NGL | EssentialLTC – Enhanced EssentialLTC Reminder

September 2, 2022

As a reminder, the states of AZ, CT, FL, IN, and the District of Columbia now use the Enhanced version of EssentialLTC.


  • For joint policies, when one insured passes away the premium will now decrease to an amount specified on the illustration and Policy Schedule for each person.
  • The Waiver of Premium Rider for Home and Community Care Services is now built into the policy and premium when Comprehensive Coverage is selected.
  • The 10-Year Premium Payment Option is now fully guaranteed and will never be subject to a rate increase.
    • Florida now has a 10-Year payment option!*
  • The underwriting rate classes will be consolidated into a single gender-distinct rate class called “Premier”. It is a simplified competitive offering with clearer underwriting expectations.
    • The Employer Group rate class will still be available to approved employer groups in the states where it is available.
      • The 5% employer group discount for Arizona and Florida is being replaced by the Employer Group rate class.

*Florida does not have a Single-Pay option​​​​​​

Streamlined Rider Selection

  •  Removed: The Step-Rated Compound Inflation Protection Rider
    • Still Available: The Compound Inflation Protection Rider with 3% and 5% options
  • Removed: The Full Return of Premium Rider
    • Still Available: The Limited Return of Premium Rider
  • Removed: The Full Return of Premium with Optional Policy Surrender Rider
    • Still Available: The Limited Return of Premium with Optional Policy Surrender Rider
  • Removed: The 0-Day Elimination Period
    • Still Available: The 30, 90, and 180-Day Elimination Periods and the First Day HCCS Benefit Rider

All available riders can be found in our EssentialLTC Product Summary.

For more information, contact a Pinnacle Financial Services representative today

1 (800) 772-6881 x7731 | sales@pfsinsurance.com

Contact a Pinnacle Representative if you have any questions.

1 (800) 772-6881


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