Critical Illness Insurance

Critical Provider Plus insurance was created to help alleviate potential financial stressors by paying cash benefits for a wide range of illnesses and accidents.
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What is Critical Illness Insurance?

Critical Illness Insurance is a plan that protects you in the event of a future major illness diagnosis. GTL’s Critical Provider Plus covers conditions such as cancer, major organ transplant, heart attack, stroke, kidney failure and paralysis, among others.

How does GTL’s Critical Illness Insurance work?

Choose your coverage from $10,000 to $100,000. GTL’s Critical Illness Insurance pays up to 2 times for 2 separate critical illnesses. Available for ages 18-64, with a lifetime maximum benefit ranging from $25,000 to $250,000. It’s a simple and flexible way to safeguard yourself during challenging health moments.

Why do I need Critical Illness Insurance from GTL?

Medical advancements have improved survival rates for critical illnesses and accidents. However, there remains a risk of financial hardship due to gaps in medical coverage or inadequate savings which can significantly impact your way of life. Critical Provider Plus offers cash benefits to mitigate these potential financial stressors, covering a broad range of illnesses and accidents.

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How can this policy help me?

Cover Medical Co-Pays and Deductibles

Pay for Experimental Treatments and Surgeries

Supplement Lost Income

Provide Cash for Car and Mortgage Payments

Travel to Medical Treatment Facilities

3 Things to Know…

  • Customize your coverage with Precision Cancer Care, Accident, Return of Premium, and Hospitalization Riders.
  • Your coverage will pay up to 2 times for seperate critical illnesses to boost overall cash benefits up to a 250% lifetime maximum.
  • Coverage is guaranteed renewable for life.

Issue Ages: 18 – 64

Lifetime Maximum Benefit Ranges: $25,000 – $250,000

Guaranteed Renewable for Life

How a Critical Provider Plus Policy Can Help

Meet Emily

(A hypothetical example)

Emily purchased $100,000 in Critical Provider Plus coverage with the Precision Care rider when she turned 40 for $159 per month*

Emily was then diagnosed with stomach cancer at age 45 and received $100,000 from GTL to help her financially while she was not able to work.

She also used her Precision Care Benefit to sequence her cancer biopsy through TGen’s world-class facilities to help find the right treatment and give her the best shot at beating cancer.

With the help of TGen and her doctors, she was able to make a full recovery while knowing it helped secure her finances.

Then at age 52, Emily suffered a heart attack and received another $100,000 from GTL to help pay her bills as she recovered.

At age 54, Emily traveled across the country to undergo heart valve surgery. Emily’s sister also flew out to help support her. Emily received $25,000 from GTL which she used to help pay for their travel expenses.

Great News!

Emily’s total benefits from her $100,000 Critical Provider Plus Policy totaled $225,000!

 

  • Emily purchased $100,000 in Critical Provider Plus coverage with the Precision Care rider when she turned 40 for $159 per month*
  • Emily was then diagnosed with stomach cancer at age 45 and received $100,000 from GTL to help her financially while she was not able to work
  • She also used her Precision Care Benefit to sequence her cancer biopsy through TGen’s world class facilities to help find the right treatment and give her the best shot at beating cancer.
  • With the help of TGen and her doctors, she was able to make a full recovery while knowing how it helped secure her finances
  • Then at age 52, Emily suffered a heart attack and received another $100,000 from GTL to help pay her bills as she recovered
  • At age 54, Emily traveled across the country to undergo heart valve surgery. Emily’s sister also flew out to help support her. Emily received $25,000 from GTL which she used to help pay for their travel expenses

Emily’s total benefits from her $100,000 Critical Provider Plus policy totaled

$225,000!

*Amount doesn’t include association dues. Premium varies based on age, coverage, amount, and benefit riders selected.

You shouldn’t have to worry about covering out-of-pocket medical expenses…

We’ll help connect you with a GTL agent to get covered!

By submitting this information, you agree that GTL and its agents may contact you. Your contact information will be kept confidential.

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Frequently Asked Questions about Critical Illness Insurance

Please find the Critical Illness claim form here. Print and complete the form and return it with the required documentation to the address noted on the first page of the form. If you are a policyholder, claim forms can also be found under the My Account tab in GTL's Customer Portal.

No, there is no waiting period between covered critical illnesses and benefits restore immediately. There is a 30 day waiting period after the effective date of coverage during which no benefits are payable. You have the option to cancel coverage and receive a refund of all premiums paid in such an event.

Yes, your family would receive benefits under the Accidental Death & Dismemberment rider. We provide compensation for loss of life, limb, or sight, as defined in your certificate of coverage, within one year after a covered accident.

This product and its features are subject to state availability and variability. The Policy has exclusions, limitations, reductions of benefits and terms under which the Policy may be continued in force or discontinued. For cost and complete details of coverage, please contact us or your agent. Please call the Life and Health Sales Department at 1-800-323-6907 for complete details. Click here to view product disclosures.

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