Guarantee Trust Life Insurance Co.

Long story short my mother died from cancer in which she has a 10k cancer policy with this company, and now they are trying to find EVERY loophole not to pay. Everything I sent them stated my mom died from cancer and for them that isn't enough. The pathology report, the hospital itemized bill, and even the hospices report says she died from cancer. Here is the ** part. THEY SENT THE HOSPITAL CANCER CHECK FOR 1K WITHIN A WEEK, SO YOU CLEARLY RECOGNIZE SHE HAD CANCER. DON'T DO IT.

This company is a joke. I read some of the reviews and only the good reviews are at the top. The rest are bad and along with mine. DO NOT TAKE OUT THIS INSURANCE!! I turned in a claim for a sinus surgery that I had to have because the Dr. stated that "mold" had gotten into my sinus and set up housekeeping. I kept getting letters stating that there wasn't enough information, not the right codes, they couldn't get in touch with my primary dr. and now they're wanting to know if it was a "pre-existing condition".

I found out my elderly mom had a GTL hospital indemnity plan after she was submitted to the hospital for the flu. I helped her to submit a claim by email and she received a check approximately 8 weeks later. Very pleased.

I was tickled that this plan allowed me 300 reimbursement for Rx purchases which I filed with them. The total charges are $400++, and my claims were 300 so I paid a 100 a year for Home Heath Care if I need a nurse, have a stroke, heart issue, etc. That is cheap. Now I read the complaints and I do not know what specific policy they have or what it was for, but I would say, "give them the benefit of the doubt" until you talk with them about reviews and your policy in particular. I'm calling tomorrow. Hope you do the right thing based on your findings and the use of a good broker you trust.

Daniel in N. Carolina, age 75

I am the advocate for my Aunt. Her policy was purchased in 2009 when she retired after 32 years of working. I contacted the company about medical reimbursement. They were very timely in sending my aunt her check for hospital and a short nursing home stay for rehabilitation. Thank you GTL for promptly sending my aunt’s check in order for us to help with hospital cost. I am 63 and will be purchasing a Medicare supplement through your company.

In Nov of 2017, I turned 65 and decided (with my family concern, my neighbor's input and a GREAT agent's help) to purchase what is called a MAPD - a Medicare Advantage plan WITH drug coverage included. My agent showed me both the HMOs and PPOs in the area and we looked up all the plans my Doctors/Specialists/Hospitals/etc take. I took a PPO plan from a big 6 (UHC [not AARP like everyone says], Aetna, Humana, the Blue Boys, Cigna, - we don't have Kaiser here) Insurance company with the Hospital Indemnity Plan from Guarantee Trust Life or GTL. The plan costs me about $45 a month and in the time I've had it (a little over a year now) I've collected $1150 dollars! I love my "Aflac for Seniors".

I very rarely leave a review anywhere, but I feel like I just have to here. All of these people with complaints must have something strange going on. I have had my Medicare Supplement insurance with GTL for several years, and I have never had any kind of problem. None. Last year I was very sick with a cancer, and my bills ran up above 220 thousand. They paid every penny! I couldn't believe I did not get a single bill. I didn't even have to call their customer service line once, which amazed me. My doctors took care of the billing for me, and they must have got paid, because I never heard a word of complaint. Really good service is so rare these days. When I took a look at this site out of curiosity, and saw the awful things some people said, I just had to speak up. THANK YOU GTL for saving my life, literally! Stay strong and don't let the crazies get you down! We Medicare customers love you.

My mother was scammed into purchasing this policy. Multiple claims were filed and the Company arbitrarily denied every claim for various reasons. The EOBs contains errors by the Company with the incorrect information and dates of service. Additionally, the policy does not have a timeframe for submitting claims, but claims were denied for being too old. The Company knows that the claims are too small that it does not make financial sense for the policyholder to engage an attorney to contest. I would not recommend this Company to anyone. I believe they exist to take advantage of senior citizens.

It's Nothing like real Insurance. These "people" had no problem taking $400+ in premiums. When I turned in one claim for $200 they refused to pay. Demanded more and more documentation. I had an attorney look and he said "You could win a suit, but for a few hundred bucks??" So the alleged "Insurance" is worthless. They apparently stay in business thru client turnover. Stuff your money in a mattress, it's safer.

I took out 3 policies on my kids 14 years ago. I was told rates would never go up and cash value would build. Today I get a letter. My oldest son's policy tripled in prices. And I was told there was no cash value built up after 14 years. For a 15 dollars a month my son could get a 200k policy. So why would I keep paying same for 12k. Lady on phone didn't care and didn't try to help. She told me that letting the policy lapse was only option other than paying Higher rate. DON'T USE THIS CROOKED COMPANY.