Compare Guarantee Trust Life (GTL)

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Comparing Guarantee Trust Life (GTL) Long-Term Care

There are differences between the policy language and benefits between companies that offer Long-Term Care Insurance although the major benefit options are similar. However key differences do exist. It is important to know and understand the differences between GTL and other companies.

GTL offers short duration limited policies (known as “short-term care”) with a more expanded underwriting guideline compared to other companies. GTL offers these plans as a solution for those with some health issues, those who may be older, or for a person looking to add additional benefit to an existed policy. They also offer a “critical care” plan designed to pay benefits when a person gets diagnosed with one of several conditions including extra benefits when you must be in a nursing home or assisted living facility

Companies have significant premium differences. Premiums are based on the amount of benefits you wish to have along with your AGE, HEALTH and specific discounts you might qualify for.

Matt McCann works with all the major companies in the industry and can compare features and benefits as well as the costs between the plans. Features and options can vary from company to company.

GTL does not offer partnership policies. Learn more about the federal/state partnership program here:

Underwriting criteria – which health conditions you have today that might be insurable will vary between companies. Matt McCann understands the underwriting guidelines for GTL and all the major companies in order to match you with the best coverage at the most value.

Discover the differences and compare. Matt, with his years of experience (since 1998) will help you determine if coverage is suitable for you, if you health qualify for coverage and then recommend appropriate benefits and options.


Long-Term Care Insurance is custom designed specific to you. Matt’s general philosophy is to design an affordable plan with the best company available (based on your current age and health) so you can take a catastrophic situation and make it manageable. The idea: Safeguard your retirement funds (401(k) IRA 403(b) while reducing the tremendous burdens that are placed on your family when you have an aging or health issue and need extended care.

Long-Term Care Insurance is Easy and Affordable Asset Protection. Most people are surprised how affordable a plan can be especially if you obtain coverage before you retire when you are in good health.