• Lump Sum Rider:
This rider provides a lump sum benefit between $1,000 and $10,000 upon first diagnosis of cancer. If you select both the Critical Illness rider and the Lump Sum rider, an additional single payment will be paid upon diagnosis of cancer, or any of the other critical illnesses.
• Guaranteed Renewable for Life:
The policy is guaranteed renewable. This means that as long as premiums are paid, your policy can never be cancelled. • Individual or Family Coverage Available:
Choose the plan that fits your needs. • Benefits Paid to You:
Benefits are payable in addition to any other insurance coverage you may have.
• Four Different Plans Available:
Benefit amounts are flexible depending on your specific needs.
• Coverage for Critical Illness:
Choose this rider and you will receive inpatient, outpatient, and surgical benefits for other covered critical illness* according to the policy’s schedule. Benefit amounts are flexible depending on your specific needs.
MOST OF US KNOW SOMEONE –
WHETHER IT’S A FRIEND, FAMILY
MEMBER, OR NEIGHBOR – whose life
has been affected by cancer, or other critical
illness. Because these diseases are the
leading causes of death in the United States,
the statistics are a concern to us all.
FEATURES OF GTL’S SUPPLEMENTAL SOLUTIONS
SPECIFIED DISEASE PLAN
• YOUR LIFETIME RISK OF DEVELOPING CANCER IS 1 IN 2 FOR MEN AND 1 IN
3 FOR WOMEN.1
• APPROXIMATELY 1 MILLION AMERICANS SUFFER A HEART
ATTACK EACH YEAR.2
• 931,000 AMERICANS SUFFERED A STROKE IN 2001.2
• EACH HEART ATTACK COSTS A MINIMUM OF $150,000.3
• 43% OF THE OVERALL COSTS OF STROKES ARE INDIRECT COSTS.4
1 American Cancer Society Cancer Facts nd Figures 2004
2 Medline Plus
3 Early Warning Healthcare Institute 4 University of Utah Health Services
Guarantee Trust Life’s Supplemental Solutions
is supplemental coverage designed to fill the gaps in
traditional health plans to provide you with more complete
protection against the costs of living with cancer or
suffering from other critical illness.
Under this plan, a host of benefits for inpatient,
Supplemental Solutions Specified Disease Plan will pay the following benefits for treatment upon First Diagnosis of Cancer, as defined in the policy. If you select the Critical Illness Rider*, you will receive additional benefits. There is a lifetime maximum on all benefits of $250,000. • Hospital Confinement – Up to $410 per day
For each day of hospital confinement, beginning with day 1 through day 90.
• Extended Hospital Confinement – Actual charges up to $600 per day
Beginning with day 90 of consecutive hospital confinement. • Hospital Confinement Inflation Fighter – Up to $20
per day
Increases the hospital confinement benefit each year for the first 5 years the policy is in force.
• Daily Room Benefit – Up to $300 per day
During the first 70 days of hospital confinement. Paid in addition to the hospital confinement benefit.
• Inpatient Drugs and Diagnostic Testing – Actual charges up to $50 per day
For medications received or diagnostic testing.
• Attending Doctor – Actual charges up to $40 per day For services while confined in a hospital.
• Attending Nurse – Actual charges up to $125 per day For full time services of a nurse while hospital confined, other than those nursing services regularly
furnished by a hospital.
• Ambulance Benefit – Actual charges up to $300 per trip
For transportation to or from a hospital where you are confined as an inpatient up to 4 trips per year.
• Surgical Procedure – Up to $9,000
For surgery performed by a doctor due to cancer according to the policy surgical schedule. • Anesthesia Benefit – Up to $2,250
Benefits are paid at 25% for anesthesia administered during a surgical procedure covered under the Schedule of Benefits plan.
• Radiation / Chemotherapy – Actual charges up to $300 per day
For radiation or chemical treatments which are part of a definitive treatment. An additional benefit of up to $500 is paid at the time of the first radiation or chemotherapy treatment.
• Breast Reconstruction – Actual charges up to mastectomy amount
For breast reconstruction as the direct result of surgery for which benefits are paid under the policy.
• Blood and Plasma – Up to $80 per unit
For blood and plasma, other than your own blood, received during definitive treatment of cancer.
• Skilled Nursing Facility – Actual charges up to $150 per day
For confinement in a skilled nursing facility which begins 14 days after discharge from a hospital, equal to the number of days paid under the hospital confinement benefit.
• Home Care and Recovery – Up to $25 per day For home care and recovery, equal to the number of days paid under the hospital confinement benefit.
• Prosthesis – Actual charges up to $2,500 per device For prosthetic devices needed as the direct result of, and received within 3 years of, a cancer surgery for which benefits were paid under the policy.
• Hospice – Up to $120 per day
Hospice services if you are diagnosed as terminally ill, from day 1 to day 60. Up to $60 per day starting with day 61. • Comfort Benefit – Up to $226 per year
For anti-nausea medication prescribed by a doctor. • Bone Marrow Transplant – Lump sum up to $10,000
For human bone marrow transplant for the definitive treatment of cancer. Benefits increase by 5% after the first policy anniversary for the first 10 years the plan is in effect.
• Family Member Lodging – Actual charges up to $60 per day
For lodging expense incurred by a family member while you are confined as an inpatient for treatment of cancer in a hospital that is located in the U.S. and is more than 100 miles one-way from the family member’s home.
• Family Member & Non-Local Patient
Transportation – Actual charges up to $2,500 Coach class plane, train or bus expense on a regularly scheduled route for a family member when you are confined in a hospital located in the U.S. that is more than 100 miles one-way from a family member’s home. For travel by automobile, up to $0.40 per mile.
WITH MORE THAN 75 YEARS EXPERIENCE IN THE INSURANCE INDUSTRY,
GUARANTEE TRUST LIFE INSURANCE COMPANY HAS A PROUD HERITAGE OF PROVIDING EXCELLENT SERVICE AND SUPERIOR INSURANCE PRODUCTS. GUARANTEE TRUST LIFE IS A
MUTUAL LEGAL RESERVE COMPANY LOCATED IN GLENVIEW, ILLINOIS, AND LICENSED TO CONDUCT BUSINESS IN 49 STATES AND THE DISTRICT OF COLUMBIA.
Waiting Period:
This plan has a 30 day waiting period before any benefits will be paid for loss due to cancer. If the First Diagnosis of Cancer, as defined in the policy, is made during the waiting period, you have the option to cancel the policy and receive a refund of all premiums paid. The waiting period also applies to heart attack or stroke if such optional coverage is selected.
Exclusions:
This plan does not pay benefits for: (1) treatment, service or supplies which are not medically necessary; are not prescribed by a doctor as necessary to treat cancer; are received without charge or legal obligation to pay; would not routinely be paid in the absence of insurance; or are received from an immediate family member; (2) any loss due to injury, disease, sickness or incapacity, unless such definitive treatment is directly related to or attributable to cancer as defined; (3) care received outside the United States; (4) experimental drugs or substances not approved by the federal food & drug administration for the treatment of cancer; or (5) experimental procedures or treatment methods not endorsed by The American Medical Association or any other appropriate medical society. The exclusions also apply to heart attack or stroke if such optional coverage is selected.
Policy Definition for the following:
Cancer (Life Threatening) means a malignant tumor which meets the diagnosis criteria of malignancy established by
The American Board of Pathology after a study of the histocytologic architecture or pattern of the suspect tumor, tissue or specimen. It is characterized by the uncontrolled growth and spread of malignant cells and the invasion of body tissue by such malignant cells. Cancer includes leukemia. Excluded are Cancers such as: (1) pre-malignant tumors or polyps; (2) cancer in-situ, intraductal non-invasive carcinoma of the breasts; (3) Stage 1 Hodgkin’s Disease; (4) carcinoid of the appendix; (5) Stage 0 transitional carcinoma of the urinary bladder; or (6) Skin Cancer, except malignant melanoma. Cancer will not be a covered condition when advice or treatment is received within the Waiting Period or prior to the Effective Date, and such advice or treatment results in the First Diagnosis of Cancer.
Heart Attack means only an acute myocardial infarction (irreversible injury and death of a portion of the myocardium or
heart muscle) caused by either: (1) coronary thrombosis (complete occlusion of a coronary artery); or (2) severe stenosis or narrowing of a coronary artery causing a partial occlusion of at least 75% of the lumen of such coronary artery. Heart Attack does not include any other disease or injury involving the cardiovascular system. Cardiac arrest not caused by a myocardial infarction is not a Heart Attack.
Stroke means an acute cerebrovascular accident or incident, which results in paralysis or other measurable objective
neurological deficit lasting more than twenty-four (24) hours. A cerebrovascular accident is a sudden, unexpected interference in brain function caused by insufficient blood flow to part of the brain. Stroke does not mean a head injury, transient ischemic attack or chronic cerebrovascular insufficiency.
(Based on policy form G0430 series. For complete details of all provisions, please read your policy carefully.)
ADVANTAGE PLUS
®Underwritten by:
Guarantee Trust Life Insurance Company ADH61-03
• DAILY HOSPITAL CONFINEMENT • AMBULANCE TRIPS
• CANCER
• OUTPATIENT SURGERY • SKILLED NURSING FACILITY
HOSPITAL INDEMNITY PLAN
PROVIDES CASH BENEFITS TO HELP COVER EXPENSES ASSOCIATED WITH:
ADVANTAGE PLUS
®WILL PAY
YOU CASH BENEFITS FOR:
AMBULANCE BENEFIT RIDER
This rider will pay $200 per ambulance trip to or from a hospital, limited to one benefit per hospital confinement and subject to a lifetime maximum of $2,500.
LUMP SUM CANCER RIDER*
The Lump Sum Cancer Rider will pay you a cash benefit of $2,500, $5,000, $7,500 or $10,000 should you be diagnosed with cancer. This benefit is limited to a one-time lump sum payment.
SKILLED NURSING FACILITY RIDER
Your policy will pay $120 per day from days 21-100 if you are confined to a skilled nursing facility. This benefit applies if you are admitted to a skilled nursing facility after having been confined to a hospital for three consecutive days. We will pay benefits as long as confinement occurs within 30 days of hospitalization. This benefit restores after 60 days of no confinement in a hospital or skilled nursing facility.
*EXCLUSIONS: You will be eligible for benefits under this rider if all of the following conditions are met: cancer is first diagnosed and treated while insured under this rider; loss due to first diagnosed cancer is incurred while insured under this rider and not excluded from coverage under the policy’s pre-existing condition provision; and loss is the result of cancer covered under this rider. Please consult your policy for definitions.
This rider is not available in all states. Please refer to your outline of coverage for exclusions and limitations.
Chances Are, Your Health Insurance Plan
Leaves You With Out-Of-Pocket Expenses
Here’s an innovative solution to help cover these costs!
DAILY HOSPITAL CONFINEMENT
This benefit will pay you a daily benefit amount between $100 and $600 per day should you be confined to a hospital. You can also choose either a 10-day or 21-day benefit period
Today more than ever, quality health care has become an absolute necessity. Without it, illness could mean financial disaster. But it’s a fact that even the best health insurance plans have out-of-pocket expenses such as deductibles, co-payments and coverage limits that can quickly add up. Should you be confined to
ADVANTAGE PLUS
®Means Protection, Choice & Peace of Mind
a hospital, Advantage Pluscan provide you with a cash benefit of up to $600 per day based on the plan you choose. It can also provide benefits for ambulance trips, skilled nursing care, cancer diagnosis and even accidental death and dismemberment — all instances where your current health insurance plan
LUMP SUM HOSPITAL CONFINEMENT RIDER
Some primary health plans leave you with a lump sum hospital co-pay. A $250, $500 or $750 lump sum benefit can be used to help cover that cost. The benefit is payable once during any period of hospital confinement and restores after 60 days of no hospital confinement.
OUTPATIENT SURGICAL BENEFIT RIDER
This rider will pay $250, $500, $750 or $1,000 for a surgical procedure performed in an ambulatory surgical center or outpatient hospital facility. This surgical indemnity is payable no more than two times per year.
ACCIDENTAL DEATH AND DISMEMBERMENT RIDER
This rider will pay a cash benefit to you of either $5,000 or $10,000 should you die in an accident. In addition, the rider pays dismemberment benefits as outlined in your policy’s benefit schedule.
ADDITIONAL BENEFITS
Your policy will also pay $175 per day for up to seven days if you are confined to an inpatient mental health facility. In addition, the policy will pay $150 if you are admitted to a hospital within 24 hours following an emergency room visit due to accident or injury. These benefits are available to you as part of your base policy.
Product features and riders may not be available in all states. Refer to the state availability chart at www.gtlic.com.
gtlic.com
may have deductibles or co-payments.Guarantee Trust Life Insurance Company 1275 Milwaukee Ave.
Glenview, IL 60025 gtlic.com
(800) 338-7452
With more than 75 years of experience in the insurance industry, Guarantee Trust Life Insurance Company has a proud heritage of providing excellent service and insurance products. Guarantee Trust Life is a mutual legal reserve company located in Glenview, Illinois and licensed to conduct business in 49 states, and the District of Columbia.
This brochure is an illustration, not a contract. Based on policy G0553 series. For complete details of all provisions, please read your policy carefully. Products, features, and riders are subject to state availability.
PRE-EXISTING CONDITION:
A Pre-existing Condition is a sickness or injury, disclosed or not disclosed on the application, for which medical care, treatment, diagnosis or advice was received or recommended within the six month period immediately prior to your effective date of coverage under this policy; or the existence of symptoms which would cause an ordinarily prudent person to seek diagnosis, care or treatment within the six months prior to your effective date of coverage under this policy. Treatment includes the taking of prescription drugs or medicines. Pre-existing conditions are not covered unless the loss begins more than six months after your effective date of coverage. This Pre-existing Condition period may differ in some states. Please read the Outline of Coverage carefully.
PREMIUMS:
The Advantage Plus plan is guaranteed renewable for life. Premiums are subject to change only if changed for all policies of this type in your state and on a class basis.
BASIC EXCLUSIONS
The Benefits, Exclusions and Limitations may differ in some states. Please read the Outline of Coverage carefully.
We will not pay benefits for:
(1) Treatment, services or supplies which: • Are not Medically Necessary;
• Are not prescribed by a Doctor as necessary to treat a Sickness or Injury;
• Are determined to be Experimental/ Investigational in nature by Us;
• Are received without charge or legal obligation to pay;
• Would not routinely be paid in the absence of insurance;
• Are received from any Family Member; • Are received outside the United States.
(2) Expenses incurred as a result of loss due to war, or any action of war, declared or undeclared; service in the armed forces of any country.
(3) Expenses incurred as a result of committing or attempting to commit an assault or felony or participating in a riot or civil commotion. (4) Expenses incurred as a result of suicide or
intentionally self inflicted Injury while sane or insane.
(5) Injury or Sickness arising out of or in the course of employment or which is compensable under any Workers’ Compensation or Occupational Disease Act or Law.
(6) Cosmetic surgery other than:
• Reconstructive surgery incidental to or following surgery resulting from trauma, infection, or other diseases of the involved part; or
• Reconstructive surgery because of a congenital disease or anomaly.
(7) Injury due to being legally intoxicated, as defined by the jurisdiction in which an Accident occurs. (8) Loss due to voluntarily using any drug, narcotic
or controlled substance, unless as prescribed by a doctor.
For optional benefit rider limitations and exclusions, please refer to the Outline of Coverage. Optional benefit riders are offered for an additional premium.
Policy series G0553 is a limited benefit indemnity policy. It is not a Medicare Supplement policy or certificate, and does not fully supplement any federal Medicare health insurance. If you are eligible for Medicare, you may review the Guide to Health Insurance for People with Medicare available from GTL. Note: This insurance is not major medical coverage and does not satisfy the
Underwritten by
Guarantee Trust Life Insurance Company
ADL4-10Critical
PROVIDER
®10 OR 20 YEAR RENEWABLE TERM LIFE INSURANCE WITH A CRITICAL ILLNESS ACCELERATED BENEFIT RIDER
WHICH PROVIDES CASH BENEFITS FOR 18 CRITICAL CONDITIONS
Surviving Critical Illness Fact and Figures
Critical
PROVIDER
Whichever portion of the plan you use, whether the term life or
critical illness accelerated benefit rider, you and your family can have
confidence in the protection your policy provides at a critical time.
Today due to early detection, prevention, and advancements in
medical treatments, the odds of surviving a life-altering disease or
event are better than ever. But for many people, surviving such an
illness can bring serious financial and emotional hardship. Whatever
the cause may be, many times the financial consequences of living
with a devastating loss or illness can place a heavy burden on your
everyday routine.
No one likes to think about how these events would affect their
immediate future, but the likelihood of these major lifestyle changes
is real. GTL’s Critical Provider plan can help.
GTL’s Critical Provider offers you the option of a 10 or 20 year level, renewable and convertible term life insurance policy with a critical illness accelerated benefit rider. As a policyholder, this means your coverage will pay a death benefit upon your death, or a living benefit upon diagnosis of a covered condition while your policy remains in force.
G T L
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Product
DETAILS
ISSUE AGES: 0 – 60 years (age at last birthday). AGES 0-19: Benefit limited to $5,000 or $10,000. Renewable to age 70 and convertible to age 65. INSURANCE AMOUNTS:
• Minimum face amount is $10,000 or $20 monthly premium ($240 annual), whichever is higher (except for ages 0-19).
• Maximum face amount is $100,000.
Critical Provider is a level, renewable
and convertible 10 or 20 year term life
insurance policy with a critical illness
accelerated benefit rider.
POLICY FEE: $75 annual policy fee (except for ages 0-19). LIMITED COVERAGE AVAILABLE: Select this option and the policy will provide coverage equal to one half (50%) of the covered conditions.
UNDERWRITING:
• This product has a simplified issue, yes/no application. • When an application is received in the home office, an MIB search will be run.
• Coverage is issued on a non-medical basis.
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3
Riders
ACCIDENTAL DEATH BENEFIT: If the Accidental Death Benefit Rider is purchased, it will provide an additional death benefit in the event of accidental death. The accidental death benefit amount will equal the face amount of the policy. ISSUE AGES: 20-60 years
WAIVER OF PREMIUM: If the Waiver of Premium Rider is purchased, the plan will waive all of your premiums if you are continually, totally disabled for at least 90 days, until the policy monthly anniversary falls on or directly follows your 60th birthday or through the end of the base policy while the rider is in force. ISSUE AGES: 20-59 years CRITICAL ILLNESS ACCELERATED BENEFIT (INCLUDED):
This rider is included as part of your term life insurance policy. See page 5 for more details.
Term plans and riders are subject to state availability. GUARANTEE TRUST LIFE INSURANCE COMPANY
Years ago, a critical illness diagnosis could easily prove fatal.
Today, the odds of surviving such a diagnosis are better than ever.
• Nearly one quarter of strokes occur in people under the age of 65.
1• Each year over a million people in the U.S. have a heart attack.
2• It is estimated that 1 in 6 men will be diagnosed with prostate cancer in their lifetime.
3• Nearly 90% of women diagnosed with breast cancer will survive their disease for at least five years.
4Covering Your Living Benefit Expenses
The cash benefit from your policy will be paid directly to you and can be used to
cover both direct and indirect costs.
Gary and Dawn had just taken out a mortgage to begin building their dream home, their daughter started high school, and their twin boys entered the fifth grade when Dawn’s doctor diagnosed her with breast cancer. Dawn’s prognosis was good, but she faced a lengthy treatment and recovery process that would keep her out of work for an extended period of time.
Fortunately, with the GTL Critical Provider plan they had purchased, Gary and Dawn received a $100,000 cash payment equal to 100% of the face amount of her term life policy. With this cash benefit, they were able to cover her medical expenses while also continuing to make their mortgage payments during her recovery.
Example of How You Could Use Your Living Benefit
Did You Know?
Why Critical Provider coverage from GTL?
1. Centers for Disease Control and Prevention. Stroke Facts and Statistics. Department of Health and Human Services. http://www.cdc.gov/stroke/stroke_facts.htm. 2. Medline Plus. Heart Attack. U.S. National Library of Medicine and the National Institutes of Health. http://www.nlm.nih.gov/medlineplus/heartattack.html.
3. Horner MJ, Ries LAG, Krapcho M, Neyman N, Aminou R, Howlader N, Altekruse SF, Feuer EJ, Huang L, Mariotto A, Miller BA, Lewis DR, Eisner MP, Stinchcomb DG, Edwards BK (eds). SEER Cancer Statistics Review, 1975-2006, National Cancer Institute. Bethesda, MD, http://seer.cancer.gov/csr/1975_2006/, based on November 2008 SEER data submission, posted to the SEER web site, 2009. Source: http://seer.cancer.gov/statfacts/html/prost.html
4. National Cancer Institute. Cancer Advances In Focus: Breast Cancer. U.S. National Institutes of Health. http://www.cancer.gov/cancertopics/cancer-advances-in-focus/breast.
4
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DIRECT COSTS INDIRECT COSTS
Major medical co-payments and deductibles Household bills and car payments
Out-of-network charges on PPO plans Travel expenses for care/treatment
Alternative treatment options Lost income and extra time off of work
Experimental treatments and surgeries Recuperative vacation
Cancer
100%
50%
Heart Attack
100%
50%
Stroke
100%
50%
Coronary Bypass Surgery
100%
50%
Kidney Failure
100%
50%
Major Organ Transplant
100%
50%
Coma
100%
50%
Paralysis
100%
50%
Blindness
100%
50%
Terminal Illness
75%
37.5%
Nursing Home Confinement
75%
37.5%
Benign Brain Tumor
25%
Alzheimer’s Disease
25%
12.5%
HIV Infection From Blood Transfusion
Parkinson’s Disease
12.5%
Aorta Graft Surgery
25%
12.5%
Heart Valve Replacement or Repair
25%
Coronary Angioplasty
GTL’s Critical Provider plan will accelerate a direct percentage of your term life insurance policy benefits for the covered conditions listed below. After a living benefit for a condition has been paid, the amount of the term life death benefit then available is reduced to the remaining face amount, if any, of your policy.
CONDITIONS
FULL BENEFIT OPTION
Why Critical Provider
coverage from GTL?
Because it’s designed to provide
you cash when you need it most.
Why Critical Provider coverage from GTL?
100%
100%
100%
100%
100%
100%
100%
100%
100%
75%
75%
25%
25%
25%
25%
25%
25%
10%
LIMITED BENEFIT OPTION
50%
50%
50%
50%
50%
50%
50%
50%
50%
37.5%
37.5%
12.5%
12.5%
12.5%
12.5%
12.5%
12.5%
5%
All above conditions are payable one time only and may vary by state.Benefits payable are subject to the terms, conditions, definitions and limitations as stated in the policy and benefit rider(s). Accelerated benefits are payable after a 30 day waiting period (not applicable in TX).
100% Death Benefit is payable if no other benefit listed has been paid.
Product
EXCLUSIONS
6
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THE FOLLOWING EXCLUSIONS APPLY TO THE BASE POLICY AND ALL RIDERS:
If the insured, whether sane or insane, dies by suicide while covered under the policy and riders, within 2 years (1 year in CO and ND) from the policy date, our liability will be limited to a refund of the amount equal to the premiums paid for the policy and riders.
THE WAIVER OF PREMIUM RIDER BENEFIT WILL NOT WAIVE ANY PREMIUM IF THE INSURED’S TOTAL DISABILITY: 1. results directly from an act of war while the Insured is serving in the military, naval or air forces, or reserve branch of civilian non combatant units serving with such forces of any country at war, declared or undeclared; or
2. results from intentionally self-inflicted injury while sane or insane; or
3. begins after the Policy Anniversary that falls on, or next follows, the Insured’s 60th birthday; or
4. results from the permanent and total loss of the sight of both eyes, the use of both hands or feet, or the use of one hand and one foot if such loss is due to an injury occurring, or a sickness commencing, before the issue date of the rider. THE ACCIDENTAL DEATH BENEFIT RIDER WILL NOT COVER DEATH RESULTING FROM:
1. The insured intentionally taking his/her own life or intentionally self-inflicted injury; or
2. travel in any aircraft except as a fare-paying passenger on a regular scheduled commercial flight; or
3. being legally intoxicated as determined by law; or 4. voluntary taking of poisons, except accidental food poisoning; or
5. voluntary taking of drugs, except if prescribed by a doctor; or
6. intentionally inhalation of gas or fumes; or committing or attempting to commit a felony; or
7. war or any act of war declared or undeclared, or service in the military, naval, or air forces.
THE CRITICAL ILLNESS RIDER WILL NOT BE PAYABLE IF THE LOSS RESULTS FROM:
1. intentionally self-inflicted injury, while sane or insane (In MO, while sane; in SC, suicide, sane or insane, attempted
suicide or intentionally self-inflicted injury); or
2. alcohol or drug abuse (unless drug abuse was a result of the administration of drugs as part of treatment by a Doctor) (In SC, alcohol, or drug addiction); or
3. committing or attempting to commit a felony (In SC, participating in a felony); or
4. war (declared or undeclared) or any act of war, or service in any armed forces (In OK, any war or any act of war, declared or undeclared, while serving in the military forces or any auxiliary unit attached thereto); or
5. engaging in an illegal occupation (Except in SC); or 6. participating in a riot or insurrection.
7. Injury sustained while taking part in any of the following activities:*
(a) Amateur or professional sports or athletics, except this does not include Amateur sports or athletics which are non-contact and undertaken solely for the leisure, recreational, entertainment or fitness purposes;
(b) Mountaineering where ropes or guides are normally used or at elevations of 4,500 meters or higher;
(c) Aviation, except when traveling solely as a passenger in commercial aircraft;
(d) Hang gliding, sky diving, parachuting, or bungee jumping; (e)Snow skiing or snowboarding, except for recreational downhill and/or cross country snow skiing or snowboarding (no coverage provided whilst skiing away from prepared and marked in-bound territories and/or against the advice of the local ski school or local authoritative body);
(f) racing by any animal or motorized vehicle; (g) spelunking;
(h)operating, riding in or upon, mounting or alighting from, any two, three or four wheeled motor/engine driven snowmobile or all terrain vehicle (ATV).
*Exclusion 7 applies only to the Critical Illness conditions of Paralysis, Coma and Blindness.
Tax Treatment: The payment of an accelerated benefit may be taxable. A personal tax advisor should be consulted to obtain information about the income tax effect on any accelerated benefits.
1275 Milwaukee Ave. Glenview, IL 60025 gtlic.com (800)338-7452
Underwritten by
Guarantee Trust Life Insurance Company
ADH3-12A (Rev. 8/14) 15B945
G
•
T
•
L
®CHS PROTECTION PLUS
LUMP SUM CANCER, HEART ATTACK & STROKE COVERAGE
WHY
CANCER,
HEART ATTACK & STROKE
INSURANCE?
If
you were diagnosed with cancer or suffered a heart attack or a stroke, the last thing you would want to worry about is your finances. Cancer, Heart Attack and Stroke coverage from Guarantee Trust Life Insurance Company can help you receive the financial peace of mind that allows you to focus on what really matters most — your recovery.Because out-of-pocket medical expenses are on the rise, GTL’sCHS Protection Plus Plan was designed to pay cash benefits directly to you and pays regardless of any other insurance coverage you may have should you or a covered family member be diagnosed with cancer, suffer a heart attack or have a stroke.
[1] http://www.cdc.gov/cancer/npcr/uscs/2007/technical_notes/
61% of the costs
associated with cancer
are non-medical,
indirect costs?
1Did You Know?
Direct Cost Indirect Cost
61%
39%
Cover Medical Co-Payments and Deductibles Allow for Extra Time Off of Work
Provide Cash for Car and Mortgage Payments Supplement Lost Income
Pay for Experimental Treatments and Surgeries Take a Recuperative Trip or Vacation
The Cash Benefits From Your Policy Can Be Used To:
PRODUCT
FEATURES &
DETAILS...
Did You Know?
Issue Ages:
0 – 85 years (age at last birthday)
Coverage:
Individual, Single Parent, Couple and Family
(Each Covered Person(s) will be covered by the same Lump Sum Benefit amount.)
Benefit Amounts:
Minimum face amount is $10,000 Maximum face amount is $75,000
(In increments of $5,000)
Each year over a million
people in the U.S. have a
heart attack.
21 in 2 men and women
will be diagnosed with
cancer during their
lifetime.
3** See Policy definition
[2]Medline Plus. Heart Attack. U.S. National Library of Medicine and the National Institutes of Health. http://www.nlm.nih.gov/medlineplus/heartattack.html [3] Howlader N, Noone AM, Krapcho M, Neyman N, Aminou R, Waldron W, Altekruse SF, Kosary CL, Ruhl J, Tatalovich Z, Cho H, Mariotto A, Eisner MP, Lewis DR, Chen HS, Feuer EJ, Cronin KA, Edwards BK (eds). SEER Cancer Statistics Review, 1975-2008, National Cancer Institute. Bethesda, MD, http://seer.cancer. gov/csr/1975_2008/, based on November 2010 SEER data submission, posted to the SEER web site, 2011. http://seer.cancer.gov/statfacts/html/all.html
Under this plan, a lump sum amount will be paid directly to you, regardless of any other health care coverage you may have, upon the First Diagnosis of Cancer** or if you suffer a heart attack or stroke. Benefit amounts are flexible, and can range from $10,000 to $75,000, in increments of $5,000 depending on your specific needs. Also, the benefits are eligible to restore through GTL’s New Recurrence Benefit option.
WHY
CANCER,
*PERCENTAGE OF LUMP SUM
BENEFITS PAYABLE
RECURRENCE BENEFIT INCLUDED
OR
LUMP SUM HEART ATTACK AND STROKE POLICY:
You will receive a lump sum benefit amount paid directly to you upon suffering a heart attack5 or a
stroke6, as defined in your policy. The Lump Sum Heart Attack and Stroke policy also includes GTL’s
Recurrence Benefit and a Coronary Angioplasty or Coronary Artery Bypass Surgery Benefit** which will pay you ten percent of the selected Lump Sum Heart Attack and Stroke benefit amount should a Covered Person have Coronary Angioplasty or Coronary Artery Bypass Surgery.
** PLEASE NOTE: The Recurrence Benefit does not apply to the Coronary Angioplasty or Coronary Artery Bypass Surgery. Benefits are payable one time during the life of your policy and do not reduce the Lump Sum Heart Attack and Stroke benefit amount. Also, this benefit is not payable if the Coronary Angioplasty or Coronary Artery Bypass Surgery is performed as a direct result of a heart attack which immediately preceded the procedure or surgery.
2
Choose the policy that’s right for you:
HOW
CHS PROTECTION PLUS
WORKS...
LUMP SUM CANCER POLICY:
You will receive a lump sum benefit amount paid directly to you upon the First Diagnosis of Cancer4,
as defined in your policy. With GTL’s New Recurrence Benefit (see the following page for specifics) that’s included with your coverage, benefits restore after you have been in a period of remission for at least one (1) full year from a previously diagnosed cancer and for which benefits have been paid under this policy.
Policy Definitions for the following:
Cancer[4] means: a malignant tumor which meets the diagnosis criteria of malignancy established by the American Board of Pathology after a study of the
histocytologic architecture or pattern of the suspect tumor, tissue or specimen. It is characterized by the uncontrolled growth and spread of malignant cells and the invasion of body tissue by such malignant cells. Cancer includes leukemia and Cancer In Situ. Excluded are Cancers such as: 1) Pre-malignant tumors or polyps; 2) Skin cancer, except malignant melanoma
See definition of First Diagnosis of Cancer in your policy.
Heart Attack[5] means: an acute myocardial infarction (irreversible injury and death of a portion of the myocardium or heart muscle) detected by the rise and/
or fall of cardiac biomarkers (preferably troponin) with at least one value above the 99th percentile of the upper reference limit (URL) together with evidence of myocardial ischaemia with at least one of the following: Symptoms of ischaemia; ECG changes indicative of new ischaemia [new ST-T changes or new left bundle branch block (LBBB)]; Development of pathological Q waves in the ECG; Imaging evidence of new loss of viable myocardium or new regional wall motion abnormality. Heart Attack does not include any other disease or injury involving the cardiovascular system. Cardiac arrest not caused by a myocardial infarction is not a heart attack.
Stroke[6]means: an acute cerebrovascular accident or incident, which results in paralysis or other measurable objective neurological deficit lasting more than
24 hours. A cerebrovascular accident is a sudden, unexpected interference in the brain function caused by insufficient blood flow to part of the brain. Stroke does not mean a head injury, transient ischemic attack or chronic cerebrovascular insufficiency.
Recurrence Benefit Applies to:
Lump Sum Cancer Policy
Lump Sum Heart Attack & Stroke Policy
RECURRENCE BENEFIT
Applies to the Lump Sum Cancer Policy and
Lump Sum Heart Attack and Stroke Policy
After you receive your lump sum payment your benefits are eligible to restore with the Recurrence Benefit.
The Recurrence Benefitis a percentage* of the Lump Sum Benefit paid when cancer reoccurs after you have been in a period of remission for at least one (1) full year from a previously diagnosed cancer and for which benefits have been paid under this policy (See chart below for details).
For the Lump Sum Heart Attack and Stroke Plan recurrence must be at least one (1) full year from the date the Lump Sum Benefit was paid (The Recurrence Benefit percentages are shown in the chart below).
YEARS OF RECURRENCE
*PERCENTAGE OF LUMP SUM
BENEFITS PAYABLE
1 2-3 4 5+
25%
50%
100%
10%
GTL’S
[7]Stroke Facts. Centers for Disease Control and Prevention, www.cdc.gov/stroke/facts.htm. [8]Centers for Disease Control and Prevention, www.cdc.gov/Features/CancerSurvivorship/.
Every year, about 795,000 people in the United States have a stroke. About 610,000 of these are first or new strokes. About 30% of people who survive a stroke go on to have another.7
About two-thirds of people with cancer are expected to live at least five years after diagnosis.8
Did You Know?
HOW
OPTIONAL RIDERS
1 2 3
Choose Your Optional Supplemental Riders:
RETURN OF PREMIUM RIDER
**
:
We will return all premiums (less any claims paid) if you pass away prior to age 85.
** Return of Premium Rider not available in Connecticut.
2
1
INTENSIVE CARE RIDER *:
The Intensive Care Rider pays an indemnity benefit of $150 per unit per day for confinement in an Intensive Care Unit for any reason. The rider pays one half (1/2) the benefit amount for confinement in a step-down unit. Benefits are doubled if confinement occurs within 48 hours of an accident, in which you are the operator or passenger of an automobile, motor home, bus, motorcycle, or any truck with a load capacity of 2,000 or less or as a fare paying passenger on any vehicle, boat, ship, aircraft or train. Benefits are limited to 30 days of confinement in connection with any one hospital admission. Benefits for this rider reduce by 50 percent at age 70.
* Subject to a 30 day waiting period.
Additional Riders Continued on next page
GUARANTEE TRUST LIFE INSURANCE COMPANY
THERAPY & WELLNESS RIDER:
GTL’S Therapy and Wellness Rider pays an Indemnity Benefit of $50 per calendar year for one (1) of the following tests:OPTIONAL SUPPLEMENTAL RIDERS
CONTINUED...
HEALTHY LIFESTYLE BENEFIT:
Pays an indemnity benefit of $25 per calendar year for making healthy lifestyle choices. This benefit is payable if you participate in a smoking cessation program or join a weight loss or physical fitness program. This benefit is payable once per calendar year per covered person that is over the age of 17.
ALTERNATIVE CARE BENEFIT:
Integrative Assessment and Education Benefit: A
one time benefit of $75 is payable for assessment and/or education services performed by an Accredited Practitioner.
Ameliorative Benefit*: We will pay an indemnity
benefit of $25 per visit to an Accredited
Practitioner, for up to 20 visits per calendar year for acupuncture, massage therapy, biofeedback and hypnosis.
Lifestyle Benefit*: We will pay an indemnity benefit
of $25 per visit for up to 20 visits per calendar year to an Accredited Practitioner for the following types of alternative care: smoking cessation, yoga, meditation, relaxation techniques, Tai-Chi and nutritional counseling.
*Benefit payment subject to a Covered Person providing proof for Injury or Sickness.
Pays an indemnity benefit of $50 per session for a self-management education and counseling program provided to educate you and your primary caregiver, when needed, to care for your needs as the result of Covered Condition(s) for which you have received other benefits under this policy. This benefit is limited to 12 sessions per calendar year.
HEARING, OCCUPATIONAL,
PHYSICAL & SPEECH THERAPY
BENEFIT:
Pays an indemnity benefit of $25 for each day hearing, occupational, physical and/or speech therapy is needed as a result of a Covered Condition(s) for which you have received other benefits under this policy.
MENTAL HEALTH BENEFIT:
Pays an indemnity benefit of $50 per session for counseling for mental and nervous disorders or emotional disease or disorder needed as the result of a Covered Condition(s) for which you have received other benefits under this policy. This benefit is limited to 5 sessions per calendar year.
MAMMOGRAM CHEST X-RAY THERMOGRAPHY BREAST ULTRASOUND MRI COLONOSCOPY BREAST MRI (MAGNETIC RESONANCE IMAGING) ANGIOGRAM VIRTUAL COLONOSCOPY CA15-3 (BLOOD TEST FOR BREAST CANCER TUMOR) ELECTROCARDIOGRAM SERUM PROTEIN ELECTROPHORESIS
PAP SMEAR HEART CATHETERIZATION ECHOCARDIOGRAM THIN PREP CEA (BLOOD TEST FOR COLON CANCER) BLOOD TEST TO CONFIRM ELEVATED CARDIAC ENZYMES
BIOPSY CA 125 (BLOOD TEST FOR OVARIAN CANCER) NEUROIMAGING STUDIES FLEXIBLE SIGMOIDOSCOPY PSA (BLOOD TEST FOR PROSTATE CANCER) THALLIUM SCAN HEMOCCULT STOOL SPECIMEN (LAB CONFIRMED) TESTICULAR ULTRASOUND CAT SCAN
EDUCATIONAL SERVICES BENEFIT:
3
Please see your insurance contract for specific details. The exclusions and limitations listed below are typical, but your state may have slight differences.
THE FOLLOWING EXCLUSIONS APPLY TO THE CANCER POLICY AND THE HEART ATTACK AND STROKE POLICY. EXCLUSIONS: This policy does not cover any loss caused by the following:
THIS PLAN WILL NOT PAY A BENEFIT FOR:
Any Cancer diagnosed before the Effective Date of your coverage under the Policy or when advice or treatment is received prior to the Effective Date and such advice or treatment results in the First Diagnosis of Cancer. Any loss due to injury, disease or incapacity, unless related to or attributable to Cancer as defined.
Heart Attack or Stroke if first Diagnosed before the Effective Date of your coverage under this Policy if choosing the Heart Attack and Stroke Policy.
Coronary Angioplasty or Coronary Artery Bypass Surgery where medical advice to undergo such procedure or surgery was received before this Policy’s Effective Date. Any loss due to injury, disease or incapacity, unless related to or attributable to Heart Attack or Stroke as defined. 1.
2. 3.
4.
5.
GUARANTEE TRUST LIFE INSURANCE COMPANY
1275 Milwaukee Ave. Glenview, IL 60025 www.gtlic.com (800) 338-7452. With more than seventy-five years of experience in the insurance industry, Guarantee Trust Life Insurance Company has a proud heritage of providing excellent service and superior insurance products. Guarantee Trust Life Insurance is a mutual legal THE FOLLOWING EXCLUSIONS APPLY TO THE INTENSIVE
CARE BENEFIT RIDER AND THE THERAPY AND WELLNESS BENEFIT RIDER.* This policy does not cover any loss caused by the following:
*THESE RIDERS DO NOT PROVIDE BENEFITS FOR: Intentionally self-inflicted Injury, violating or attempting to violate any duly enacted law.
Injury by acts of war, whether declared or not. Attempted suicide while sane or insane.
Injury sustained while committing or attempting to commit a felony.
Injury sustained while voluntarily participating in a riot, or civil commotion or disturbance of any kind.
Loss resulting from being legally intoxicated or under the influence of alcohol as defined by the laws of the state in which the Injury occurs.
Loss resulting from being under the influence of any drugs or narcotic unless administered on the advice of a Doctor. 1. 2. 3. 4. 5. 6. 7.
PRE-EXISTING CONDITION: A pre-existing condition is a condition for which: (a) Medical advice or treatment was recommended
by, or received from a Doctor, within the 24 month period before the Effective Date of the Covered Person’s coverage; or (b) symptoms existed which would cause an ordinarily prudent person to seek diagnosis, care or treatment within the 24 month period before the Effective Date of the Covered Person’s coverage.
A pre-existing condition is not covered unless the loss begins more than 24 months after the Effective Date of the Covered Person’s Coverage*.
(*In CT, 12 month pre-exisitng limitation. For complete details of all provisions, please read your policy carefully.)
Insurance Underwritten by Guarantee Trust Life Insurance Company: Policy Series G1130/G1131 with rider series, RG10CTW, RG10IC, RG10ROPD
cover panel
Underwritten By:
Guarantee Trust Life Insurance Company
ADH13-12 (Rev. 8/14)
G
15B952•
T
•
L
®• Benefits paid directly to you • Individual, Single Parent,
Couple and Family Coverage Available • Issue Ages 0-85
EXCLUSIONS: PLEASE SEE YOUR INSURANCE
CONTRACT FOR SPECIFIC DETAILS. THE EXCLUSIONS AND LIMITATIONS LISTED BELOW ARE TYPICAL, BUT YOUR STATE MAY HAVE SLIGHT DIFFERENCES.
THE FOLLOWING EXCLUSIONS APPLY TO THE CANCER POLICY AND THE HEART ATTACK AND STROKE POLICY. EXCLUSIONS: This policy does not cover any loss caused by the following:
THIS PLAN WILL NOT PAY A BENEFIT FOR:
1. Any Cancer diagnosed before the Effective Date of your coverage under the Policy or when advice or treatment is received prior to the Effective Date and such advice or treatment results in the First Diagnosis of Cancer.
2. Any loss due to injury, disease or incapacity, unless related to or attributable to Cancer as defined. 3. Heart Attack or Stroke if first Diagnosed before the
Effective Date of your coverage under this Policy if choosing the Heart Attack and Stroke Policy. 4. Coronary Angioplasty or Coronary Artery Bypass
Surgery where medical advice to undergo such procedure or surgery was received before this Rider’s Effective Date.
5. Any loss due to injury, disease or incapacity, unless related to or attributable to Heart Attack or Stroke as defined.
THE FOLLOWING EXCLUSIONS APPLY TO THE INTENSIVE CARE BENEFIT RIDER AND THE THERAPY AND WELLNESS BENEFIT RIDER.
THESE RIDERS DO NOT PROVIDE BENEFITS FOR: 1. Intentionally self-inflicted Injury, violating or
attempting to violate any duly enacted law. 2. Injury by acts of war, whether declared or not. 3. Attempted suicide while sane or insane.
4. Injury sustained while committing or attempting to commit a felony.
5. Injury sustained while voluntarily participating in a riot, or civil commotion or disturbance of any kind. 6. Loss resulting from being legally intoxicated or
under the influence of alcohol as defined by the laws of the state in which the Injury occurs.
7. Loss resulting from being under the influence of any drugs or narcotic unless administered on the advice of a Doctor.
Please Contact: PRE-EXISTING CONDITION:
A pre-existing condition is a condition for which: (a) Medical advice or treatment was recommended by, or received from a Doctor, within the 24 month period before the Effective Date of the Covered Person’s coverage; or (b) symptoms existed which would cause an ordinarily prudent person to seek diagnosis, care or treatment within the 24 month period before the Effective Date of the Covered Person’s coverage.
A pre-existing condition is not covered unless the loss begins more than 24 months after the Effective Date of the Covered Person’s Coverage*.
(*NM, 6 month pre-existing condition limitation; IN, MT, SD 12 month pre-existing limitation; For complete details of all provisions, please read your policy carefully.)
With over 75 years of experience in the insurance industry, Guarantee Trust Life Insurance Company has a proud heritage of providing excellent service and superior insurance products. Guarantee Trust Life is a mutual legal reserve company located in Glenview, Illinois and licensed to conduct business in 49 states, and the District of Columbia.
Guarantee Trust Life Insurance Company 1275 Milwaukee Ave.
Glenview, IL 60025 www.gtlic.com (800) 338-7452
About Us
Product Features & Details
Under this plan, a lump sum amount will be paid directly to you,* regardless of any other health coverage you may have, upon the First Diagnosis of Cancer****, or if you suffer a heart attack or stroke. Benefit amounts are flexible and range from $10,000 to $75,000, in increments of $5,000 depending on your specific needs.
Lump Sum Cancer Policy
You will receive a lump sum benefit amount paid directly to you upon the diagnosis of cancer**.
Lump Sum Heart Attack and Stroke
Policy
You will receive a lump sum benefit amount paid directly to you upon suffering a heart attack or a stroke.** The Lump Sum Heart Attack and Stroke policy also includes a Coronary Angioplasty or Coronary Artery Bypass Surgery Benefit*** which will pay you ten percent of the selected lump sum benefit amount should you have a Coronary Angioplasty or Coronary Artery Bypass Surgery.
GTL’s Recurrence Benefits
After you receive a lump sum payment your benefits are eligible to restore with the Recurrence Benefit.
The Recurrence Benefit is a percentage*** of the Lump Sum Benefit paid when cancer, heart attack or stroke reoccurs after you have been in a period of remission for at least one (1) full year from a previously diagnosed cancer or suffered a heart attack or stroke. (See chart for details below)
*In most states there is a 30 day waiting period, beginning on the issue date of the policy.
**Recurrence Benefit Included
***Please Note: The Recurrence Benefit does not apply to the Coronary Angioplasty or Coronary Artery Bypass Surgery.
SOURCES
[1] http://www.cdc.gov/cancer/npcr/uscs/2007/technical_notes/ [2] Howlader N, Noone AM, Krapcho M, Neyman N, Aminou R, Waldron W, Altekruse SF, Kosary CL, Ruhl J, Tatalovich Z, Cho H, Mariotto A, Eisner MP, Lewis DR, Chen HS, Feuer EJ, Cronin KA, Edwards BK (eds). SEER Cancer Statistics Review, 1975-2008, National Cancer Institute. Bethesda, MD, http://seer.cancer.gov/ csr/1975_2008/, based on November 2010 SEER data submission, posted to the SEER web site, 2011. http://seer.cancer.gov/statfacts/ html/all.html
[3]Medline Plus. Heart Attack. U.S. National Library of Medicine and the National Institutes of Health. http://www.nlm.nih.gov/ medlineplus/heartattack.html
OPTIONAL RIDERS
• Intensive Care Rider • Return of Premium • Therapy & Wellness Rider
You Can Use The Money From The
Lump Sum Payment For:
Loss of Income
Pay for Experimental Treatments and Surgeries
Cover Medical Co-Payments and Deductibles
Provide Cash for Car and Mortgage Payments
Taking a Recuperative Trip or Vacation
Product Features and Riders not available in all States.
***PERCENTAGE OF LUMP SUM
BENEFITS PAYABLE
Each year over a million people in the U.S. have a heart attack.3
61% of the costs associated with cancer are non-medical indirect costs?1
Did You Know?
1 in 2 men and women will be diagnosed with cancer during their lifetime.2
If you were diagnosed with cancer or suffered a heart attack or a stroke, the last thing you would want to worry about is your finances. Cancer, Heart Attack and Stroke coverage from Guarantee Trust Life Insurance Company can help you receive the financial peace of mind that allows you to focus on what really matters—your recovery. Direct Cost Indirect Cost
61%
39%
( ( ((Diagnosed With Cancer
YEARS OF RECURRENCE
Product Features and Riders not available in all States.
Underwritten by
Guarantee Trust Life Insurance Company
ADH13-11(A)CRITICAL ILLNESS COVERAGE WITH INCREASED BENEFITS FOR
ASSISTED LIVING FACILITY AND NURSING HOME CONFINEMENT
Critical Care
Example
Bob purchased a GTL Critical Care Policy with a Monthly Base Benefit
Amount of $2,000 and a Maximum Benefit Period of 18 months. Bob had a
stroke which, after resting at home for the first 3 months, resulted in care in
an Assisted Living Facility for 8 months followed by a Nursing Home stay for
3 months. Then, Bob was able to go home.
His GTL Critical Care Policy paid as follows:
T
oday, due to early detection, prevention and advances in medical treatments, the odds of
surviving a life altering critical condition are better than ever. For many of us, surviving such an
illness can bring serious financial and emotional hardships—especially if that illness leads to a stay
in an Assisted Living Facility or Nursing Home while recuperating. This is where Guarantee Trust
Life’s Critical Care Policy can help....
Why Critical Care Coverage?
With GTL’s Critical Care Policy,
the Progression of Care Benefits
Follows the Progression of Care Costs
Total cash benefits paid to Bob is $50,000.
And remember—If Bob recovers from his stroke, most of his Critical Care Benefits can be fully restored!
Months 1-3: At Home
$2,000 x 3 Months = $6,000
Months 4-11: Assisted Living Facility
$3,000 x 8 Months (base + 50% ALF) = $24,000
Months 12 –14: Nursing Home
$4,000 x 3 Months (base + 100% NH) = $12,000
Months 15 – 18: At Home
$2,000 x 4 months = $8,000
Monthly Cash Benefits
Nursing Home
At Home
Assisted Living
Nursing Home
1.
1.
1.
Total Benefits Paid: Monthly Base Benefit
Plus
50% of Monthly Base Benefit (Up to $4,500)
Total Benefits Paid: Monthly Base Benefit
Plus
100% of Monthly Base Benefit (Up to $6,000)
Total Benefits Paid:
Monthly Base Benefit Minimum $500 up to $3,000(In $250 increments)
STEP 1 - Choose Your Plan
(Issue Age 18-84)
STEP 3 - Choose Your Monthly Base Benefit Amount*
All plans include Assisted Living Facility & Nursing Home Benefits. Maximum Benefit Periods for covered conditions are 6 months, 12 months, 18 months or 24 months. Limited Benefit Periods apply to specific covered conditions. See policy for details.
For all plans there is a lifetime maximum equal to three times the full Benefit Period Payout. Example: For a $1,000 monthly benefit ($500 Base Amount + $500 when confined to a Nursing Home = $1,000 monthly benefit) with an 18 month period, the lifetime maximum is 3 x $1,000 x 18 months =$54,000.
How Critical Care Works
STEP 2 - Choose Your Benefit Period
Cardiac Care Plus
Cancer Care Plus
Critical Care
Choose a Benefit Period from 6, 12, 18 or 24 months. The Benefit Period defines how long you will
receive your Monthly Base Benefit Amount. Recovery periods can vary by the nature of the critical
condition. Therefore, please note: Benefit Periods for Cancer In-Situ, Coronary Artery Bypass Surgery,
Heart Attack and Coma are limited as recovery times tend to be shorter than recovery times for Cancer,
or Stroke, for example.
Choose a Monthly Base Benefit Amount between $500 and $3,000 a month. Your Monthly Base Benefit
Amount is the amount of cash you will receive on a monthly basis upon diagnosis of a covered condition.
Monthly Benefit Amounts are limited to $500 for dependent children.
Critical Care has been designed so you have the option of choosing one of three plans of coverage:
1.
• Cancer
• Cancer-In-Situ
• Heart Attack
• Coronary Artery
Bypass Surgery
• Stroke
• Alzheimer’s Disease
• Kidney Failure
• Major Organ Transplant
• Paralysis
• Coma
(Plan A)
Provides Benefits for:
1.
• Cancer
• Cancer-In-Situ
• Alzheimer’s Disease
• Kidney Failure
• Major Organ Transplant
• Paralysis
• Coma
(Plan B)
Provides Benefits for:
1.
• Heart Attack
• Coronary Artery
Bypass Surgery
• Stroke
• Alzheimer’s Disease
• Kidney Failure
• Major Organ Transplant
• Paralysis
• Coma
(Plan C)
Provides Benefits for:
Assisted Living Facility Benefit
***
:
If you are confined to an eligible Assisted Living
Facility due to a covered condition, GTL’s Critical Care Plan will pay 50 percent of your Monthly Base
Benefit Amount you select for each month of such confinement, not to exceed the Maximum Benefit
Period (Form # RG11NH). This benefit will be paid in addition to your Monthly Base Benefit Amount.
Nursing Home Benefit
***
:
If you are confined to an eligible Nursing Home due to a covered
condition (whether for skilled, intermediate or custodial level care), GTL’s Critical Care Plan will pay
100 percent of your Monthly Base Benefit Amount you select for each month of such confinement, not
to exceed your maximum benefit period (Form # RG11NH). This benefit will be paid in addition to your
Monthly Base Benefit Amount.
Restoration of Policy Benefits:
This Policy’s Maximum Benefit Period or Limited Benefit
Period for any One Benefit Period will be fully restored when there has been no payment of benefits of
a Covered Condition for twelve (12) consecutive months. The Restoration of Policy Benefits does not
apply to Alzheimer’s disease or Paralysis.
If the Policy includes coverage for Cancer, as shown on the Policy Schedule Page, benefits for the
reoccurrence of a previously diagnosed Cancer are subject to Documented Medical Evidence that
supports a Cancer’s Period of Remission. We retain the right to have such Documented Medical
Evidence reviewed by an Oncologist of Our choice.
The Restoration of Policy Benefits is subject to the Lifetime Maximum Benefit shown in the Schedule.
Optional Return of Premium Rider
**
:
If this rider is selected, we will return any
premiums paid (less any claims paid), if you pass away before the first policy anniversary which follows
the policy holders eightieth (80th) birthday. A Return of Premium Benefit may be payable to your
named beneficiary or estate. Benefit payment under this rider is subject to the Policy being in force with
this rider at the time of your death.
Did you know?
You can use the Cash
Benefits paid by your
Critical Care Policy
however you wish.
Use your cash to
help pay for:
ADDITIONAL BENEFITS INCLUDED WITH MOST PLANS:
}
• Loss of income
• Rehabilitation expenses
• Alternative treatment options
• Out-of-network charges on PPO
• Travel for treatment plans
• Lodging
• Lifestyle changes
• Mortgage loans & debt payments
• Child care expenses
Cancer, heart attacks and strokes caused 80% of new critical illness claims
in 2010.
Alzheimer’s, Strokes and Cancer represent over 70% of Long Term
Care claims paid.
GTL’s Critical Care Plan pays cash benefits upon diagnosis for all
covered conditions
—
and benefits increase when confined to an
Assisted Living Facility or Nursing Home as a result.
Did you know?
(1) Society of Actuaries Report and Genworth Claims Data
(2) American Association of Critical Illness Insurance Study Conducted by Gen Re, 2011 Society of Actuaries Report
G
TL’s Critical Care Plan will pay the chosen monthly cash benefit for your selected monthly benefit
period,
starting immediately
,* upon the diagnosis of a covered critical condition listed below.
The monthly benefits you receive will increase by 50% if you require care in an Assisted Living Facility
and will increase by 100% if you require care in a Nursing Home as a result of a covered condition. The
benefit will be paid directly to you and you can use the cash however you wish. Should you die before
the end of the benefit period, the remaining benefits for the benefit period will be paid to your named
beneficiary.
■
CANCER 100% of your chosen benefit period
■
CANCER IN-SITU 3 Months
■
HEART ATTACK 3 Months
■
CORONARY ARTERY BYPASS SURGERY 2 Months
■
STROKE 100% of your chosen benefit period
■
ALZHEIMER’S DISEASE 100% of your chosen benefit period
■
KIDNEY FAILURE 100% of your chosen benefit period
■
MAJOR ORGAN TRANSPLANT 100% of your chosen benefit period
■
PARALYSIS 100% of your chosen benefit period
■
COMA 3 Months
COVERED CONDITIONS BENEFIT PERIODS
1
2
* In most states there is a 30 day waiting period, beginning on the issue date of the policy.
G
• Loss of income
• Rehabilitation expenses
• Alternative treatment options
• Out-of-network charges on PPO
• Travel for treatment plans
• Lodging
• Lifestyle changes
GUARANTEE TRUST LIFE INSURANCE COMPANY 1275 Milwaukee Avenue Glenview, IL 60025 www.gtlic.com (800) 338-7452. With more than seventy-five years of experience in the insurance industry, Guarantee Trust Life Insurance Company has a proud heritage of providing excellent service and superior insurance products. Guarantee Trust Life Insurance is a mutual legal reserve company located in Glenview, IL, licensed to conduct business in 49 states and the (3) United States Cancer Statistics (USCS). Centers for Disease Control and Prevention, www.cdc.gov/cancer/npcr/ uses/2005/technical notes. Accessed on 4/25/2011 | (4) Stroke Facts. Centers for Disease Control and Prevention, www.cdc.gov/stroke/facts.htm. Accessed on 1/21/11. | (5) Roger V, Go, A, Lloyd-Jones, D, et al. Heart disease and stroke statistics—2011 update. A report from the American Heart Association Statistics Committee and Stroke Statistics Subcommittee. Circulation 2011; 123:e1-e19. | (6) Cancer of All Sites - SEER Stat Fact Sheet. Surveillance Epidemiology and End Results, http://seer.cancer.gov/statfacts/html/all.html. Accessed on 1/25/11.
Insurance Underwritten by Guarantee Trust Life Insurance Company: Policy Series G1132 with rider series RG11HAS, RG11CAN, RG11NH, RG07ROP(D)
PLEASE SEE YOUR INSURANCE CONTRACT FOR SPECIFIC DETAILS. THE ExCLUSIONS AND LIMITATIONS LISTED BELOw ARE TYPICAL, BUT YOUR STATE MAY HAVE SLIGHT DIFFERENCES.
1. Any loss due to injury, disease or incapacity, unless related to or attributable to the covered conditions as defined.
(a) Covered Cancer Condition: Excludes Pre-Malignant tumors or polyps and skin cancer, except melanoma.
(b) Covered Heart Attack Condition: Does not include any other disease or injury involving the cardiovascular system. Cardiac arrest not caused by a myocardial infarction is not a Heart Attack.
2. Intentionally self inflicted injury, while sane or insane.
3. Alcohol or drug abuse (unless drug abuse was a result of the administration of drugs as part of treatment by a Doctor).
4. Committing or attempting to commit a felony.
5. war (declared or undeclared) or any act of war, or service in any armed forces. 6. Engaging in an illegal occupation.
7. Participating in a riot or insurrection.
8. Injury sustained while taking part in any of the following activities:
(a) Amateur or professional sports or athletics, except this does not include amateur sports or athletics which are non-contact or undertaken solely for leisure, recreational, entertainment or fitness purposes.
(b) Mountaineering where ropes or guides are normally used or at elevations of 4,500 meters or higher. (c) Aviation, except when traveling solely as a passenger in a commercial aircraft.
(d) Hang gliding, sky diving, parachuting or bungee jumping.
(e) Snow skiing or snowboarding, except for recreational downhill and/or cross country snow skiing or snowboarding (no coverage provided whilst skiing away from prepared and marked in-bound territories and/or against the advice of the local ski school or local authoritative body);
(f) Racing by any animal or motorized vehicle; (g) Spelunking;
(h) Operating, riding in or upon, mounting or alighting from, any two, three or four wheeled motor and/or engine driven snowmobile or all terrain vehicle (ATV).
• 59% of all costs associated with cancer are non-medical.
3• 1 in 2 men & women will be diagnosed with cancer during their lifetime.
6• In 2010, an estimated 785,000 Americans had a new coronary attack,
and about 470,000 had a recurrent attack.
5• Stroke is a leading cause of serious long-term disability.
4Did you know?
Guarantee Trust Life Insurance Company RECOVER CASH
Underwritten by
Guarantee Trust Life Insurance Company
ADH22-12 15B954
PRE-EXISTING CONDITIONS LIMITATION
Nursing Home Facility Coverage Assisted Living Facility Coverage Home Health Care Rider Choice of Inflation Protection Riders
