Hospital Indemnity

What are the Benefits of selling Guarantee Trust Life (GTL) Hospital Indemnity policies?

• 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
    • 24 hours is included in the 3 and 6-day benefit periods.
  • Ambulance
    • Pays a daily $200 benefit  up to four times a year and subject to a lifetime maximum of $2,500. No hospital confinement is required.
  • Dental/Vision
    • Annual benefit of up to $400, $800 or $1,200 for services
      performed, including $200 for prescription eye glasses or contact lenses.
  • Lump Sum Cancer
    • $250, $500 or $750 lump sum benefit. Restores after 60 days of no hospital confinement.
  • Skilled Nursing Facility
    • $100, $150 or $200 per day from days 1 through 50. Confinement must take place within 30 days of three or more consecutive days of hospital
      confinement or observation.
  • Outpatient Surgical
    • $250, $500, $750 or $1,000. Payable no more than two times per year.
  • Lump Sum Hospital Confinement
    • $250, $500 or $750 lump sum benefit. Restores after 60 days of no hospital confinement.

Long Term Care/Home Health Care

What are the Benefits of selling Guarantee Trust Life (GTL) Long Term Care/Home Health Care policies?

• Applicants accepted from age 40 to age 85
  • This is an ideal option for individuals who can not health-qualify for traditional long-term care insurance BUT still want some potential coverage (especially care at home)
  • It’s also a great complement for those who have Medicare Advantage and Medicare Supplement coverage
• This policy will pay for the services of a Home Health Care Aide