Life Insurance

If you don't have life insurance, you should consider the consequences. What will happen to your family if you die? How will your funeral and burial be paid for? How will your family pay the bills? How will they afford housing, food or tuition? Life insurance is an important step towards financial security, helping to ensure that your loved ones will have a way to help pay the bills.

The death benefit from a life insurance policy can be used to help pay:
      Mortgage payments
      Tuition and educational costs
      Household bills
      Funeral expenses

Guarantee Trust Life Insurance Company (GTL) offers a varied portfolio of life insurance products to meet your specific needs:

Whole Life Insurance - Life insurance that provides coverage during the insured's entire lifetime provided that premiums are paid as specified in the policy.
Term Insurance - Life insurance that provides coverage during a specified time period.
Life Insurance with Critical Illness coverage - Term life insurance with coverage that allows the insured to receive a portion of the policy's death benefit in the event of critical or terminal illness.
Graded Benefit Life - Whole life and terms plans with no routine medical requirements or attending physician statement (APS).

For Individuals Families with Children For Seniors For people who have difficulty getting life insurance
Term Insurance to help pay mortgages Whole Life for Children Lifetime Term Graded Benefit Life
Term Life with Critical Illness Coverage Term insurance to help pay mortgages Term Life with Critical Illness Coverage  
  Term Life with Critical Illness Coverage    


Term Insurance

GTL's Home Alliance
A home is much more than a building. It is the memories that you've shared with your family and the work that you put into it. That is why GTL offers the Home Alliance term life insurance plan. If the insured should die, the plan would pay the benefit to the beneficiary to help pay for expenses such as:
      the mortgage
      college tuition
      household bills
      funeral and burial expenses
      spousal income replacement

A selection of optional benefit riders, including spouse and child coverage, Waiver of Premium, Accidental Death, and a Return of Premium rider are also available.
GTL's Home Alliance Plans include:
      10-Year Plan: eligible ages 18-65
      15-Year Plan: eligible ages 18-60
      20-Year Plan: eligible ages 18-55
      30-Year Plan: eligible ages 18-45
      30-Year Plan with a 20 year Rate Guarantee: eligible ages 18-45
      30-Year Decreasing Term Plan: eligible ages 18-40.

For more information on this insurance product, please click here to complete an Inquiry Form.

NOTE: Not all of our products are available in all states where we are licensed. The above plans/riders have exclusions, limitations and terms under which the plans may be continued in force. Availability, Features, Benefits and Options may vary by state. For costs and complete details, please call us toll-free at 1-800-323-6907. Back

Critical Provider
Critical Provider plan is a unique term life insurance policy with a Critical and Terminal Illness Benefit Rider.

Most of us are not prepared for the financial strain that we could experience should we survive a critical or terminal illness. The Critical Provider plan has been created to help protect us from financial burden.

Under either plan, the policy benefit is paid directly to you while you are alive and can be used to:
      Cover health insurance deductibles or copays
      Replace lost income
      Take a vacation to recuperate
      Cover any other needs to help you maintain your quality of life

Critical Provider will accelerate a direct percentage of your term life insurance policy's death benefit for the following diagnosed illnesses:
      100% Death from any cause
      100% Heart Attack
      100% Stroke
      100% Life Threatening Cancers
      100% Major Organ Transplant
      100% Coronary Bypass Surgery
      100% Renal Failure
      100% Alzheimer's Disease
      75% Terminal Illness -- any cause
      75% Confined to nursing home
      10% Angioplasty (payable one time)

The total amount accelerated will not exceed the lesser of the policy face amount or $100,000.

For more information on these insurance products, please click here to complete an Inquiry Form.

NOTE: Not all of our products are available in all states where we are licensed. The above plans/riders have exclusions, limitations and terms under which the plans may be continued in force. Availability, Features, Benefits and Options may vary by state. For costs and complete details, please call us toll-free at 1-800-323-6907. Back

Graded Benefit Life
Graded Benefit Whole Life is a whole life insurance policy that has no routine medical requirements such as a paramedical exam or APS (Issue ages: 20-80). In order to qualify, you must complete an application with health questions.

Graded Benefit Term is a renewable term policy that is convertible to whole life through age 64. This policy has no routine medical requirements such as a medical exam or APS (Issue ages: 20-70). To qualify, you must complete an applications with health questions. Back

For more information on this insurance product, please click here to complete an Inquiry Form.

NOTE: Not all of our products are available in all states where we are licensed. The above plans/riders have exclusions, limitations and terms under which the plans may be continued in force. Availability, Features, Benefits and Options may vary by state. For costs and complete details, please call us toll-free at 1-800-323-6907.