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If your policy number has nine numbers followed by the letter "A" (example: 999-999-999A), your policy is Student Accident policy, and you should contact Special Risk at 1-800-622-1993 or email special_riskdiv@gtlic.com.
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If your policy number has nine numbers followed by the letter "J" (example: 999-999-999J), your policy is Student Accident policy, and you should contact Special Risk at 1-800-622-1993 or e-mail special_riskdiv@gtlic.com.
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If your policy number has six numbers (example: 99-9999), your policy is a Credit Insurance policy, and you should contact Credit Insurance at 1-800-551-8274 or e-mail creditinsurance@gtlic.com.
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Customer Service:
What are your hours of operation?
Can I view or change my policy online?
Can I pay my premiums online?
How do I check on the status of my policy or get information on my policy?
How can I get a duplicate copy of my policy?
How do I reinstate my life policy?
How do I reinstate my health policy?
How can I change my address, beneficiary, or my name on my policy?
How can I find out what my policy value is?
Claims:
Can I submit a claim online?
How do I file a life insurance claim?
How do I file a Medicare Supplement insurance claim?
How do I file a claim on any other health insurance plan?
Did you get my claim?
How can I verify my benefits?
If none of these FAQs answer your question(s) or you have additional questions about your policy or benefits, please complete the Customer Service Inquiry Form. Please note that due to privacy laws, our responses to requests will be directed to the policyowner (life policy) or the insured (health policy) via mail.
What are your hours of operation?
Our skilled professionals are available to serve you Monday - Thursday, from 7 a.m. - 5 p.m. (CST), and Friday, from 8 a.m. - 12 p.m. (CST). Back
Can I view or change my policy online?
GTL does not currently offer access to policy information online. If you need information about your policy or other products or services, please contact the Customer Service unit at 1-800-338-7452. Back
Can I pay my premiums online?
No, GTL does not currently have an online payment option. However, you can pay your premium through your bank via electronic funds transfer, or you can send a check to our mailing address. Back
How do I check on the status of my policy or get information on my policy?
In order to get information on a policy, or the status of the policy, please call our Customer Service Department at 1-800-338-7452. Please have the name of the insured (the person insured by the policy) and the policy number ready when you call. Back
How can I get a duplicate copy of my policy?
To recieve a duplicate copy of your policy, please call Customer Service at 1-800-338-7452. Back
How do I reinstate my life policy?
If your policy has been lapsed, on Extended Term or on Reduced Paid Up for five years or more, reinstatement is not available. If your policy has been lapsed, on Extended Term or on Reduced Paid Up for less than five years, you may apply for reinstatement.
Please call our Customer Service Department at 1-800-338-7452 and our representatives will supply you with the necessary forms and inform you of the premiums needed to reinstate. When we receive your premium and completed reinstatement application, it will be sent to our Underwriting Department for approval. If approved, the premium will be applied and your policy will be reinstated; if it is not approved, your premium will be returned to you. Back
How do I reinstate my health policy?
If your health policy has been lapsed for more than six months, reinstatement is not available. If your policy has been lapsed for less than six months, you may apply for reinstatement.
Please call our Customer Service Department at 1-800-338-7452 and our representatives will supply you with the necessary forms and inform you of the premiums needed to reinstate. When we receive your premium and completed reinstatement application, it will be sent to our Underwriting Department for approval. If approved, the premium will be applied and your policy will be reinstated; if it is not approved, your premium will be returned to you. Back
How can I change my address, beneficiary, or my name on my policy?
Please complete a Policy Change Form, which must be signed by the owner of the policy.
For copies of the Policy Change forms, you can download PDF forms, or call the Customer Service Department at 1-800-338-7452. Please return the completed form with the policyowner’s signature to GTL by mail to:
Guarantee Trust Life Insurance Company
ATTN: Policyowner Services
1275 Milwaukee Ave
Glenview, IL 60025
PLEASE NOTE: We cannot proceed with any changes without the signature of the policyowner. For some life insurance policies, ownership may change. All requests will be confirmed by mail to the policyowner. Back
How can I find out what my policy value is?
The policy value can only be given to the owner of the policy. To receive information on the value of the policy, please call the Customer Service Department at 1-800-338-7452. Back
Can I submit a claim online?
GTL does not allow for online claims submission at this time. To submit a claim, read below, or call the Customer Service Department at 1-800-338-7452. Back
How do I file a life insurance claim?
A beneficiary, family member, or funeral home should call our Customer Service unit at 1-800-338-7452 with the following information:
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Insured's name
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Policy number
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Date of death
Customer Service will verify that we have a life policy in force and advise what documentation will be needed to file the claim. The length of time the policy has been in force will determine the different information required.
The initial documentation needed includes:
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Completed claim form by the beneficiary or beneficiaries (form will be provided by GTL)
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Certified death certificate (original, not a copy)
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The original policy (if available)
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Copies of any police or autopsy reports, if applicable
Customer Service will mail a letter listing these initial documents and provide the claim form to be completed. Once this initial documentation is returned to GTL, your Claim Representative will review the claim and notify you if any additional forms or information is required. Back
How do I file a Medicare Supplement insurance claim?
Medicare Part A (Inpatient Hospital-Skilled Nursing Facilities)
Most often your provider will communicate directly with Medicare to ensure payment for benefits due under the Medicare program. If after Medicare has paid their portion, you still need to file for Part A supplement benefits, the provider can most often send us the correct forms we need in order to process your claim and then provide benefits directly to the provider.
If your provider does not submit the forms for you, please send us the hospital or nursing home bill and the Explanation of Medicare Benefits (EOMB). No claim forms are necessary and as soon as we receive the required statements, your claim will be promptly processed.
Medicare Part B (Doctors-Outpatient Facilities)
Claims for Part B are submitted to us automatically and electronically from Medicare through what is called the Crossover Program. We send Medicare a file every two weeks listing all our current Medicare policyholders. In turn, once Medicare finishes processing their Part B claims, they will then forward to us any claims on our policyholders.
If you elected to participate in the Crossover Program, your provider will send your claim information to Medicare, Medicare will process their payment to the provider and they will send us a copy of your claim so we can process your supplement benefits. There are no claim forms necessary and as soon as we receive the claim, we will process your benefits.
If you elected not to participate in the Crossover Program by opting out, then you are responsible for obtaining the bills and Medicare EOMB (Explanation of Medicare Benefits) statements from your provider and Medicare, and submitting them to us.
Mail to:
Guarantee Trust Life Insurance Company
P.O. Box 1144
Glenview, IL 60025
If you have any questions about the claims process, please call us at 1-800-338-7452 or e-mail us at claims@gtlic.com. Back
How do I file a claim on any other health insurance plan?
GTL has a large variety of health plans for both individual and group coverage. The claim form needed could be different for each type of coverage. Please contact our Customer Service Department at 1-800-338-7452 and have your policy number or member ID ready to provide to our representatives. Back
Did you get my claim?
To confirm receipt of your claim, please call 1-800-338-7452. Back
How can I verify my benefits?
To confirm the benefits of your policy, please call 1-800-338-7452. Back