The Insurance you need at a Price you can live with

No Exam Whole Life Insurance with GTL (Guarantee Trust Life)

Your entire life you have planned to ensure that your family has everything they need -- a home, food, clothing, education, and security.  But have you thought about planning for one of the most important decisions of your life.

As families develop and grow so does the added financial responsibilities.  Guarantee Trust Life Insurance Company's (GTL) whole life plans provide guaranteed protection and level rates for a lifetime. 

• Product Plan Details - Whole Life Insurance

  • Preferred Plan Features

  • Standard Plan Features

  • Graded Plan Features

• Living Benefits

• Underwriting Requirements

• Exclusions

Product Plan Details - Whole Life Insurance:

Whole life insurance (sometimes called straight life or permanent life) - provides protection for your entire life at guaranteed fixed premium (qualified eligible applicants).  GTL offers three plans based on demographics and health history. 

 

Preferred Plan:  Great health means great rates.  It is important that you insure your insurability.  This is the time for you to buy insurance because you never know what the future holds and you should lock in the great rates guaranteed for life.

• Issue ages: 6 months - 65 years of age

• Death Benefits available:

  • $10,000  - $50,000 for ages 6 months to 49

  • $3,000 - $25,000 for ages 50 to 6

No Exam Whole Life Insurance Quote With GTL

Standard Plan:   Ok, so you have had a minor health setback, overweight, or over the age of 65.  The Standard plan is a whole life policy that provides guaranteed protection for life at guaranteed standard rates.  These rates are guaranteed to stay level for life..

• Issue ages: 6 months - 85 years of age

• Death Benefits available:

  • $10,000  - $50,000 for ages 6 months to 49

  • $3,000 - $25,000 for ages 50 to 85

  • Request Your Free Quote

*Graded Plan:  not everyone has a clean bill of health, the graded plan was designed to accommodate situations where clients do not qualify for the preferred or standard plan.  Many times this is the last option available for individuals to qualify for whole life insurance.

• In the event of your death during the first two policy years, GTL will return the premium paid plus 10%.  GTL will pay full benefits thereafter. (MN applicants see note #1)

  Accidental Death Benefit:  Full benefits for accidental death from the first day the policy is issued.  (Not Applicable in: AR)

  Issue ages: 50 to 80 years (MN applicants see note #2. MO applicants see Note #3)

• Death Benefits available:

  • $3,000 - $25,000 for ages 50 to 80

  • Request Your Free No Exam Whole Life Quote

Living Benefits:GTL's Whole Life plans also contain Living Benefits, which allow you to receive 75% of the death benefit in the event of a terminal illness or permanent nursing home confinement.  This Benefit is added to your coverage at no extra cost.  (Living benefits are not available on the graded plan.)  (Nursing Home Trigger not available in KS and OK)  (Living Benefit Rider not available in MD, MA, NJ, PA, SC, TX, VT & VA)

 

Underwriting Requirements:

• 5 minute online quote & application - the online system will qualify you for what plan (preferred, standard, graded, none) you are eligible to receive based on your input into the online quote/application engine.

  No Medical Exam

• Ages 76 and over - telephone interview

Plan Exclusions:

    The following exclusion applies: 

• Guarantee Trust Life Insurance Company will not pay life insurance benefits for suicide while sane or insane (in MO, only while sane) before coverage has been in force for two years.

• Request Your Free No Exam Whole Life Quote

Notes:

#1: MN, 1st and 2nd year death benefits are four times the first year premium.  Full benefits thereafter.

#2: MN, Issue Ages: Male 50-75 and Female 50-80

#3: MO, Issue Ages: 50-75

>> "No optional riders available"

*  Graded Plan is not available in all states.  Percentages may vary in certain states.