Guarantee Trust Life (GTL) Contracting & Appointment

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.

Guarantee Trust Life (GTL) Products and State Availability

These are Guarantee Trust Life (GTL)'s current products and state availability for 2021, as well as information on contracting and appointment.

SBSA iGAP Guaranteed Issue Accident Plan

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State Availability

Current as of 02/05/2021 – Plan Year 2021

AL AR AZ DC DE GA HI IA IL LA MA MS NE NV OH OK PA SC TX VA WI WV WY

Plan Information

Current as of 02/09/2021 – Plan Year 2021

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.

Request a Product Kit for Guarantee Trust Life (GTL) SBSA iGAP Guaranteed Issue Accident Plan

We’ll email you a kit with brochures, commissions, and rates all specific to the state of your choice.

Request a Kit

SBSA 24 Hour Accident Coverage

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State Availability

Current as of 02/05/2021 – Plan Year 2021

AL AR AZ CA CO DC GA IA ID IL IN KY MI MO MS ND NE NM OH OK PA TN TX VA WI WV WY

Plan Information

Current as of 02/09/2021 – Plan Year 2021

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.

Request a Product Kit for Guarantee Trust Life (GTL) SBSA 24 Hour Accident Coverage

We’ll email you a kit with brochures, commissions, and rates all specific to the state of your choice.

Request a Kit

Cancer, Heart Attack and Stroke

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State Availability

Current as of 02/05/2021 – Plan Year 2021

AK AL AR AZ CO CT DC DE GA HI IA IL IN KS KY LA MD ME MI MN MO MS MT NC ND NE NM NV OH OK OR PA RI SC SD TN TX UT VT WA WI WV

Plan Information

Current as of 02/09/2021 – Plan Year 2021

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.

  • Issue ages: 18-90 (child rider available).
  • Guaranteed renewable for life.
  • Experimental treatment benefits included.
  • Benefits are paid directly to the policyholder or beneficiary.
  • E-App available.
  • Access to Ask Mayo Clinic.

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.

Request a Product Kit for Guarantee Trust Life (GTL) Cancer, Heart Attack and Stroke

We’ll email you a kit with brochures, commissions, and rates all specific to the state of your choice.

Request a Kit

Advantage Plus Hospital Indemnity

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State Availability

Current as of 02/05/2021 – Plan Year 2021

AL AR AZ CO CT DE FL GA HI IA ID IL IN KS KY LA MA MD ME MI MN MO MS MT NC ND NE NJ NM NV OH OK OR PA RI SC SD TN TX UT VA WA WI WV WY

Plan Information

Current as of 02/09/2021 – Plan Year 2021

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.

  • Guaranteed issue for ages 64 1/2 to 65 1/2.
  • Guaranteed renewable for life.
  • Observation stays covered.
  • Benefits paid directly to individual.
  • E-App available.

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.

Request a Product Kit for Guarantee Trust Life (GTL) Advantage Plus Hospital Indemnity

We’ll email you a kit with brochures, commissions, and rates all specific to the state of your choice.

Request a Kit

Medicare Supplement

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State Availability

Current as of 02/05/2021 – Plan Year 2021

AL AZ CO DE GA IA ID IL IN KS KY MD MI MN MS NC ND NE NV OH OK PA SC SD TN TX UT VA WI WV

Plan Information

Current as of 02/09/2021 – Plan Year 2021

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.

  • 12-Month rate guarantee.
  • Guaranteed renewability.
  • Automatic Adjustment of benefits.
  • Grace period.
  • 30-Day free look.
  • No pre-existing condition limitations.

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.

Request a Product Kit for Guarantee Trust Life (GTL) Medicare Supplement

We’ll email you a kit with brochures, commissions, and rates all specific to the state of your choice.

Request a Kit

Recover Cash - Short Term Nursing Home Care

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State Availability

Current as of 02/05/2021 – Plan Year 2021

AK AL AR CT DC DE GA IA ID IL KY LA MI MO MS MT NC NE NH NM NV OH OK OR PA RI SC TN UT VA WV WY

Plan Information

Current as of 02/09/2021 – Plan Year 2021

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.

  • Pays Benefits Directly to member.
  • Nursing Home & Assisted Living Facility Coverage.
  • Receive a 10% Spousal Discount.
  • Optional Short-Term Home Health Care Rider.
  • Optional Simple or Compound Increasing Inflation Protection Rider.
  • Zero-Day Elimination Period.
  • Benefits will restore once during the life of the policy.

Plans may vary by state.

Request a Product Kit for Guarantee Trust Life (GTL) Recover Cash - Short Term Nursing Home Care

We’ll email you a kit with brochures, commissions, and rates all specific to the state of your choice.

Request a Kit

Short-Term Home Health Care

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State Availability

Current as of 02/05/2021 – Plan Year 2021

AK AL AR AZ CO DC DE GA HI IA ID IL IN KS KY LA MD MI MO MS MT NC NE NV OH OK OR PA RI SC SD TN TX UT WV WY

Plan Information

Current as of 02/09/2021 – Plan Year 2021

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).

  • Benefits are paid directly to beneficiary.
  • Prior hospitalization stay is not required.
  • Can combine Short-Term Home Health Care Benefits with coverage for hospital stays and accidents to enhance coverage.
  • E-App available.
  • Access to ASK MAYO CLINIC ONLINE.

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.

Request a Product Kit for Guarantee Trust Life (GTL) Short-Term Home Health Care

We’ll email you a kit with brochures, commissions, and rates all specific to the state of your choice.

Request a Kit

Critical Cash/Critical Illness

View this information as a web page.

State Availability

Current as of 02/05/2021 – Plan Year 2021

AK AL AR AZ CO DC DE HI IA ID IL IN KS KY LA MD ME MI MN MO MS MT NC ND NE NJ NM NV OH OK OR SC SD TN TX WA WI WV WY

Plan Information

Current as of 02/09/2021 – Plan Year 2021

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.

  • Issue ages 18 to 84.
  • No elimination periods.
  • Guaranteed renewable.
  • E-App available.

Request a Product Kit for Guarantee Trust Life (GTL) Critical Cash/Critical Illness

We’ll email you a kit with brochures, commissions, and rates all specific to the state of your choice.

Request a Kit

Precision Care Cancer

View this information as a web page.

State Availability

Current as of 02/05/2021 – Plan Year 2021

AK AL AR AZ CO CT DE FL GA HI IA IL IN KS KY LA MD ME MI MO MS NC ND NE NM NV OH OK OR PA RI SC SD TN TX UT VT WA WI WV

Plan Information

Current as of 02/09/2021 – Plan Year 2021

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:

  • Analyzes a patient’s tumor “fingerprint” to see if there are therapies that have worked well before.
  • Allows the oncologist to match each patient with the best treatment based upon the underlying biology of your specific cancer.
  • Makes medicine more rational, personal, and precise by identifying molecular targets before treating the cancer.
  • Identifies whether targeted drugs that support your own immune system’s ability to fight cancer could be beneficial to you.

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.

  • Experimental Treatment and In Situ Benefits Included.
  • E-App available.
  • Access to Ask Mayo Clinic Online.

Additional Benefit Riders include: Cancer Benefit Builder, Child Coverage and Return of Premium riders.

Request a Product Kit for Guarantee Trust Life (GTL) Precision Care Cancer

We’ll email you a kit with brochures, commissions, and rates all specific to the state of your choice.

Request a Kit

Home Care Secure

View this information as a web page.

State Availability

Plan Information

Current as of 02/09/2021

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.

  • Weekly cash payments ranging from $400-$1200.
  • Lifetime max benefits ranging from $20,000-$60,000.
  • Five question eligibility process with simplified underwriting.
  • Guaranteed renewable.
  • One Lifetime Max Benefit buy-up option, up to $60,000 after year 3.
  • Optional Simple Inflation Protection Rider.
  • Claim Eligibility process.
  • E-App available.

Request a Product Kit for Guarantee Trust Life (GTL) Home Care Secure

We’ll email you a kit with brochures, commissions, and rates all specific to the state of your choice.

Request a Kit

Guarantee Trust Life (GTL) Documents

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