Guarantee Trust Life (GTL) Contracting & Appointment

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State Availability

Last review date: 10/16/2023

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

GTL’s iGAP coverage is a Group Accident product. A SBSA membership is needed to purchase coverage and the SBSA application is included. 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.

The iGAP coverage comes bundled with benefits thatcan help you pay out-of-pocket medical expenses that may not be covered under your major medical policy. What makes GTL’s iGAP coverage unique is that once you choose a benefit amount, your coverage will pay benefits to pay for costs associated with accidents, hospital stays and critical illnesses such as cancer, heart attack and stroke.

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.

Select Benefit Services Association (SBSA) offers eConnect Wellness, Vitamins and Supplements discounts, and other SBSA discounts and services.

E-App and voice verification available.

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State Availability

Last review date: 10/16/2023

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

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.

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State Availability

Last review date: 10/13/2023

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

Issue ages 18–90.

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 $50,000 for Cancer and $50,000 for Heart Attack and Stroke (HAS) depending on specific needs.

Plan benefit amounts: Up to $50,000, ages 18 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.

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State Availability

Last review date: 09/27/2023

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

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.

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State Availability

Last review date: 10/02/2023

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

Plan Information

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.

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State Availability

Last review date: 10/03/2023

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

Plan Information

Issue ages 40–84.

GTL’s Recover Cash benefits are flexible. You can choose a daily benefit for care in a nursing home and/or assisted living facility. Or you can choose benefits for care in a nursing home, assisted living facility and at home.

Nursing Home and/or Assisted Living Facility Benefit

Once the one-time Elimination Period has been met under the policy, GTL will pay the daily benefit amount for each day you are confined in a qualified nursing home or assisted living facility.

The bed reservation coverage will pay up to a maximum benefit of 10 days if you return to the
facility where you resided prior to your hospital confinement. The covered lifetime maximum is 20 days.

• Three levels of care:  Custodial, Intermediate, and Skilled.
• Pays $50-$300 per day in $10 increments
• Elimination Period of either 0 or 20 days
• Benefit Period Options of 30, 45, 60, 90, 180, or 360 days.

Home Health Care Rider with Family Caregiver Support

GTL’s innovative Home Health Care Rider will pay the Home Health Care Weekly benefit amount up to the Home Health Care Benefit Maximum selected, when you receive qualified care at home.

GTL will pay the selected benefit per week after you receive at least 3 covered home health care service or treatment visits of at least 1 hour per visit from a Licensed Home Health Care Practitioner.

The Home Health Care Rider is paired with GTL’s Caregiver Benefit Rider.

• Home Health Care Benefit Levels per person: $50-$1,400 per week in $50 increments
• Elimination Period of either zero or 20 days
• Benefit Period Options are either 26 0r 52 weeks
• Family Caregiver Benefit: $3,500 earmarked to help offset your loved one’s expenses
• Access to TCARE’s Family Caregiver Support Service

Plans may vary by state.

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State Availability

Last review date: 09/29/2023

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 WV WY

Plan Information

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
• TCARE, $3,500 caregiver lump sum for family member (not in all states)

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.

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State Availability

Last review date: 10/09/2023

AK AL AR AZ 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

Issue ages 18–84.

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.

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State Availability

Last review date: 10/09/2023

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

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 $50,000 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.

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

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State Availability

Last review date: 10/04/2023

AL AR AZ CO GA IA IL IN KS KY LA MI MO MS NC NE OH OK PA SC TN TX

Plan Information

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.
• Quick Claim Eligibility process.
• E-App available.

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State Availability

Last review date: 10/06/2023

AL AR AZ GA IA IL IN KS KY LA MI MO MS MT NC NE OH OK SC TN TX VA WI WV

Plan Information

Issue ages 18–64.

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.

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State Availability

Last review date: 09/27/2023

AL AR AZ CT FL GA HI IA IL KS KY LA MD MI MN MO MS MT NC ND NE NV OH OK PA RI SC SD TN TX UT VA WI WV WY

Plan Information

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 70 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.