Benefit Amount RiderLifetime Benefit PeriodSingle / 10-Year / Lifetime PremiumReturn of Premium / SurrenderSales Ideas Asset-Based LTCi Planning15

Live, Die or Cancel on a Traditional LTCi PolicyNeed LTCLong Term Care BenefitNot Need LTCCancel PolicyReturn of Premium at Death ofInsured to BeneficiariesSurrender Value up to 80%of Total Premiums Paidto Policyowner16

LiveLong Term Care BenefitDieCancelReturn of Premium at Death ofInsured to BeneficiariesSurrender Value up to 80%of Total Premiums Paidto Policyowner17

Return of Premium RidersLimited Return of Premium Rider (LROP)PremiumLTC ClaimBeneficiaryAt death of the insured(s), total premiums paid reduced by claims will be paid to the beneficiaryFull Return of Premium Rider (FROP)*BeneficiaryPremiumRegardless of LTC ClaimsAt death of the insured(s), total premiums paid will be paid to the beneficiary*only available in select states18

Return of Premium withOptional Policy Surrender RidersLump sum payment to the policyowner up to 80% of total premiums paid, reduced by claims.Limited ROP with Optional Policy Surrender available in all product-available states.Full ROP with Optional Policy Surrender only available in select states.19

Flexibility of Traditional LTCiNGL EssentialLTC Features Joint CoverageShared Benefit Amount RiderLifetime Benefit PeriodSingle / 10-Year / Lifetime PremiumReturn of Premium / SurrenderSales Ideas Asset-Based LTCi PlanningBusiness Owner / Worksite TQ LTCi - Tax Deductions20

Employer Group Rate Class(unisex premium rates) Employer Group Rate Class Issue ages 40-79 (age nearest) including joint applicants One rate class - Unisex pricing Same premium rate for same age male, female Competitive joint premium for couples Streamlined group approval process Available to almost any business with 5 employees Low minimum participation, 2-5 issued employees, varies by state Full compensation / commission21

Marketing Support –Tax Summary for Agents/Advisors22

Flexibility of Traditional LTCiNGL EssentialLTC Features Joint CoverageShared Benefit Amount RiderLifetime Benefit PeriodSingle / 10-Year / Lifetime PremiumReturn of Premium / SurrenderSales Ideas Asset-Based LTCi PlanningBusiness Owner / Worksite1035 Exchange23

Pension Protection Act (PPA) –1035 ExchangesSurrender ValueExistingNQ, Tax-DeferredAnnuity or LifePolicyPrincipal/basisANDtax-deferred gainsPotentiallyTaxableAssetPay LTCiPolicyPremiumBenefits used topay for LTCReimbursementLTCi benefits aretax-freeTax-FreeLTCBenefits24

Pension Protection Act (PPA) –1035 ExchangesSurrender ValueExistingNQ, Tax-DeferredAnnuity or LifePolicyPrincipal/basisANDtax-deferred gainsPay LTCiPolicyPremiumBenefits used topay for LTCReimbursementLTCi benefits aretax-freeAnnuity/Life policy must be non-qualifiedAmounts must be assigned directly from an Annuity/Life policy to the LTCi policy(same owners, same insureds)Single premium exchange guarantees no LTCi rate increase25

Top Producer ApproachAt the beginning of a 1035 presentation, tell your client / prospect that you canhelp in one of two ways 1.Transfer the LTC risk - “Traditional” - Using available income or assets2.Self-Insure the LTC risk - “Hybrid” - Longer and better than you are doing nowWould you mind if I showed you both?!26

Susan & John’s Advisor Suggests to Self-InsureCASHRESERVESINVESTMENTSLIFE INSURANCEANNUITIESHOUSE27

Susan & John’s Advisor Suggests to Self-InsureCASHRESERVESINVESTMENTS1035 EXCHANGELIFE INSURANCE TO SELFLIFEINSURANCEINSURELONGER& BETTERANNUITIESHOUSE28

Susan & John’s Advisor Suggests to Self-InsureCASHRESERVESINVESTMENTSTAX-FREELONG TERM CAREREIMBURSEMENTSANNUITIESReturn of premium to beneficiariesif LTC is not neededHOUSESurrender value to policyowner up to80% of premiums paid29

1035 Exchange LTCi PlanningLIVE / DIE / CANCEL Lifetime Benefits2, 3, 4, 5, 6-Year Benefit PeriodsShared Benefit Amount Rider (3rd Pool)If either or both insureds exhaust their ownbenefits, a joint Shared Benefit Amount willbecome accessible to either or both of them.Insured 1BenefitJoint PolicyInsured 2BenefitShared BenefitAmountShared Benefit Amount Rider30

1035 Exchange LTCi PlanningLIVE / DIE / CANCEL Lifetime Benefits2, 3, 4, 5, 6-Year Benefit PeriodsShared Benefit Amount RiderReturn of Premium**only available in select states31

1035 Exchange LTCi PlanningLIVE / DIE / CANCEL Lifetime Benefits2, 3, 4, 5, 6-Year Benefit PeriodsShared Benefit Amount RiderReturn of Premium / SurrenderLimited ROP with Optional Policy Surrender available in all product-available states.Full ROP with Optional Policy Surrender only available in select states.32

Traditional LTCi can be what you want it to be Joint / Shared Benefit (3rd Benefit Pool) 2, 3, 4, 5 or 6-Year Benefit Periods Lifetime Benefit Period Single / 10-Year / Lifetime Premium Return of Premium / SurrenderSales Ideas Asset Based LTCi Planning Worksite / Executive Carve Out 1035 Exchanges Consumer Price Agent Value LTC Specialist Flexibility 33

NGL LTC Rate Calculatorhttps://calc1.nglic.com/calc-ngl-ltc34

Traditional LTCi can be what you want it to be Joint / Shared Benefit (3rd Benefit Pool) 2, 3, 4, 5 or 6-Year Benefit Periods Lifetime Benefit Period Single / 10-Year / Lifetime Premium Return of Premium / SurrenderSales Ideas Asset Based LTCi Planning Worksite / Executive Carve Out 1035 Exchanges Consumer Price Agent Value LTC Specialist Flexibility 35

EssentialLTC Agent Resource Centerhttps://ngl-essentialltc.com36

Thank you!The information contained herein is not intended to provide legal or tax advice. Nothing contained hereinrepresents a guarantee that amounts paid for or received through Long Term Care insurance are excludablefrom gross income for tax purposes. Consult with your attorney, accountant, or tax advisor regarding the taximplications of purchasing Long Term Care insurance.For agent and broker use only. Not for distribution to the public.See State Variation Listing for availability. Product underwritten by National Guardian Life Insurance Company (NGL).National Guardian Life Insurance Company is not affiliated with The Guardian Life Insurance Company of America a.k.a. The Guardianor Guardian Life. LTCMaster 03/21

Rider. 216,000. Shared Benefit Amount Rider. 219,000. Insured 2 Policy. 216,000. 7,533 Annual Premium. NGL EssentialLTC Other Traditional LTCi Generic state, 200 Daily Benefit Amount for NGL, 6,000 Monthly Benefit Amount for "Other," 3-Year Benefit Period, Shared Benefits, 3% Compound Inflation Protection Rider, Most Common Rate Class