Our busiest days are Mondays and Tuesdays, but you can always log into GTLIC.com to access to your policy information from our Customer Portal. (See “Can I view my policy online”).

Yes! Please visit the homepage and click on Policy Login to register or sign in to view your policy. The majority of our policies are available online but should you find yours is not available, please contact the Customer Service Department at 1-800-338-7452.

For information on your policy, please visit the homepage and click Policy Login. Once you are logged in, you can access policy information, claims status or download your ID card or claim forms. If you need to check the status of your recently submitted application, or cannot login online, call our Customer Service Department at 1-800-338-7452. It is helpful to have the policy number ready when you call.

Once you register, you can access your policy online; the option to Get Policy is on your homepage under My Coverage. Select the blue Get Policy button to download! To receive a duplicate copy of your policy via email or mail*, please call the Customer Service Department at 1-800-338-7452.

*Fees may apply

You can change or update your banking information on our Customer Portal. Once you have registered, you can update your banking information on your homepage under My Coverage. Underneath your current banking information, you will see an option to click on Update Banking Information.

You can update your address, phone number or email on our customer portal. Once registered, you can navigate to the My Account tab and select My Profile; there you can update your information with the UPDATE INFORMATION button.

Please complete a Policy Change Form if you wish to make changes to your beneficiary or name. Please note, this must be signed by the owner of the policy.

For copies of Policy Change forms, you can download from the PDF forms listed below. Please return the completed form to GTL at the following address:

Guarantee Trust Life Insurance Company
ATTN: Policy Owner Services
1275 Milwaukee Ave.
Glenview, IL 60025

Policy Change Form – Correction

Policy Change Form – Beneficiary

Policy Change Form – Ownership

Policy Change Form – Annuity Withdrawal/Surrender

If you have trouble downloading a form, please call our Customer Service Department at 1-800-338-7452.

• My Coverage – You can view your benefit details
• Review My Health Claims – You can view the status of your claim online.
• Download Claim Form – When you log in to MY Account, the claim form specific to your coverage is available to download.
• Your claim form offers a detailed informational checklist to outline what documentation is required and important information pertaining to the submission of your claim.

Claim forms are available on the MY Account customer portal and once you have signed in, it will provide you the correct form, based on your policy number and type of coverage you are filing under. Each claim form package contains a cover sheet with important information about filing your claim and what you may need to know. If a claim form is not available, it’s because it’s not required.

Once eligibility has been confirmed, a check will be sent to you or the Provider if you assigned the benefits. If we are making payment directly to the provider, you will still receive a copy of a benefit statement showing a payment was made.

Among the paperwork you may receive to sign at the time of service, your provider may provide you with an agreement to assign insurance benefits to their facility directly. If you sign this agreement with your provider at service time, we are obligated to provide any benefits directly to the provider. You will receive a copy of our EOB notifying you the claim was processed.

Medicare Part A (Inpatient Hospital-Skilled Nursing Facilities)

• Most often your provider will communicate directly with Medicare to ensure payment for benefits due under the Medicare program. If after Medicare has paid their portion, you still need to file for Part A supplement benefits, the provider can most often send us the correct forms we need in order to process your claim and then provide benefits directly to the provider. If your provider does not submit the forms for you, please send us the hospital or nursing home bill and the Explanation of Medicare Benefits (EOMB). No claim forms are necessary and as soon as we receive the required statements, your claim will be promptly processed.

Medicare Part B (Doctors-Outpatient Facilities)

• Claims for Part B are submitted to us automatically and electronically from Medicare through what is called the Crossover Program. We send Medicare a file every two weeks listing all our current Medicare policyholders. In turn, once Medicare finishes processing their Part B claims, they will then forward to us any claims on our policyholders.
• If you elected to participate in the Crossover Program, your provider will send your claim information to Medicare, Medicare will process their payment to the provider and they will send us a copy of your claim so we can process your supplement benefits. There are no claim forms necessary and as soon as we receive the claim, we will process your benefits.
• If you elected not to participate in the Crossover Program by opting out, then you are responsible for obtaining the bills and Medicare EOMB (Explanation of Medicare Benefits) statements from your provider and Medicare, and submitting them to us.

Mail to:

Guarantee Trust Life Insurance Company
P.O. Box 1144
Glenview, IL 60025

Fax to: 847-699-1048
Email to: HIClaims@gtlic.com

If you have any questions about the claims process, please call us at 1-800-338-7452.

Once eligibility has been confirmed, a check will be dispatched to you or the Provider if you assigned the benefits.

No you cannot. Your Medicare Supplement policy with GTL is designed to coordinate with Medicare and pay your co-insurance amount that Medicare doesn’t.

No it is not, they are two very different programs.

No it will not. Your Medicare Supplement coverage can only coordinate with Medicare.

This coverage is designed to offer benefits for Inpatient Hospital confinements, but we may be able to consider your Outpatient Hospital services IF you have been at the hospital for more than the required hours of your plan. In order to consider we will need the Outpatient Hospital bill reflecting admit and discharge times so we can verify the length of time you were at the facility to consider a possible Daily Benefit.

We need an itemized bill. The documents should include the insured’s name and policy number.

We recommend submitting your Rx claims, monthly, quarterly or annually. Many pharmacies will give you printouts for those time periods so you don’t have to submit individual pieces of paper. You do not need a traditional claim form for Rx claims, there is however a Prescription Drug Routing Form on the Customer Portal that could help to expedite your claim process. Please do not send your prescription bottles or labels from bottles – Your pharmacy should be able to provide you with a breakdown of medications.

Please review your claim form on the customer portal once you have signed in. There is a detailed breakdown of what documentation would be required to file a claim.

Yes! Claims submissions from any sender is welcome for our review.

The contestable period is the first two years of your policy. If you answered medical questions when signing up for your insurance coverage, medical records may be requested from your doctor/s to support your answers to the application questions. Please note, the request for medical records may cause a delay depending on your doctor’s turnaround time in providing us with the requested records

Check your insurance policy to see whether your policy has a pre-existing condition limitation and refer to the pre-existing definition within your policy. Be sure to read through this provision within your specific policy as this varies by plan. Any loss due to a pre-existing condition is not covered unless the loss begins more than the timeframe indicated in your policy after your Effective Date of coverage.

It is recommended that you file your claim as soon as you get your bills as there is a Timely Filing requirement with a 15-month maximum in order to be considered.

GTL does not allow for online claims submission at this time.

Mail your claim submissions to:

PO Box 1144
Glenview, IL 60025

Fax to: 847-699-1048
Email to: HIClaims@gtlic.com

Please place any request in writing if you wish to appeal the outcome of your claim. It is recommended that you submit any additional supporting documentation for review. Please see your Explanation of Benefits Statement which provides information on where to submit your appeal.

A beneficiary, family member or funeral home should call our Customer Service Department at 1-800-338-7452 with the following information:

• Insured’s name
• Policy number
• Date of death

Customer Service will verify that we have a life policy in force and advise what documentation will be needed to file the claim.

The initial documentation needed includes:

• Completed claim form, including HIPAA form, by the beneficiary or beneficiaries (forms will be provided by GTL)
• Certified death certificate (original, not a copy)
• The original policy (if available)
• Copies of any police or autopsy reports, if applicable

Customer Service will mail a letter listing these initial documents and provide the claim form to be completed. Once this initial documentation is returned to GTL, your Claim Representative will review the claim and notify you if any additional forms or information are required.

This is group accidental bodily injury insurance for students of participating schools or programs. It covers accidental bodily injury occurring while the coverage is in force and during covered events. Illnesses such as measles, sore throats, etc., are not covered.

To find out if your school is involved in our insurance plans, please contact your school and ask for the person who handles the Student Accident insurance. If your school is not and is interested in our Student Accident coverage, please have them contact our Special Risk Department at (800) 592-7933 or at studentquotes@gtlic.com for assistance.

To enroll, please contact your school and ask for the person who handles the Student Accident insurance.

The Master Policy is available at your school or school district’s main office.

The price on the enrollment form is all you need to pay to be covered for the school year. Your proof of coverage would be your cashed check or credit card statement. If you purchased coverage online, you would also receive a confirmation page at the conclusion of your purchase.

If purchasing coverage online, the effective date of your child’s policy will be 12:01 a.m. following the submission of your application and premium or the first day of school, whichever is later. If mailing the application and premium directly to the school or agent, coverage is effective the date of receipt in their office or the first day of school whichever is later.

We cannot offer refunds for our plan because it is an annual term policy and we would have covered the child during the time that they were participating in activities at the school. Coverage will remain in force even if the child transfers to another district.

ID cards are not issued to each child. Save your cancelled check or confirmation page as proof of purchase. Also, if a medical provider wants to verify your child’s coverage, they can call our Customer Service Department at (800) 622-1993.

Claim forms are available at your school or from the agent. If the accident occurred during a school time activity, a school official may need to complete and sign part of the form. If your school is closed or unavailable, you can contact our Customer Service Department at (800) 622-1993 for a claim form.

Please contact our Customer Service department at (800) 622-1993.

If your policy has been lapsed, on Extended Term or on Reduced Paid Up for five years or more, reinstatement is not available. If your policy has been lapsed, on Extended Term or on Reduced Paid Up for less than five years, you may apply for reinstatement. If the policy has lapsed one year or more, at least three years of medical records will be required.

Please call our Customer Service Department at 1-800-338-7452 and our representatives will supply you with the necessary forms and inform you of the premiums needed to reinstate. When we receive your premium and completed reinstatement application, it will be sent to our Underwriting Department for approval. If approved, the premium will be applied and your policy will be reinstated; if it is not approved, your premium will be returned to you.

If your health policy has been lapsed for more than six months, reinstatement is not available. If your policy has been lapsed for less than six months, you may apply for reinstatement.

Please call our Customer Service Department at 1-800-338-7452 and our representatives will supply you with the necessary forms and inform you of the premiums needed to reinstate. When we receive your premium and completed reinstatement application, it will be sent to our Underwriting Department for approval. If approved, the premium will be applied and your policy will be reinstated; if it is not approved, your premium will be returned to you.