Life and Health
How do I file a health insurance claim?

GTL has a large variety of health plans for both individual and group 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. To access our online library of claims forms, CLICK HERE.

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. If the policy has lapsed one year or more, at least three years of medical records will be required.  

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.

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.

How do I file a Life Insurance claim?

A beneficiary, family member or funeral home should call our Customer Service Department at 1-800-338-7452 with the following information:

  • Insured’s name
  • Policy number
  • 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:

  • Completed claim form, including HIPAA form, by the beneficiary or beneficiaries (forms will be provided by GTL)
  • Certified death certificate (original, not a copy)
  • The original policy (if available)
  • 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 are required.

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 1-800-388-7452 or e-mail us at claims@gtlic.com.

Student Insurance
How can I enroll in the Student Accident/Health plan?

To enroll, please contact your school and ask for the person who handles student insurance questions.

Is my school involved in your Student Accident/Health plan?

To find out if your school is involved in our insurance plan, please contact your school and ask for the person who handles student insurance issues.

How can I find out what my policy covers?

If you have questions about the benefits your policy offers or claims, please call the Special Risk Claims Department at 1-800-622-1993.

Who should I call if I have questions about my policy?

If you have questions about eligibility or premiums, you must contact your agent or school.

Are pre-existing conditions covered?

Coverage of pre-existing conditions depends on the type of plan you have. Please review the brochure and plan materials you received for more information, or call 1-800-622-1993.

How can I extend or renew my coverage?

To extend or renew your coverage, you need to talk to your agent. If you don’t know who your agent is or have no contact information for him/her, please call 1-800-622-1993, ext. 2010.

Is there a list of approved doctors I can use under my plan, or can I choose any doctor I like? Do I need a referral to see a specialist?

It depends on the plan. To find out if you need to use an approved doctor or need a referral to see a specialist under your plan, please call your plan administrator, as noted on the brochure and materials you received when you enrolled in the plan. If you don’t know who your plan administrator is, please call 1-800-622-1993, ext. 2010.

Is hospitalization or partial hospitalization covered under my plan?

It depends on the plan. To find out if hospitalization is covered under your plan, please call your plan administrator, as noted on the brochure/certificate you received when you enrolled in the plan. If you don’t know who your plan administrator is, please call 1-800-622-1993, ext. 2010.

How can I check the status of my claim?

To check the status of your claim, please call our Claim Office at 1-800-622-1993 or click here to submit your inquiry. Make sure you have your Group number, Social Security Number, provider name, type of service, and amount of claim on hand when you call or included in your e-mail. Please note that we may not always be able to respond to your inquiries or requests by e-mail due to our privacy policy.

How do I file a claim for prescriptions?

It depends on the type of plan you have. If your plan provided you with a prescription card to present to the pharmacist, the pharmacy will take care of the claim. If your plan did not provide a prescription card, you will have to complete a claim form and send it in to us with the receipts from the prescription.

Who should I call if I have questions about my claim?

If you have questions about your claim, please call our Claim Office at 1-800-622-1993. Make sure you have your Group number, Social Security Number, provider name, type of service, and amount of claim on hand when you call.

Customer Service
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).

Can I view my policy online?

The majority of our policies are available online but should you find yours is not available, please contact the Customer Service Department at 1-800-338-7452.

Can I pay my premiums online?

Yes! GTL is happy to provide this option. Click Here for Online Bill Pay.

How do I check on the status of my policy or get information on my policy?

Please call our Customer Service Department at 1-800-338-7452. It is helpful to have the name of the insured (the person insured by the policy) and the policy number ready when you call.

How can I get a duplicate copy of my policy?

To receive a duplicate copy of your policy, please call the Customer Service Department at 1-800-338-7452.

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’s not approved, your premium will be returned to you.

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’s not approved, your premium will be returned to you.

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 listed below, or call the Customer Service Department at 1-800-338-7452.
Please return the completed form with the Policyowner’s signature to GTL at the following address:

Guarantee Trust Life Insurance Company
ATTN: Policy Owner Services
1275 Milwaukee Ave.
Glenview, IL 60025

Policy Change Form – Correction
Policy Change Form – Beneficiary
Policy Change Form – Ownership
Policy Service Form – Annuity Withdrawal/Surrender
Policy Service Form – Loan Request
Policy Service Form – Non-Forfeitures

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.

How can I find out what my policy value is?

The policy value can only be given to the Policyowner. To receive information on the value of the policy, please call the Customer Service Department at 1-800-338-7452.

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.

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:

Insured’s name
Policy number
Date of death

Customer Service will verify we have a life policy in force and advise what documentation is needed to file the claim. The length of time the policy has been in force will determine what information is required.

The initial documentation needed includes:

Completed claim form by the beneficiary or beneficiaries (form will be provided by GTL)
Certified death certificate (original, not a copy)
The original policy (if available)
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.

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.

Did you get my claim?

To confirm receipt of your claim, please call the Customer Service Department at 1-800-338-7452.

How can I verify my benefits?

To confirm the benefits of your policy, please call the Customer Service Department at 1-800-338-7452. If you wish to make a change, click on the appropriate form below. Please mail the completed form with the Policyowner’s signature to GTL at the following address:

Guarantee Trust Life Insurance Company

ATTN: Policy Owner Services

1275 Milwaukee Ave.

Glenview, IL 60025

Policy Change Form – Correction
Policy Change Form – Beneficiary
Policy Change Form – Ownership
Policy Service Form – Annuity Withdrawal/Surrender
Policy Service Form – Loan Request
Policy Service Form – Non-Forfeitures