July 2026 Industry News and Updates

New long-term care rider from Aflac offers flexibility and added security

Aflac enters the Group LTC Market with a Term to 120 Product, March 2026:   LTC Rider is 7702B qualified – Cash Indemnity, Fully Portable, Guaranteed Premiums and Guaranteed Benefits, Guaranteed Issue Underwriting Tiers and Spouse GI.  (Source:  Buddy’s Study Group:  Study Group Summary 7/2)

NGL Honest LTC Coming to More States

National Guardian Life, 7/10/2026:  HonestLTC will be available in Colorado, Illinois, Massachusetts, Rhode Island and Virginia, beginning July 10th. To ensure a smooth product transition, NGL will offer a guaranteed exchange from EssentialLTC to HonestLTC.

• Exchange eligibility starts with applications dated May 1, 2025, or later in CO, IL, MA, RI and VA.
• Exchanges are available until Monday, August 10.
• No new underwriting required — hassle-free!
• New product premiums will be based on the insured’s age at time of exchange.