National Contracting Center (NCC) is a Medicare-focused Field Marketing Organization, or FMO. Founded in 1992, we have helped thousands of independent insurance agents and agencies grow their sales of Medicare and senior health products.
Founded in 1936, Guarantee Trust Life provides a portfolio of competitive, value-driven health, accident, life, and special risk insurance programs to individuals, families, and groups.
Since its inception, GTL has benefited from the direction of one family whose leadership and management continue to provide a clear vision. Timeless virtues, family values, and integrity motivate the third generation’s passion to provide quality products and excellent service.
These are Guarantee Trust Life (GTL)'s current products and state availability for 2023, as well as information on contracting and appointment.
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Last review date: 10/18/2021 – Plan Year 2021
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GTL’s iGAP coverage is a Group Accident product. A SBSA membership is needed to purchase coverage. GTL’s iGAP Guaranteed Issue Accident coverage helps fund out-of-pocket gaps in major medical plans to help pay for deductibles, co-insurance and co-pays.
Choose coverage benefit amounts between $1,000 and $15,000, in $1,000 increments; the chosen benefit amount automatically applies to Accidental Medical Expense and Accidental Death & Dismemberment Benefits; Cancer Lump Sum Benefits; Hospital Sickness Lump Sum Benefits and Heart Attack and Stroke Lump Sum Benefits.
Policy also includes access to ASK MAYO CLININ ONLINE! Ask Mayo Clinic’s on-demand, private and secure web-based tool provides an easy assessment of over 300 common symptoms. Instead of spending hours searching the internet for answers to health-related questions, policyholders have 24/7 access to Ask Mayo Clinic online for answers to important health questions.
Select Benefit Services Association (SBSA) offers eConnect Wellness, Vitamins and Supplements discounts, and other SBSA discounts and services.
E-App and voice verification available.
We’ll email you a kit with brochures, commissions, and rates all specific to the state of your choice.
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Last review date: 05/12/2023
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Guarantee Trust Life’s 24-Hour Accident Coverage, accident only insurance, helps provide the coverage needed for unexpected expenses from an accident.
Issue ages: 18 to 69; Accident Only Insurance, GTL’s 24-Hour Accident Coverage has eight options. All eight plans include Accident Medical Coverage, $4,000 Emergency Air Ambulance, and Accidental Death and Dismemberment coverage.
Benefit amounts are $2,500 to $25,000 for Accident Medical; $4,000 for Emergency Air Ambulance; and $2,500 to $25,000 for Accidental Death and Dismemberment. All plans cover an individual or family. E-App available. Plans may vary by state.
Select Benefit Services Association (SBSA) benefits include Teladoc (speak with a live board-certified physician by phone or video; Pharmacy Discount Plan, and Dental Discounts along with many other SBSA discounts and services.
We’ll email you a kit with brochures, commissions, and rates all specific to the state of your choice.
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Last review date: 10/18/2021 – Plan Year 2021
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GTL’s Cancer, Heart Attack and Stroke Insurance was designed to pay cash benefits directly to individual and pays regardless of any other insurance coverage they may have should the individual or a covered family member be diagnosed with cancer, suffer a heart attack or have a stroke.
With Cancer, Heart Attack and Stroke Insurance coverage from GTL, a lump sum benefit amount will be paid directly to member regardless of any other health care coverage held, upon the diagnosis of cancer or if member suffers a heart attack or stroke. Benefit amounts are flexible and can range up to $75,000 for Cancer and $75,000 for Heart Attack and Stroke (HAS) depending on specific needs.
Plan benefit amounts: Up to $75,000, ages 18 to 65; Up to $50,000, ages 66 to 90.
Optional riders include a Benefit Builder package to boost benefits; Recurrence Benefit can be applied to the cancer and heart attack and stroke benefits; Return of Premium; Intensive Care, Critical Accident, Dental/Vision, and Child Coverage; may vary by state.
We’ll email you a kit with brochures, commissions, and rates all specific to the state of your choice.
View this information as a web page.
Last review date: 05/12/2023
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Helps pay for out-of-pocket expenses associated with daily hospital confinement, ambulance trips, cancer, dental/vision, short duration hospital stays, outpatient surgery, skilled nursing facility and critical accidents.
Optional benefit riders include Short Duration Hospital Stay, Ambulance, Dental/Vision, Cancer Lump Sum Cancer, Skilled Nursing Facility, Outpatient Surgical and Critical Accident riders. Benefit rider options may vary by state.
We’ll email you a kit with brochures, commissions, and rates all specific to the state of your choice.
View this information as a web page.
Last review date: 05/12/2023
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A Medicare Supplement insurance policy from Guarantee Trust Life Insurance Company will help cover out-of-pocket health expenses Medicare may not. Select from Plan A, G, F, or N; may vary by state.
Basic benefits: Hospitalization – After the first 60 days and paying the Part A deductible, the chosen plan will cover the Part A coinsurance plus 100% of the Medicare approved eligible expenses up to 365 additional days after Medicare benefits end. Medical Expenses – After member pays the Part B deductible, the chosen plan will cover the Part B coinsurance (generally 20% of Medicare- approved expenses) or copayments for hospital outpatient services. Costs for the first three pints of blood each year will be covered. The Part A coinsurance for Medicare approved Hospice care would be covered regardless of which plan is chosen.
E-App available. The e-Application calculates rates, captures signatures and displays state-specific forms.
Some information may vary by state. See state-specific information and rates.
We’ll email you a kit with brochures, commissions, and rates all specific to the state of your choice.
View this information as a web page.
Last review date: 05/12/2023
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Guarantee Trust Life Insurance Company’s (GTL) Recover Cash insurance policy can help protect an individual from out-of-pocket medical expenses.
Nursing Home and/or Assisted Living Facility Benefit: After elimination period is satisfied, a daily benefit amount will be paid when a Licensed Health Care Practitioner has certified there’s an inability to perform at least two ADL without human assistance or supervision or have suffered a cognitive impairment and require substantial supervision.
Plans may vary by state.
We’ll email you a kit with brochures, commissions, and rates all specific to the state of your choice.
View this information as a web page.
Last review date: 05/12/2023
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GTL will pay a daily benefit for each day you receive the following home health care services. Daily benefit amounts will vary by plan selected* (Maximum Benefit Period is 360 days). To qualify for benefits, a Licensed Health Care Practitioner must certify an individual as having a Cognitive Impairment or the inability to perform at least two (2) of six (6) Activities of Daily Living without substantial assistance (bathing, continence, dressing, eating, toileting and transferring).
Restoration of Benefits – Benefits will restore if covered home health care services have not been received for 180 consecutive days and a Licensed Health Care Practitioner has certified there has been sufficient recovery where home health care or nursing care services are no longer required.
Prescription Drug Benefit pays a benefit amount of $10 for each generic or $25 for each brand name prescription drug up to a policy year maximum.
Optional benefit riders are Accident and Sickness Hospitalization, Critical Accident, Ambulance, Dental/Vision and Return of Premium rider.
Benefits & plans may vary by state.
We’ll email you a kit with brochures, commissions, and rates all specific to the state of your choice.
View this information as a web page.
Last review date: 05/12/2023
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The Critical Cash Policy offers the flexibility to custom design a plan to fit individual needs. This type of flexibility can offer superior first-day protection when it’s needed most.
Custom design a plan: Choose covered conditions, choose monthly base benefit (base benefits available from $500-$5,500), choose benefit period (6, 12, 18, 24 months), choose how base benefits are paid (monthly basis or single lump sum), and choose monthly facility benefit (Assisted Living Facility – $500-$2,500)) or Nursing Home – ($1,000-$5,000). Covered conditions include cancer, cancer in-situ, stroke, heart attack, coronary artery bypass surgery, Alzheimer’s disease, kidney failure, major organ transplant, paralysis, and coma; may vary by state.
Members can claim multiple times with the Built-in Restoration of Benefits, and the Lifetime Maximum Benefit is included in the policy.
We’ll email you a kit with brochures, commissions, and rates all specific to the state of your choice.
View this information as a web page.
Last review date: 05/12/2023
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GTL’s Precision Care™ allows member to select the amount of base coverage that is right for them. Selected lump sum is paid directly to member if diagnosed with cancer.
As new advancements in cancer treatments develop, many of these innovations are not covered by traditional health insurance or even Medicare — or can require strict adherence to Medicare guidelines. Additionally, increasing out-of-pocket medical expenses such as health insurance co-payments and deductibles can leave many unprepared for the high costs associated with a cancer diagnosis.
Precision Care™ will pay for TGen’s genomic services and consultations while providing member with a choice of lump sum benefits up to $75,000 to help pay for other medical and non-medical expenses which can be costly while fighting cancer.
An individual’s genome is the complete set of your DNA. It is their blueprint.
Genome sequencing:
How GTL’s Precision Medicine Benefit works:
Patient is diagnosed with Cancer.
Patient files cancer claim with GTL.
Patient informs their doctor they have access to genome sequencing through TGen.
Biopsy is taken and sent to TGen.
GTL pays benefits for the testing and any consultative services.
Patient and doctor get one-on-one consultations with a TGen oncology expert to explain sequencing results and treatment options.
Additional Benefit Riders include: Cancer Benefit Builder, Child Coverage and Return of Premium riders.
We’ll email you a kit with brochures, commissions, and rates all specific to the state of your choice.
View this information as a web page.
Last review date: 05/12/2023
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HCS insurance coverage is available as part of membership in the Aging at Home Association and provides weekly cash payments (up to 50 weeks) when you need help living at home. Payments are flexible and can be used to pay for home care services and other support.
We’ll email you a kit with brochures, commissions, and rates all specific to the state of your choice.
View this information as a web page.
Last review date: 05/12/2023
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Guarantee Trust Life’s (GTL) Critical Provider Plus insurance was created to help alleviate potential financial stressors by paying cash benefits for a wide range of illnesses and accidents. These benefits can help pay for Medical co-pays & deductibles, experimental treatments and surgeries, supplement lost income, provide cash for car and mortgage payments and travel to medical treatment facilities.
Select your coverage ranging from $10,000 to $100,000*. Your coverage will pay up to 2 times for separate diagnosis of the Category 1 and Category 2 critical illness conditions listed below to boost your overall cash benefits up to 250% lifetime maximum!
Category 1 Benefits – 100% of Your Selected Benefit Pays up to 2 times for separate unrelated conditions • Blindness • Cancer • Coma • Deafness • Dementia • Heart Attack • Kidney Failure • Major Organ Transplant • Permanent Paralysis • Stroke
Category 2 Benefits 25% of Your Selected Benefit Pays up to 2 times for separate unrelated conditions • Amputation • Aortic Graft Surgery • Benign Brain Tumor • Cancer In-Situ • Coronary Angioplasty • Coronary Artery Bypass Surgery • Heart Valve Replacement or Repair Surgery
* Issue Ages 18-64
* Lifetime maximum benefit ranges $25,000 – $250,000
* Guaranteed renewable for life
* Optional riders include Return of Premium, Hospitalization, Accident and Precision Care.
We’ll email you a kit with brochures, commissions, and rates all specific to the state of your choice.
View this information as a web page.
Last review date: 05/12/2023
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Introducing the original and most comprehensive Hospital Indemnity Insurance policy in the industry.
• Base benefits kick in after 6 hours
• No hospital stay required for Emergency Room Benefits
• Affordable rates
• Unlimited amount of benefit restoration
• Rates don’t increase as you age
• Simplified underwriting with instant approval
• Guaranteed issue for ages 64 ½ to 68 in most states
• No limits to policy lifetime benefits received
The base plan benefit will pay a daily benefit amount should you be hospitalized for a 24-hour period either as observation or confinement. Choose the base plan and a daily hospital confinement benefit amount that works best for you. Whichever base plan you select, it will restore fully, and for an unlimited amount of times after 60 days of no hospital confinement. Base plan choices are 1 day with a daily benefit amount of up to $2,500 or choose a base day of 3,4,5,6,7,8,9,10 or 15 days with a daily benefit amount of up to $750.
Optional riders include ambulance, outpatient therapy, cancer lump sum, outpatient surgical, critical accident, lump sum hospital, and dental & vision.
We’ll email you a kit with brochures, commissions, and rates all specific to the state of your choice.
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