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LifeOver65.com
P..O. BOX
91805 Mobile, Alabama 36691-1805 1-800-833-1916
Your entire life you have planned to
ensure that your family had what they need -- a home, food, clothing,
education, and security. But have you thought about planning for one of
the most important decisions of your life. Your Final
Expenses, Funeral and burial Costs.
As families develop and grow so does
the added financial responsibilities.
Guarantee Trust Life Insurance
Company's (GTL) whole life plans provide guaranteed protection and level
rates for a lifetime.
Apply Online
Product Plan
Details - Whole Life Insurance:
Whole life insurance (sometimes called
straight life or permanent life) - provides protection for your entire
life at guaranteed fixed premium (qualified eligible applicants). GTL
offers three plans based on demographics and health history.
Standard Plan:
Ok, so you have had a minor health setback,
overweight, or over the age of 65. The Standard plan is a whole life
policy that provides guaranteed protection for life at guaranteed
standard rates. These rates are guaranteed to stay level for life..
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Issue
ages: 6 months - 85 years of age
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Death
Benefits available:
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$10,000 - $50,000 for ages 6 months to 49
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$3,000 - $25,000 for ages 50 to 85
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*Graded
Plan: not everyone has a clean
bill of health, the graded plan was designed to accommodate situations
where clients do not qualify for the preferred or standard plan. Many
times this is the last option available for individuals to qualify for
whole life insurance.
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In the
event of your death during the first two policy years,
GTL will return the premium paid plus 10%. GTL will pay full benefits
thereafter. (MN applicants see note #1)
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Accidental Death Benefit: Full benefits for accidental death from
the first day the policy is issued. (Not Applicable in: AR)
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Issue
ages: 50 to 80 years (MN applicants see note #2. MO applicants see
Note #3) |
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Death
Benefits available:
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$3,000 - $25,000 for ages 50 to 80
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Preferred Plan:
Great health means great rates. It
is important that you insure your insurability. This is the time for
you to buy insurance because you never know what the future holds and
you should lock in the great rates guaranteed for life.
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Issue
ages: 6 months - 65 years of age
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Death
Benefits available:
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$10,000 - $50,000 for ages 6 months to 49
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$3,000 - $25,000 for ages 50 to 65
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$25,000 - $3,000
for ages to 50 -85
Living Benefits:
GTL's Whole Life plans also contain Living Benefits, which allow you to
receive 75% of the death benefit in the event of a terminal illness or
permanent nursing home confinement. This Benefit is added to your
coverage at no extra cost. (Living benefits are not available on the
graded plan.) (Nursing Home Trigger not available in KS and OK)
(Living Benefit Rider not available in MD, MA, NJ, PA, SC, TX, VT & VA)
Underwriting Requirements:
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5
minute online quote & application - the online system will qualify
you for what plan (preferred, standard, graded, none) you are eligible
to receive based on your input into the online quote/application
engine. |
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No
Medical Exam |
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Ages
76 and over - telephone interview
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to 50 ages for $25,000 - $3,000 85<>The
following exclusion applies:
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< to 50 ages for $25,000 -
$3,000 85<>Guarantee Trust Life Insurance Company will not pay life
insurance benefits for suicide while sane or insane (in MO, only while
sane) before coverage has been in force for two years.
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Notes:
#1: MN, 1st
and 2nd year death benefits are four times the first year premium. Full
benefits thereafter.
#2: MN, Issue
Ages: Male 50-75 and Female 50-80
#3: MO, Issue
Ages: 50-75
>> "No
optional riders available"
Graded Plan
is not available in all states. Percentages may vary in certain states.
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