Our Finances

Guarantee Trust Life Insurance Company has enjoyed another strong year in our 90 years as a company. In 2025, GTL posted a $34 million operating gain while growing surplus by 10 percent, assets by 2 percent, reserves by 3 percent and achieving net premium of $305 million.

As of 2024, GTL is proud to have a Financial Strength Rating of “A” (Excellent) and a Long-Term Issuer Credit Rating of “a” (Excellent) by AM Best.*

*A.M. Best rating for Guarantee Trust Life Insurance Company (GTL), 2024. GTL has a financial strength rating on A (Excellent, 3rd out of 15 rating scale, from “A++” to “F”). A.M. Best’s rating is assigned after a comprehensive quantitative and qualitative evaluation of a company’s balance sheet strength, operating performance, and business profile.

Financial Income Shown in Millions

Invested Assets

Balance Sheet

$946 million in total assets

$891 million in invested assets

$720 million in total liabilities

$666 million in total reserve for life policies and contracts, and accident and health policies

$226 million in net surplus

Bonds

92% of the bonds we hold are designated “Highest Quality” (Class 2) by the National Association of Insurance Commissioners (NAIC).

Diversification

The portfolio is well-diversed across a variety of quality sectors with 40% in Corporate Bond Securities, 14% in U.S. Government Agencies, and 5% in Municipal Bond Securities.

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