Critical Illness and Cancer

Critical Provider is a term life insurance policy with an accelerated benefit rider that pays a lump sum benefit directly to you upon diagnosis of a critical illness or condition.

You can choose a full or limited benefit option and use that cash benefit to

• cover health insurance deductibles or co-payments,
• replace lost income,
• take a recuperative vacation, or
• cover any other needs to help you maintain your quality of life.

Plan Details

Critical Provider will accelerate a direct percentage of your term life insurance policy's death benefit for the following 18 diagnosed illnesses:

• 100% Cancer
• 100% Heart Attack
• 100% Stroke
• 100% Coronary Bypass Surgery
• 100% Kidney Failure
• 100% Major Organ Transplant
• 100% Coma
• 100% Paralysis
• 100% Blindness
• 75% Terminal Illness
• 75% Nursing Home Confinement
• 25% Benign Brain Tumor
• 25% Alzheimer's Disease
• 25% HIV Infection from Blood Transfusion
• 25% Parkinson's Disease
• 25% Aorta Graft Surgery
• 25% Heart Valve Replacement or Repair
• 10% Coronary Angioplasty

All benefits from the Critical Provider plan are paid to you regardless of any other insurance you may have. A 100% death benefit is payable if no other benefit listed above has been paid. All above conditions are payable one time only.

The Facts

• Thirty-three percent of families who deplete all or most of their savings do so because of a serious illness. [1]
• In 2008, the cost of heart disease and stroke in the United States was projected to be more than $448 billion, including health care expenditures and lost productivity from death and disability. [2]
• In the U.S., men have slightly less than a 1 in 2 lifetime risk of developing cancer and women have a little more than a 1 in 3 risk. [3]

NOTE: Not all of our products are available in all states where we are licensed. The plans have exclusions, limitations and terms under which the plan may be continued in force. Availability, features, benefits and options may vary by state. Please call the Life and Health Sales Department at 1-800-323-6907 for complete details. 

[1] LIMRA MarketFacts, Spring 2002. “Critical Illness Insurance: A Lump-Sum Review.”
[2] Centers for Disease Control and Prevention, “Cardiovascular Health – At A Glance,” National Center for Chronic Disease Prevention and Health Promotion. http://www.cdc.gov/nccdphp/publications/AAG/dhdsp.htm, accessed November 2008.
[3] American Cancer Society. Cancer Facts & Figures 2008. Atlanta: American Cancer Society; 2008.

Cancer

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 a heart attack or stroke.
While many positive steps have been made in cancer research, cancer treatments can be very expensive. Do you have the funds to pay for the hospital expenses, treatments and prescriptions should you be diagnosed with cancer?
GTL offers two types of cancer insurance plans: Schedule of Benefits and Lump Sum Plan.
Schedule of Benefits

• Lump sum benefit from $1,000 to $10,000
• Return of Premium Rider
• Heart Attack and Stroke Rider
• Guaranteed renewable for life
• Individual or family coverage available

Lump Sum Plan

• Lump sum benefit paid directly to you upon first diagnosis of cancer
• Benefit amounts from $10,000* to $50,000
• Heart Attack and Stroke Rider
• Return of Premium Rider
• Guaranteed renewable for life
• Individual or family coverage available

*$5,000 for age 50 and over.  

NOTE: Not all of our products are available in all states where we are licensed. The plans have exclusions, limitations and terms under which the plan may be continued in force. Availability, features, benefits and options may vary by state. Please call the Life and Health Sales Department at 1-800-323-6907 for complete details.

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