Guarantee Trust Life (GTL) Contracting and 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 the 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 GTL's current policies and state availability for 2018.

Accident Plan

SBSA iGAP

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

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. Access to Ask Mayo Clinic!

Select Benefit Services Association (SBSA) offers eConnect Wellness, Vitamins and Supplements, and Multilife a new patented group term life insurance along with other SBSA discounts and services.

Accident Plan - SBSA 24 Hr

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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. Plans may vary by state.

Select Benefit Services Association (SBSA) offers Teladoc, speak with a live board certified physician; Pharmacy Discount, and Dental Discounts along with other SBSA discounts and services.

Cancer, Heart Attack & Stroke

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Issue ages 18 to 90.

Cancer, Heart Attack and Stroke Insurance is flexible. Choose the policy that fits: Lump sum Cancer and/or Lump sum Heart Attack and Stroke; benefit amount paid directly upon the diagnosis of cancer and/or upon suffering a heart attack or a stroke, as defined in the policy. Experimental treatment benefits are included.

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.

Benefits are paid directly to the policyholder or beneficiary.

Access to Ask Mayo Clinic.

Cancer, Heart Attack & Stroke - Critical CASH/Critical Care

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Issue ages 18 to 84; Critical Cash offers flexibility. Custom design a plan: choose your covered conditions, choose your monthly base benefit, choose your benefit period, choose how base benefits are paid, and choose your monthly facility benefit: Assisted Living Facility or Nursing Home. 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. 

You can claim multiple times with the Built-in Restoration of Benefits; and the Lifetime Maximum Benefit is included in the policy.

Hospital Indemnity

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Guarantee issue ages 64 1/2 to 65 1/2. A simple yes or no application for others.

Observation stays are covered.

Pays up to $600 per day.

Advantage Plus will pay benefits for hospital confinement and for a short hospital stay between 12 to 24 hours, hospital observation stays, mental health, and emergency room benefits.

Optional benefit riders are Short Stay, Ambulance, Dental/Vision, Lump Sum Cancer with Recurrence Benefit, Skilled Nursing Facility, Outpatient Surgical and Lump Sum Hospital Confinement, may vary by state.

Benefits are paid directly to the policyholder or beneficiary.

Medicare Supplement

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Select from Plan A, B, C, D, F, HDF, G or N, may vary by state.

Full suite of products on one contract.

12-month rate guarantee on all plans.

No pre-existing condition limitations ~ coverage is available immediately.

Household discount where available

The GTL e-App is a state-of-the-art tool designed to provide an easy platform to quote and submit business electronically using any type of device without being connected to the internet. The same application can be used from a desktop computer by logging into GTL’s website.

The e-App calculates rates, captures signatures and displays state specific forms. 

Short-Term Care - Recover Cash

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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.    

Restoration of Benefits will restore once during the life of the policy when, for six consecutive months, covered care or services are no longer needed.

Optional benefit riders are Short-Term Home Health Care and Inflation Protection: Simple or Compound Increasing, to help protect from increasing health care costs.

Benefits are paid directly to the policyholder or beneficiary. Plans may vary by state.

Short-Term Care - Home Health Care

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Home Health Care Aide Benefit: a daily benefit amount will be paid when Home Health Care Aide services are required when there’s an inability to perform two or more ADL or have a Cognitive Impairment. Prior hospitalization stay is not required. 

Restoration of 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 to no longer require home health care or nursing care services.  

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, and Dental/Vision. Plans may vary by state.

Benefits are paid directly to the policyholder or beneficiary. Access to Ask Mayo Clinic!

Optional Return of Premium Benefit is available in some states.

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