Guarantee Trust Life Insurance Company (GTL)

Guarantee Trust Life Insurance Company (GTL)

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Why GTL's Hospital Indemnity?

GTL's Advantage Plus Hospital Indemnity Insurance is the industry-leading hospital indemnity plan with a history of no rate increases and no reduction in policy benefits since its launch in 2005.

Rates stay the same as your client ages, and it's guaranteed renewable for life.

The base plan includes:

  • Hospital Confinement
  • Emergency Room Benefits
  • Mental Health Benefits
  • 12+ Hour Observation Stay Covered

Available riders include cancer lump sum, critical accident, skilled nursing facility, dental and vision, and outpatient surgical.

Don't forget about GTL's text-to-chat! Get answers quickly without every calling! To get started, text 800-323-6907. This service is available during GTL's normal business hours.

GTL Advantage Plus Hospital Indemnity Plan Training Webinar

Watch a webinar training recording of the GTL Advantage Plus Hospital Indemnity plan.

GTL Advantage Plus Product Details

GTL's Advantage Plus HIP offers benefits for:

  • Hospital Confinement
  • Observation Stay
  • Emergency Room
  • Mental Health

Visit the GTL agent portal and download your state's brochure for more plan specifics.

State Availability

Visit GTL's website to click on your state and see which products are available. You can also reference this state approvals chart:

Last updated June 3, 2021

Benefit Riders

GTL's HIP offers the following riders:

  • Cancer Lump Sum Benefit Rider
  • Critical Accident Benefit Rider
  • Skilled Nursing Facility Benefit Rider
  • Ambulance Benefit Rider
  • Dental and Vision Benefit Rider
  • Short Duration Hospital Stay Benefit Rider
  • Outpatient Surgical Benefit Rider

New to Hospital Indemnity Plan (HIP) Sales?

Clients with Medicare Advantage are excellent candidates for a HIP plan. Learn more about how to make the sale here:

Plus, learn how to use our quote engine, which has a neat pairing feature for MA and HIP: