1. Application Guide NGL AssetGuard
Thanks for selling NGL AssetGuard! Let’s quickly review the necessary paperwork NGL needs to issue your business.

2. The Standard NGL AssetGuard Application Form 2735FE 12/08
(Applications will vary by state; before writing new business, please verify the current version approved for your use on MyNGLIC)
The first step to completing ANY application is to ensure that you’ve got the correct application for your product and state! Throughout this presentation, we will be looking at form 2735FE (revised December 2008), which can be verified by looking at the top right and bottom left corners of the form.
This application is the standard application; HOWEVER, several states require different versions of this form, so yours may vary slightly. Please be sure to check MyNGLIC to verify that you have the correct, updated forms in stock.

3. Application Example: Insured/Annuitant Information
Be sure to indicate Male or Female
Where should the policy be mailed?
Complete all information on this line, if applicable
Complete all information on this line
The top of the application contains several important pieces of information for issuing any policy, including information on the insured and the owner of the policy (if different). Don’t forget to indicate the proposed insured’s gender! Next, tell us where to send the policy: to you, as the agent, or the owner? We cannot process an application with any missing information, so ensuring this section is complete is very important to getting your application processed quickly!
Any missing information could result in issuance delay

4. Payment Methods & Modes
Next, we’ll take a look at how to correctly indicate your client’s payment. Each has an impact on how you complete the next section of the application, so we’ll take them one at a time. To calculate any premiums and face amounts, please visit MyNGLIC or use your product summary sheet. Or, if you prefer, our dedicated Agent Support Team will be happy to assist!

5. The Health Question*: Determines Underwriting Class
Health question must be answered “NO” for Standard Issue.
If answered “YES” or not answered, Guaranteed Issue will be used.
Before a payment plan can be calculated, all applicants must select an answer to the statement of health. This answer determines whether your policy can be issued as “standard” or “guaranteed”. The health question MUST be marked “No” for a standard issue policy. If the question is not answered, the policy will be issued as “guaranteed”.
* May vary by state.

6. Remember to check box C to indicate growth rate!
Payment Plan + Mode
5,000.00
15th
Bank Of America X
Write the premium amount on the indicated line and be sure to indicate your growth rate under the Plan section!
Indicate the payment plan with the single pay life or one year checkbox. If the premium will all be paid today, select Single Pay. If the premium will be paid in installments over one year, select the one year box. IF this is a One Year policy, complete the Payment Mode section to indicate the frequency and amount of the installment payments, as well as the EFT information, if applicable.
Remember to check box C to indicate growth rate!
* “Increased Face Amount” (based on funeral price) or “Inflation Protected” amount.
Use Premium Calculators on MyNGLIC to best calculate Face Amount.

7. Beneficiary Information
NGL Funeral Expense Trust
Write the name and address of where proceeds should be directed. If it is Insured’s Estate, please write “Estate of Insured”.
If assigning to one of NGL’s Trusts, please be sure to specify which: NGL Funeral Expense Trust or NGL Estate Planning Trust.
Write the name and address of where proceeds should be directed to. If it is Insured’s estate, please put “Estate of Insured”. If assigning to one of NGL’s trusts please make sure to specify which one you are using on this line. You will also need to complete an assignment form, which we will go over in a moment.

8. The Signature Section(s)
If your state application includes any replacement questions,
all of the questions must be completed.
Remember to complete both Applicant’s AND Agent’s Sections
While the standard NGL AssetGuard application has just the applicant and agent signature sections rounding out page one, many states also require replacement questions just above the signatures. Be sure to watch for these replacement questions on your applications. In either section, be sure to complete both the applicant AND agent portion.
If the health question (above) is answered “no”, the insured or a properly-designated Power of Attorney or Guardian must sign for the proposed insured, at the bottom left of the Applicant Signatures section. Please see NGL’s Signature Guidelines (available on MyNGLIC) for more information.
If you are splitting commissions on this policy, you may use the second line of the Agent’s statement, and include a percentage for each agent involved.
State of Sale
City/Town where sale is MADE
Insured Signature
Owner Signature
Date
Date
Agent Signature
Agent PRINTS Name
NGL Agent # Here
Agent License # %
Only use 2nd line in Agent Statement if splitting commissions

9. Acknowledgment of Payment
John Smith
5,000
The Acknowledgment of Payment section, found on the back of Page One, is the consumer’s receipt for putting money toward their policy. Indicate the amount collected, and leave this piece with the consumer as proof of payment.
Agent Signature
Date

10. NGL Funeral Expense Trust NGL Estate Planning Trust
Trust Assignments
NGL Funeral Expense Trust
NGL Estate Planning Trust
NGL offers you two trust options to select from, depending on your client’s financial needs. Choose the Funeral Expense Trust to simply cover pre-planning costs, or the Estate Planning Trust to cover larger amounts.
If your client will be assigning their policy proceeds to an NGL Trust, you will also need to complete a Trust Assignment form for the specific trust used. You may use either trust, or both in combination.

11. NGL Funeral Expense Trust Assignment Form (#2591-FET*)
Use this trust if the client is concerned with Medicaid Qualification
Excess proceeds paid to the Estate of the Insured (or the state, if your state requires it)
Policyholder must sign. If Power of Attorney (POA), include POA paperwork.
John E. Smith
Mary K. Smith
(Optional)
Owner Signature
Date
The NGL Funeral Expense Trust should be used if your client is concerned with Medicaid Qualification, though you may certainly use it as a best practice, as long as the amount does not exceed your state’s maximum policy amount. Excess proceeds are paid to the Estate of the Insured, wherever possible, as opposed to a named beneficiary.
On the assignment form, simply write the insured’s and owner’s names, as well as the funeral home they are using (if desired). The owner will then sign the form. If you are using a Power of Attorney, the POA paperwork must accompany the application. In most cases, that is all you will need to do with the form.
* May be state-specific. Please check MyNGLIC.

12. NGL Funeral Expense Trust Assignment Form
For NGL Use Only.
Use ONLY if your client needs to immediately apply for Medicaid and transfer the ownership rights immediately.
You will never need to sign the line underneath the Owner’s signature. This is for NGL, as the administrator of the Trust, to complete.
Do not complete the Immediate Assignment box at the bottom of the form unless your client needs to immediately apply for Medicaid and transfer the ownership rights immediately. A signature in this box means that your client is transferring their rights to the policy immediately, and relinquishing their 30-day free-look period. If you don’t sign this section, the policy will automatically be transferred to the Trust in 45 days.

13. NGL Estate Planning Trust Assignment Form (#2591-EPT)
Excess proceeds paid to the beneficiary named on the form
Policyholder must sign. If Power of Attorney (POA), include POA paperwork.
May be used in combination with the Funeral Expense Trust. Total value of the combined policies may not exceed the Estate Planning Trust maximum (may vary by state).
John E. Smith
Mary K. Smith
John E. Smith, Jr.
Owner Signature
Date
If you are using the NGL Estate Planning Trust, you will need to designate a beneficiary for excess proceeds. Once again, if a Power of Attorney is signing for the owner, you will need to include the POA paperwork with the application.

14. Reminders and FAQs
Next, we’ll discuss some common questions along with several helpful reminders to help keep your application turnaround as short as possible!

15. Helpful Reminders
To ensure that your application can be processed quickly, please remember:
Indicate where/to whom the policy should be sent on the top of the application .
If EFT is being drawn from a:
Checking Account: Please include a voided check.
Savings Account: Please have the applicant contact the bank to get the correct bank information and verify that EFT withdrawals are allowed.
Always indicate where the policy should be sent. And, when paying with Electronic Funds Transfer, please either include a voided check or have the applicant verify the bank routing and account numbers.

16. Common Application Errors
Incomplete/Missing Information:
Agent statement and replacement questions are incomplete
Signature Date is missing
Missing or incomplete state requirements such as disclosures or trust assignment forms
May be caused by using old forms, which may not have all the current state requirements included
Premium Discrepancies:
Using standard rates on guarantee issue cases
Payment Type Issues:
Agent’s personal checks are not accepted
Money Orders must be purchased by the applicant (not the agent) and MUST be signed.
For any contract or policy changes, please contact the Agent Support Team
Be sure that each section is filled in completely. Particularly the agent statement and replacement questions, the signatures dates, and any additional state requirements that may be needed.
Check your premium calculations: Are you using the standard or guarantee rates?
Finally, all payments must come from the APPLICANT. No agent checks or money orders will be accepted.

17. Submitting Applications and Claims
Submitting applications and claims to NGL doesn’t have to involve the U.S. Post Office! While you certainly may submit any paperwork to us the traditional way, NGL has some speedier options for you!

18. Submitting Applications via Fax
Complete Application Cover Page (#2802)
Fax with Application to:
Please ensure this form is the FIRST PAGE of your fax.
Do not fax and mail your application materials; send via fax or via mail, not both. Please fax the application just ONCE.
We are only able to accept faxed payment for initial premium from one account. Initial premium payments from multiple accounts must be mailed to NGL with checks from each account.
Business should not be sent to NGL until it is ready to be issued.
To submit an application via fax, simply complete the Application Cover Page (form #2802). When payment is by EFT, please collect a check and have the insured sign the one-time payment authorization on the fax cover sheet. If this form is unsigned, we cannot process the application.

19. Claims Process
Claims may be submitted via fax and are generally processed in two business days or less.
A copy of the death certificate is required:
If death occurs within the first two years of issue on a standard issue policy, a death certificate is required
In Kentucky, Louisiana, Ohio and Wisconsin.
If you are submitting a claim for your client’s family, they can be submitted by fax. A copy of the death certificate is required in certain states; please be aware of your states’ policy. A copy of the Death Certificate is also required when a death occurs within the first two years of standard issue.

20. Covered Funeral and Burial Items
Copies of bills for the funeral (or other related services) should be submitted with the claim form. These may include:
Professional services
Embalming and other treatment of remains
Cremation
Caskets
Vaults
Funeral home facilities and services
Stationery
Flowers
Transportation of the body
Opening and closing of the grave
Cemetery charges
If services were paid in full by the family at time of death, we will reimburse the payee of the services for covered expenses under the trust.  To do this they need to submit the beneficiary claim form with a copy of the paid funeral bill and proof of payment.
Each trust assignment form contains a list of possible goods and services that are eligible for reimbursement from the trust.

21. Submitting Claims via Fax
Complete the appropriate Claim Form:
NGL Funeral Expense Trust Claim Form (#FE-CF)*
NGL Estate Planning Trust Claim Form (#EP-CF)*
Beneficiary Claim Form (#2803PNCF)*
Multiple Payees Claim Form (#FE-MP-CF)*
Fax to:
To fax in your claim, simply complete the appropriate claim form for your state and situation, and fax it to our toll-free number.
* Some states use state-specific forms. Check MyNGLIC to ensure correct form usage.

22. For Agent Use Only. ABLAG-BSP
Questions?
Call for assistance!
We hope this presentation has answered your questions about our paperwork! If you have any additional questions, don’t hesitate to contact your upline manager or call for support.
© 2010 National Guardian Life Insurance Company, Madison, WI. NGL, National Guardian and the tree of life logo are registered trademarks of National Guardian Life Insurance Company. National Guardian Life Insurance Company is not affiliated with the Guardian Life Insurance Company of America, a/k/a The Guardian or Guardian Life.
For Agent Use Only ABLAG-BSP