GTL offers a nice portfolio of competitive health, accident, life and special risk insurance products. The family values on which GTL was founded motivates them to build on the importance of personal customer service, quality products and successful relationships. Through their independent agents and brokers, GTL serves individuals and families in 49 states and the District of Columbia.

Click on the link to the left to take a closer look at this outstanding “Perfect Portfolio” plan.  Here are just a few featured highlights*:

• Issue Ages from 18-84 — Up to $6,000/Mos. Coverage
• Three Plans — Comprehensive, Cancer Care Plus, Cardiac Care Plus (ALL include Alzheimer’s)
• Over 90% Issue Rate
• Three Main Knockout Questions:
  1. Past 10 years — list of approx. 25 MAJOR health conditions;
  2. Past 5 years — alcohol/drug issues or CURRENTLY confined to ALF or NH;
  3. Past 2 years — abnormal test results, awaiting test results, advised to have test/seek treatment but have not done so.
• Prescription Drug & MIB check — no automatic phone interview or APS check (seldom at UW’s discretion).

Product Details*:

• Three plans to choose from: Critical Care (Comprehensive), Cancer Care Plus or Cardiac Care Plus
• Automatic Restoration of Benefits
• Monthly Base Benefit Amounts between $500 and $3,000¹ (in $250 increments)
• Benefit Period Options: 6, 12, 18 or 24 months
• Additional Benefits paid when confined to an Assisted Living Facility²
• Additional Benefits paid when confined to a Nursing Home²
• Optional Return of Premium rider
• Issue Ages: 18 – 84

Here are some additional details, highlights and features:*

• Issue Ages of 61-85
• Daily Maximum Benefits:
  • Plan A: $150/day
  • Plan B: $300/day
  • Plan C: $450/day
• Maximum Benefit Period of 360 days
• Built-in Home Health Care Aide Benefit
• Built-in Prescription Drug Coverage
• Automatic Restoration of Benefits
• Additional Benefits to Choose From:
  • Return of Premium death benefit rider*
  • Accident & Sickness Hospitalization Rider
  • Critical Accident Rider
  • Ambulance Benefit Rider
  • Dental/Vision Rider
• Automatic Access to Mayo Clinic 24-Hour Nurseline

Here are some additional details, highlights and features:*

• Issue Ages of 35-84
• Weekly Cash Payments between $400 – $1,200
• Lifetime Maximum Benefits from $20,000 – $60,000
• 5-Question eligibility with simplified underwriting
• Guaranteed Renewable
• Benefit Upgrade Opportunities available (>3 years in force)
• Coverage also includes:
  • Assessments to measure client’s well-being over time
  • Coordination Services to help clients find, schedule and manage care
  • Tools & Guidance to build an informed plan for aging at home
  • Access to free in-home telehealth visits

Here are some additional Recover Cash details, highlights and features:*

• Issue Ages of 40-84
• Daily NH &/or ALF Benefit Amounts from $50-$300
• NH &/or ALF Benefit Period Options of 30, 45, 60, 90, 180 or 360 Days
• Optional HHC Rider with $25, $50 or $75 Per Visit for 90 or 180 Visits
• Elimination Period Options of 0-Day or 20-Day
• 5% Simple or Compound Inflation Rider Options
• 10% Spousal Discount when both spouses apply
• $25 Annual Policy Fee
• Streamlined Underwriting:
  • Yes/No Application
  • Build Chart
  • Prescription Drug history check (all applicants)
  • Personal History Interview (all applicants 75+, only for cause for applicants under 75)
  • APS only required for cause, at applicant’s expense

Here are additional details, highlights and features:*

• Issue Ages of 18-90
• Lump Sum coverage up to $75,000
  • (Maximum Benefit for ages 66-90 is $50,000
• Experimental Treatment & In Situ Benefits included
• Optional Riders to Choose From:
  • Cancer Benefit Builder Rider
  • Child Coverage Rider
  • Return of Premium:
    • ROP after 20 years for ages 50-65 (15 years for ages 66-70)
    • ROP upon death (prior to age 86)
    • ROP upon death
• Automatic Access to Mayo Clinic 24-Hour Nurseline

Advantage Plus Elite is designed to help cover out-of-pocket expenses in your client’s Medicare Advantage Plan.

Here are some additional details, highlights and features:*

• Issue Ages of 40-85
• Guaranteed Issue for Ages 64½ to 65½
• 1-Day Benefit period = $1,000-$2,500 benefit
• Benefit Periods of 3, 4, 5, 6, 7, 8, 9, 10 or 15 Days = $100-$750/Day
• Unlimited Amount of Benefit Restoration
• Short Duration (6-24 Hours) Hospital Stay Coverage:
  • 1-Day Benefit Period includes 25% Hospital Stay benefit
• Covers BOTH Hospital Confinement AND Observation
• Optional Benefit Riders Include:
  • Ambulance Rider, $50 to $400, up to 4xyear; lifetime max 12 trips
  • Outpatient Therapy Rider, $50/day for Physical/Occupational/Speech Therapy
  • Lump Sum Cancer Rider (includes Skin Cancer) $2,500-$20,000
  • Outpatient Surgery Rider
  • Critical Accident Benefit Rider: $5,000 or $10,000 lump sum
  • Lump Sum Hospital Rider: $250, $500 or $750 lump sum
  • Dental & Vision Rider

More states are approving the new Advantage Plus Elite.  Be sure to check the state availability link below.

Advantage Plus is designed to supplement your clients’ current health insurance plan and fill some of the co-payments, deductibles or coverage limits they would be responsible for should they need care.

Here are some additional details, highlights and features:*

• Issue Ages of 40-85
• Guaranteed Issue for Ages 64½ to 65½
• Between $100-$750/Day Hospitalization Benefit
  • 1-Day Benefit period = $1,000-$2,500 benefit
• Benefit Periods of 1, 3, 6, 10 or 21 Days Available (w/ Restoration)
• Short Duration (12-24 Hours) Hospital Stay Coverage:
  • Included with 3 or 6-Day Benefit Periods
  • 1-Day Benefit Period includes 25% Hospital Stay benefit
  • available as a rider with 10 or 21-day Benefit Periods
• Covers BOTH Hospital Confinement AND Observation
• Optional Lump Sum Cancer Rider (includes Skin Cancer) $2,500-$20,000
• Optional Skilled Nursing Facility Rider – Two Options:
  • $100, $150 or $200 for Days 1-50, OR
  • $120 per day for Days 21-100
• Optional Ambulance Benefit Rider
• Optional Critical Accident Benefit Rider: $5,000 or $10,000 lump sum
• Optional Dental & Vision Rider
• Optional Outpatient Surgery Rider

Below are highlights and features of GTL’s Heritage Plan: *

• Issue Ages: 50 – 90
• Death Benefit Amounts:
  • Ages 50-85: $2,500 to $20,000
  • Ages 86-90: $2,500 to $10,000
• Guaranteed Premiums – premiums never increase
• Guaranteed Benefits – as long as premiums are paid, benefits cannot be changed or cancelled
• Fully online application process with integrated telephone sigature
  (no paper application available or accepted)
• No MIB or Medical Exam needed – Eligibility based on 5 health questions on app
• ACH Bank Draft for premium payments only (no paper checks, credit or debit cards accepted for payments)
• Competitive commissions paid weekly; up to 6-month advance available

Plus, with any of the eight plans, policyholders will also receive non-insurance discounts on these items and more:

• Car Pricing & Rentals
• Travel
• Hotel and Motel
• Moving Services
• Fitness Health
• And More!

All of the plans have these features: *

• No Pre-Existing Condition Limitations Coverage is available immediately.
• Guaranteed Renewability Medicare Supplement insurance is guaranteed renewable for life. This means that as along as premiums are paid on time, your client’s policy can never be cancelled.
• Choose Your Own Doctor Insureds can choose the physician or specialists that they prefer rather than choosing one from a list.
• No Pre-approvals Needed Insureds can go directly to their physician without a pre-approval of treatment needed.
• 30-Day Free Look If your client is not completely satisfied with their Medicare Supplement insurance policy, he or she may simply return the policy within 30 days of receipt for a complete refund of all premiums paid.