NGL Insurance Company (formerly National Guardian Life) long-term care insurance

What they offer

Coverage type: Traditional. Renamed from National Guardian Life Insurance Company to NGL Insurance Company effective January 1, 2026, after converting to a mutual holding company structure. Not affiliated with The Guardian Life Insurance Company of America.

Long-term care coverage falls into two families — traditional standalone policies and hybrid (linked-benefit) policies. See types of plans for how they differ.

How NGL Insurance Company (formerly National Guardian Life) scores

Our disclosed, weighted methodology scores every carrier on four criteria. Here's the breakdown for NGL Insurance Company (formerly National Guardian Life):

Financial strength

Because a long-term care policy may be held for decades, an insurer's financial strength matters. NGL Insurance Company (formerly National Guardian Life)'s A.M. Best financial-strength rating is A, affirmed July 18, 2025 (source). Rating was affirmed under the company's prior legal name, National Guardian Life Insurance Company, before the January 2026 rename/restructuring — no separate re-affirmation under the new "NGL Insurance Company" name has been published yet as of this writing. Ratings are typically reaffirmed annually — verify NGL Insurance Company (formerly National Guardian Life)'s current rating directly with A.M. Best or the carrier before you buy. See how we score carriers for the full methodology.

Visit NGL Insurance Company (formerly National Guardian Life)'s website

Please note: This profile is general information, not an offer of coverage or an endorsement. Product availability, features, and pricing vary by state, age, and health, and change over time. Confirm NGL Insurance Company (formerly National Guardian Life)'s current offerings with a licensed agent before making any decision. LongTermCareInsurance411 is not affiliated with NGL Insurance Company (formerly National Guardian Life).