Plan Availability & State Policy Maximums

For Agent Use Only. Policy amounts shown are per person.

*Individual state regulations including product availability, allowed maximum or minimum may vary by state. It is recommended your client contact a legal advisor for complete details on irrevocable assignments, Medicaid eligibility and using a trust to protect their assets, including a life insurance policy.

**Medicaid limits the face amount of policies assigned to the FET: Immediate Spend Down Protection Plan which they will consider excluded assets in the following states: AZ - $8,000; CT - $5,400; DE - $15,000; GA - $10,000; IA - $11,566; IN - $10,000; KS - $7,000; LA - $10,000; NE - $4,926; MO - $9,999; ND - $6,000 (premium); OK - $10,000; PA - Limit varies based on where the applicant resides; SD - $10,000; TN - $6,000; UT - $7,000; VT - $10,000

FET: Immediate Spend Down Protection Plan: not available in FL, MA, MI, NV or TX.

CAT: NGL State Licensing Classification. NOT LEGAL ADVICE. Please consult with an attorney. These guidelines are prepared for National Guardian Life Insurance Company, and should not be relied upon by any other party. This does not constitute a legal opinion or conclusion by NGL, and should not be used as the sole basis for making individual company decisions or conclusions. This information is not intended as legal advice, and no liability is assumed in connection with its use. Users should seek advice from a qualified attorney and should not rely on this compilation when considering any questions relating to commissions.