Guarantee Trust Life Insurance Co. Reviews

Premiums continued after I canceled coverage. The charges still come out of my bank account. The lease they could do is leave a call back number so that I would have a direct line instead of having to use a general number.

Takes a act of Congress to get a simple two day hospital claim. They keep giving you the run around. I just gave up and cancelled policy. Very unprofessional. Unfriendly on the phone. Very poor overall.

I paid my policy and a day later I received a discount letter stating: "I received a discount but when I called and spoke with Alannah, she said the letter was a Fraud and"GTL doesn't send discount letters." I felt like I was denied the discount because I was **. I called Luminary Life, spoke with Alyssa, she called GTL and the rep, agreed the letter was accurate, not a Scam. We both we shocked to find out Alannah was the Supervisor who again denied my discount. To cover her tracks in her notes she said I called in angry because I didn't receive my discount and she referred my account to her Superiors.

This is the worst insurance company, if you can even call them that, they make you, as a beneficiary, jump through hoops, I had to send papers, Dr. had to send papers, it's been months, no one will tell me anything other than "Call back. It's under review". I've called 4 times in the past 5 weeks, and they still say the same after being on hold for at least a half hour each time, with a recording that keeps telling me to go to their website, which has no information either. Horrible horrible company, NEW YORK LIFE IS SOOOO MUCH BETTER.

My husband has this policy. He was in the hospital several times in a year. GTL paid the reimbursements as the policy said it would. The claims time took about 2 weeks from the time we sent in the forms. The last claim was the last hospital stay when my husband passed away. I received the check in a few weeks.

I'm a little disappointed in this insurance. I was allowed to ball against it one time for $500. There's a time when I ended up in the hospital. I fell behind on my bills. I had to pay and get caught up on my bills. And for the most part my life insurance was straight out of my bank account. But since I was behind I had to cancel that part. So I forgot about it while I was struggling to get caught up on everything else.

This insurance is only good for major accidents. If you have a selected surgery or need physical therapy, they will find pre-existing conditions. They’re very slow in processing your claim and lag communication.

Total scam, lied about cost of coverage and amount of coverage. Sent a piece of paper that said it needed to be signed to continue. It did not. I was charged two months before noticing. They won't refund because it was a misunderstanding.

My friend, of whom I was POA and trustee, chose this insurance company and the agent in southern Ohio. What a horrible group to work with! They basically robbed her blind - even past her death! When I reported it in November I was not told that they would continue withdrawing payments until a death certificate was MAILED to the now retired agent. So three months past her death (and a little over a month after the certificate was mailed), they acknowledge receipt (delayed by agent) and refused a refund! What a joke this company is. If you are considering them... RUN!

Don't let them just take the money out of your account! One of their employees added an extra, unauthorized, policy onto my account and then took double out, without any notice at all. I had to deal with 5 different reps in my attempts to cancel the account and get the unauthorized debit returned. Each rep. getting increasingly rude to snotty. When I asked why I couldn't get the overcharge returned, the last rep, talked over me saying I couldn't talk to her that way. These people are the worst. If they put you through this much when you're healthy, I can only imagine how horrible they are to deal with if you or a loved one is sick, or has died.