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Brown University

About the Exchange

RetirementGuard is an independent broker and insurance consultant, and we work almost exclusively with long-term care insurance.

Contact Us
1-888-793-6111

RetirementGuard is an independent broker and insurance consultant, and we work almost exclusively with long-term care insurance.

To assure that you are able to obtain the best coverage for your particular needs - at the best price - we have constructed this Private Exchange, consiting of four outstanding and different insurance companies from which you may choose.

National Guardian Life
Founded in 1909, National Guardian Life (NGL) provides innovative features no longer found in traditional long-term care insurance policies such as unlimited benefits and 10 pay premium structures. NGL is an extremely competitive product choice for couples applying together, and they have never increased premiums for existing insureds.
     
Lincoln Financial

Lincoln Financial underwrites a very popular hybrid long-term care insurance alternative. Though absolutely not for most people, hybrids are becoming increasingly popular wealth management tools for higher net worth individuals and couples. (see additional Information)

www.hybrid-ltc.com

Genworth
is the largest long-term care insurance company, and they have been in this business since 1975. Genworth provides more liberal underwriting for newly eligible employees.
pacific life
Pacific Life provides an interesting hybrid option. It is more "traditional" in that 100% of the premium is always available should the insured want their premium outlay returned.
Mutual of Omaha
Another strong long-term care insurance company. They have strong financial ratings and the most liberal home care policy provision. Mutual of Omaha tends to have a more liberal underwriting perspective.

Ex-change


3. a place where things are exchanged, especially a center where financial instruments are bought and sold.

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Privacy Policy

RetirementGuard's mission is to enhance quality of life and peace of mind. We believe the interest of our clients always come first. As a current or future client we need you to know that we are committed to maintaining your trust; protecting your privacy and the personal information you provide to us.

We only collect, use and share your personal information in order to provide you with and maintain the insurance products and services you have requested, or as permitted or required by law.

We will not share your information with any non-affiliated company for the purpose of that company marketing its products or services to you. We do not sell any information about you nor do we sell our customer lists.

Information collection

An essential part of the insurance application process is getting to know you. In this regard, we will need to collect some specific information from you and about you.

We will ask you to provide, among other things, personal data such as your name, address, date of birth, social security number, marital status, home address, phone numbers, email address and place of employment. In most cases you will also need to provide the names of your physicians, medications you are taking and illnesses or conditions you have or have had. Lastly, to ensure that you can afford the insurance you are interested in purchasing, questions related to your annual income range, savings and investments.

We would require the above information for the following:

Sharing information

When you provide information to us, we may share your information with our affiliated insurance companies for the purpose of fulfilling underwriting requests as well as offering you other services that may be of interest to you.

How is your information secured and protected?

We treat what we know about you confidentially. The website uses encryption and authentication tools to protect any personal information you send us via the Internet. Internally we take steps to make our computer data bases secure and to safeguard the information we have collected about you.

We require confidential treatment of your information and take care in handling your information. Employees who misuse customer information are subject to disciplinary action.

To contact us, to view or to update your information

If you wish to update or view your personal information or if you have any questions about this Privacy Policy, you may contact us by sending a letter via the U.S. Mail to:

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