SUPPLEMENTAL SOLUTIONS SPECIFIED DISEASE PLAN

Transcription

1 SUPPLEMENTAL SOLUTIONS SPECIFIED DISEASE PLAN COVERAGE FOR: CANCER CRITICAL ILLNESS* BENEFITS PAID TO YOU GUARANTEED RENEWABLE FOR LIFE ADH33-03-GA 16B595 REV. 8/14

2 YOUR LIFETIME RISK OF DEVELOPING CANCER IS 1 IN 2 FOR MEN AND 1 IN 3 FOR WOMEN. 1 APPROXIMATELY 1 MILLION AMERICANS SUFFER A HEART ATTACK EACH YEAR ,000 AMERICANS SUFFERED A STROKE IN EACH HEART ATTACK COSTS A MINIMUM OF $150, % OF THE OVERALL COSTS OF STROKES ARE INDIRECT COSTS. 4 1 American Cancer Society Cancer Facts nd Figures Medline Plus 3 Early Warning Healthcare Institute 4 University of Utah Health Services MOST OF US KNOW SOMEONE WHETHER IT S A FRIEND, FAMILY MEMBER, OR NEIGHBOR whose life has been affected by cancer, or other critical illness. Because these diseases are the leading causes of death in the United States, the statistics are a concern to us all. 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 from other critical illness. Under this plan, a host of benefits for inpatient, outpatient, and surgical expenses are offered and you can choose the plan that best fits your needs and budget. This policy pays in addition to any other insurance you may have including Medicare and Medicare Supplement plans. Also, you cannot be cancelled. As long as you pay your premiums, your coverage is guaranteed renewable for life. FEATURES OF GTL S SUPPLEMENTAL SOLUTIONS SPECIFIED DISEASE PLAN Benefits Paid to You: Benefits are payable in addition to any other insurance coverage you may have. Four Different Plans Available: Benefit amounts are flexible depending on your specific needs. Coverage for Critical Illness: Choose this rider and you will receive inpatient, outpatient, and surgical benefits for other covered critical illness* according to the policy s schedule. Benefit amounts are flexible depending on your specific needs. Lump Sum Rider: This rider provides a lump sum benefit between $1,000 and $10,000 upon first diagnosis of cancer. If you select both the Critical Illness rider and the Lump Sum rider, an additional single payment will be paid upon diagnosis of cancer, or any of the other critical illnesses. Guaranteed Renewable for Life: The policy is guaranteed renewable. This means that as long as premiums are paid, your policy can never be cancelled. Individual or Family Coverage Available: Choose the plan that fits your needs. *Coverage limited to heart attack, coronary artery bypass surgery, major organ transplant and stroke.

3 Supplemental Solutions Specified Disease Plan will pay the following benefits for treatment upon First Diagnosis of Cancer, as defined in the policy. If you select the Critical Illness Rider*, you will receive additional benefits. There is a lifetime maximum on all benefits of $250,000. Hospital Confinement Up to $410 per day For each day of hospital confinement, beginning with day 1 through day 90. Extended Hospital Confinement Actual charges up to $600 per day Beginning with day 90 of consecutive hospital confinement. Hospital Confinement Inflation Fighter Up to $20 per day Increases the hospital confinement benefit each year for the first 5 years the policy is in force. Daily Room Benefit Up to $300 per day During the first 70 days of hospital confinement. Paid in addition to the hospital confinement benefit. Inpatient Drugs and Diagnostic Testing Actual charges up to $50 per day For medications received or diagnostic testing. Attending Doctor Actual charges up to $40 per day For services while confined in a hospital. Attending Nurse Actual charges up to $125 per day For full time services of a nurse while hospital confined, other than those nursing services regularly furnished by a hospital. Ambulance Benefit Actual charges up to $300 per trip For transportation to or from a hospital where you are confined as an inpatient up to 4 trips per year. Surgical Procedure Up to $9,000 For surgery performed by a doctor due to cancer according to the policy surgical schedule. Anesthesia Benefit Up to $2,250 Benefits are paid at 25% for anesthesia administered during a surgical procedure covered under the Schedule of Benefits plan. Radiation / Chemotherapy Actual charges up to $300 per day For radiation or chemical treatments which are part of a definitive treatment. An additional benefit of up to $500 is paid at the time of the first radiation or chemotherapy treatment. Breast Reconstruction Actual charges up to mastectomy amount For breast reconstruction as the direct result of surgery for which benefits are paid under the policy. Blood and Plasma Up to $80 per unit For blood and plasma, other than your own blood, received during definitive treatment of cancer. Skilled Nursing Facility Actual charges up to $150 per day For confinement in a skilled nursing facility which begins 14 days after discharge from a hospital, equal to the number of days paid under the hospital confinement benefit. Home Care and Recovery Up to $25 per day For home care and recovery, equal to the number of days paid under the hospital confinement benefit. Prosthesis Actual charges up to $2,500 per device For prosthetic devices needed as the direct result of, and received within 3 years of, a cancer surgery for which benefits were paid under the policy. Hospice Up to $120 per day Hospice services if you are diagnosed as terminally ill, from day 1 to day 60. Up to $60 per day starting with day 61. Comfort Benefit Up to $226 per year For anti-nausea medication prescribed by a doctor. Bone Marrow Transplant Lump sum up to $10,000 For human bone marrow transplant for the definitive treatment of cancer. Benefits increase by 5% after the first policy anniversary for the first 10 years the plan is in effect. Family Member Lodging Actual charges up to $60 per day For lodging expense incurred by a family member while you are confined as an inpatient for treatment of cancer in a hospital that is located in the U.S. and is more than 100 miles one-way from the family member s home. Family Member & Non-Local Patient Transportation Actual charges up to $2,500 Coach class plane, train or bus expense on a regularly scheduled route for a family member when you are confined in a hospital located in the U.S. that is more than 100 miles one-way from a family member s home. For travel by automobile, up to $0.40 per mile. *The Critical Illness Rider provides coverage for heart attack, coranary artery bypass surgery, major organ transplant and stroke.

4 WITH MORE THAN 75 YEARS EXPERIENCE IN THE INSURANCE INDUSTRY, GUARANTEE TRUST LIFE INSURANCE COMPANY HAS A PROUD HERITAGE OF PROVIDING EXCELLENT SERVICE AND SUPERIOR INSURANCE PRODUCTS. GUARANTEE TRUST LIFE IS A MUTUAL LEGAL RESERVE COMPANY LOCATED IN GLENVIEW, ILLINOIS, AND LICENSED TO CONDUCT BUSINESS IN 49 STATES AND THE DISTRICT OF COLUMBIA. Waiting Period: This plan has a 30 day waiting period before any benefits will be paid for loss due to cancer. If the First Diagnosis of Cancer, as defined in the policy, is made during the waiting period, you have the option to cancel the policy and receive a refund of all premiums paid. The waiting period also applies to heart attack or stroke if such optional coverage is selected. Exclusions: This plan does not pay benefits for: (1) treatment, service or supplies which are not medically necessary; are not prescribed by a doctor as necessary to treat cancer; are received without charge or legal obligation to pay; would not routinely be paid in the absence of insurance; or are received from an immediate family member; (2) any loss due to injury, disease, sickness or incapacity, unless such definitive treatment is directly related to or attributable to cancer as defined; (3) care received outside the United States; (4) experimental drugs or substances not approved by the federal food & drug administration for the treatment of cancer; or (5) experimental procedures or treatment methods not endorsed by The American Medical Association or any other appropriate medical society. The exclusions also apply to heart attack or stroke if such optional coverage is selected. Policy Definition for the following: Cancer (Life Threatening) means a malignant tumor which meets the diagnosis criteria of malignancy established by The American Board of Pathology after a study of the histocytologic architecture or pattern of the suspect tumor, tissue or specimen. It is characterized by the uncontrolled growth and spread of malignant cells and the invasion of body tissue by such malignant cells. Cancer includes leukemia. Excluded are Cancers such as: (1) pre-malignant tumors or polyps; (2) cancer in-situ, intraductal non-invasive carcinoma of the breasts; (3) Stage 1 Hodgkin s Disease; (4) carcinoid of the appendix; (5) Stage 0 transitional carcinoma of the urinary bladder; or (6) Skin Cancer, except malignant melanoma. Cancer will not be a covered condition when advice or treatment is received within the Waiting Period or prior to the Effective Date, and such advice or treatment results in the First Diagnosis of Cancer. Heart Attack means only an acute myocardial infarction (irreversible injury and death of a portion of the myocardium or heart muscle) caused by either: (1) coronary thrombosis (complete occlusion of a coronary artery); or (2) severe stenosis or narrowing of a coronary artery causing a partial occlusion of at least 75% of the lumen of such coronary artery. Heart Attack does not include any other disease or injury involving the cardiovascular system. Cardiac arrest not caused by a myocardial infarction is not a Heart Attack. Stroke means an acute cerebrovascular accident or incident, which results in paralysis or other measurable objective neurological deficit lasting more than twenty-four (24) hours. A cerebrovascular accident is a sudden, unexpected interference in brain function caused by insufficient blood flow to part of the brain. Stroke does not mean a head injury, transient ischemic attack or chronic cerebrovascular insufficiency. (Based on policy form G0430 series. For complete details of all provisions, please read your policy carefully.) GUARANTEE TRUST LIFE INSURANCE COMPANY 1275 MILWAUKEE AVENUE GLENVIEW, ILLINOIS

5 ADVANTAGE PLUS HOSPITAL INDEMNITY PLAN PROVIDES CASH BENEFITS TO HELP COVER EXPENSES ASSOCIATED WITH: DAILY HOSPITAL CONFINEMENT AMBULANCE TRIPS CANCER OUTPATIENT SURGERY SKILLED NURSING FACILITY Underwritten by: Guarantee Trust Life Insurance Company ADH61-03 (Rev.1/14) 15B988

6 Chances Are, Your Health Insurance Plan Leaves You With Out-Of-Pocket Expenses Here s an innovative solution to help cover these costs! ADVANTAGE PLUS WILL PAY YOU CASH BENEFITS FOR: DAILY HOSPITAL CONFINEMENT This benefit will pay you a daily benefit amount between $100 and $600 per day should you be confined to a hospital. You can also choose either a 10-day or 21-day benefit period which will restore after 60 days of no hospital confinement. Benefits are paid in cash directly to you and are paid in addition to any other insurance you may have. AMBULANCE BENEFIT RIDER This rider will pay $200 per ambulance trip to or from a hospital, limited to one benefit per hospital confinement and subject to a lifetime maximum of $2,500. LUMP SUM CANCER RIDER* The Lump Sum Cancer Rider will pay you a cash benefit of $2,500, $5,000, $7,500 or $10,000 should you be diagnosed with cancer. This benefit is limited to a one-time lump sum payment. SKILLED NURSING FACILITY RIDER Your policy will pay $120 per day from days if you are confined to a skilled nursing facility. This benefit applies if you are admitted to a skilled nursing facility after having been confined to a hospital for three consecutive days. We will pay benefits as long as confinement occurs within 30 days of hospitalization. This benefit restores after 60 days of no confinement in a hospital or skilled nursing facility. *EXCLUSIONS: You will be eligible for benefits under this rider if all of the following conditions are met: cancer is first diagnosed and treated while insured under this rider; loss due to first diagnosed cancer is incurred while insured under this rider and not excluded from coverage under the policy s pre-existing condition provision; and loss is the result of cancer covered under this rider. Please consult your policy for definitions. This rider is not available in all states. Please refer to your outline of coverage for exclusions and limitations.

7 ADVANTAGE PLUS Means Protection, Choice & Peace of Mind Today more than ever, quality health care has become an absolute necessity. Without it, illness could mean financial disaster. But it s a fact that even the best health insurance plans have out-of-pocket expenses such as deductibles, co-payments and coverage limits that can quickly add up. Should you be confined to a hospital, Advantage Plus can provide you with a cash benefit of up to $600 per day based on the plan you choose. It can also provide benefits for ambulance trips, skilled nursing care, cancer diagnosis and even accidental death and dismemberment all instances where your current health insurance plan may have deductibles or co-payments. With GTL s Advantage Plus, you ll have peace of mind knowing that your health insurance co-pays, deductibles and coverage limits won t surprise you after an illness or accident. LUMP SUM HOSPITAL CONFINEMENT RIDER Some primary health plans leave you with a lump sum hospital co-pay. A $250, $500 or $750 lump sum benefit can be used to help cover that cost. The benefit is payable once during any period of hospital confinement and restores after 60 days of no hospital confinement. OUTPATIENT SURGICAL BENEFIT RIDER This rider will pay $250, $500, $750 or $1,000 for a surgical procedure performed in an ambulatory surgical center or outpatient hospital facility. This surgical indemnity is payable no more than two times per year. ACCIDENTAL DEATH AND DISMEMBERMENT RIDER This rider will pay a cash benefit to you of either $5,000 or $10,000 should you die in an accident. In addition, the rider pays dismemberment benefits as outlined in your policy s benefit schedule. ADDITIONAL BENEFITS Your policy will also pay $175 per day for up to seven days if you are confined to an inpatient mental health facility. In addition, the policy will pay $150 if you are admitted to a hospital within 24 hours following an emergency room visit due to accident or injury. These benefits are available to you as part of your base policy. Product features and riders may not be available in all states. Refer to the state availability chart at gtlic.com

8 Guarantee Trust Life Insurance Company 1275 Milwaukee Ave. Glenview, IL gtlic.com (800) With more than 75 years of experience in the insurance industry, Guarantee Trust Life Insurance Company has a proud heritage of providing excellent service and insurance products. Guarantee Trust Life is a mutual legal reserve company located in Glenview, Illinois and licensed to conduct business in 49 states, and the District of Columbia. This brochure is an illustration, not a contract. Based on policy G0553 series. For complete details of all provisions, please read your policy carefully. Products, features, and riders are subject to state availability. PRE-EXISTING CONDITION: A Pre-existing Condition is a sickness or injury, disclosed or not disclosed on the application, for which medical care, treatment, diagnosis or advice was received or recommended within the six month period immediately prior to your effective date of coverage under this policy; or the existence of symptoms which would cause an ordinarily prudent person to seek diagnosis, care or treatment within the six months prior to your effective date of coverage under this policy. Treatment includes the taking of prescription drugs or medicines. Pre-existing conditions are not covered unless the loss begins more than six months after your effective date of coverage. This Pre-existing Condition period may differ in some states. Please read the Outline of Coverage carefully. PREMIUMS: The Advantage Plus plan is guaranteed renewable for life. Premiums are subject to change only if changed for all policies of this type in your state and on a class basis. BASIC EXCLUSIONS The Benefits, Exclusions and Limitations may differ in some states. Please read the Outline of Coverage carefully. We will not pay benefits for: (1) Treatment, services or supplies which: Are not Medically Necessary; Are not prescribed by a Doctor as necessary to treat a Sickness or Injury; Are determined to be Experimental/ Investigational in nature by Us; Are received without charge or legal obligation to pay; Would not routinely be paid in the absence of insurance; Are received from any Family Member; Are received outside the United States. (2) Expenses incurred as a result of loss due to war, or any action of war, declared or undeclared; service in the armed forces of any country. (3) Expenses incurred as a result of committing or attempting to commit an assault or felony or participating in a riot or civil commotion. (4) Expenses incurred as a result of suicide or intentionally self inflicted Injury while sane or insane. (5) Injury or Sickness arising out of or in the course of employment or which is compensable under any Workers Compensation or Occupational Disease Act or Law. (6) Cosmetic surgery other than: Reconstructive surgery incidental to or following surgery resulting from trauma, infection, or other diseases of the involved part; or Reconstructive surgery because of a congenital disease or anomaly. (7) Injury due to being legally intoxicated, as defined by the jurisdiction in which an Accident occurs. (8) Loss due to voluntarily using any drug, narcotic or controlled substance, unless as prescribed by a doctor. For optional benefit rider limitations and exclusions, please refer to the Outline of Coverage. Optional benefit riders are offered for an additional premium. Policy series G0553 is a limited benefit indemnity policy. It is not a Medicare Supplement policy or certificate, and does not fully supplement any federal Medicare health insurance. If you are eligible for Medicare, you may review the Guide to Health Insurance for People with Medicare available from GTL. Note: This insurance is not major medical coverage and does not satisfy the minimum essential coverage requirement of the Affordable Care Act.

9 Critical PROVIDER 10 OR 20 YEAR RENEWABLE TERM LIFE INSURANCE WITH A CRITICAL ILLNESS ACCELERATED BENEFIT RIDER WHICH PROVIDES CASH BENEFITS FOR 18 CRITICAL CONDITIONS Underwritten by Guarantee Trust Life Insurance Company ADL4-10 (Rev. 1/14) 16B605

10 Critical PROVIDER GTL s Critical Provider offers you the option of a 10 or 20 year level, renewable and convertible term life insurance policy with a critical illness accelerated benefit rider. As a policyholder, this means your coverage will pay a death benefit upon your death, or a living benefit upon diagnosis of a covered condition while your policy remains in force. Whichever portion of the plan you use, whether the term life or critical illness accelerated benefit rider, you and your family can have confidence in the protection your policy provides at a critical time. Today due to early detection, prevention, and advancements in medical treatments, the odds of surviving a life-altering disease or event are better than ever. But for many people, surviving such an illness can bring serious financial and emotional hardship. Whatever the cause may be, many times the financial consequences of living with a devastating loss or illness can place a heavy burden on your everyday routine. No one likes to think about how these events would affect their immediate future, but the likelihood of these major lifestyle changes is real. GTL s Critical Provider plan can help. GTL 2

11 Product DETAILS Critical Provider is a level, renewable and convertible 10 or 20 year term life insurance policy with a critical illness accelerated benefit rider. ISSUE AGES: 0 60 years (age at last birthday). POLICY FEE: $75 annual policy fee (except for ages 0-19). AGES 0-19: Benefit limited to $5,000 or $10,000. Renewable to age 70 and convertible to age 65. INSURANCE AMOUNTS: Minimum face amount is $10,000 or $20 monthly premium ($240 annual), whichever is higher (except for ages 0-19). Maximum face amount is $100,000. ACCIDENTAL DEATH BENEFIT: If the Accidental Death Benefit Rider is purchased, it will provide an additional death benefit in the event of accidental death. The accidental death benefit amount will equal the face amount of the policy. ISSUE AGES: years CRITICAL ILLNESS ACCELERATED BENEFIT (INCLUDED): This rider is included as part of your term life insurance policy. See page 5 for more details. Term plans and riders are subject to state availability. Riders LIMITED COVERAGE AVAILABLE: Select this option and the policy will provide coverage equal to one half (50%) of the covered conditions. UNDERWRITING: This product has a simplified issue, yes/no application. When an application is received in the home office, an MIB search will be run. Coverage is issued on a non-medical basis. WAIVER OF PREMIUM: If the Waiver of Premium Rider is purchased, the plan will waive all of your premiums if you are continually, totally disabled for at least 90 days, until the policy monthly anniversary falls on or directly follows your 60th birthday or through the end of the base policy while the rider is in force. ISSUE AGES: years GUARANTEE TRUST LIFE INSURANCE COMPANY With more than seventy-five years of experience in the insurance industry, Guarantee Trust Life Insurance Company has a proud heritage of providing excellent service and superior insurance products. 3

12 Did You Know? Years ago, a critical illness diagnosis could easily prove fatal. Today, the odds of surviving such a diagnosis are better than ever. Nearly one quarter of strokes occur in people under the age of Each year over a million people in the U.S. have a heart attack. 2 It is estimated that 1 in 6 men will be diagnosed with prostate cancer in their lifetime. 3 Nearly 90% of women diagnosed with breast cancer will survive their disease for at least five years. 4 Covering Your Living Benefit Expenses The cash benefit from your policy will be paid directly to you and can be used to cover both direct and indirect costs. DIRECT COSTS Major medical co-payments and deductibles Out-of-network charges on PPO plans Alternative treatment options Experimental treatments and surgeries Example of How You Could Use Your Living Benefit INDIRECT COSTS Household bills and car payments Travel expenses for care/treatment Lost income and extra time off of work Recuperative vacation Gary and Dawn had just taken out a mortgage to begin building their dream home, their daughter started high school, and their twin boys entered the fifth grade when Dawn s doctor diagnosed her with breast cancer. Dawn s prognosis was good, but she faced a lengthy treatment and recovery process that would keep her out of work for an extended period of time. Fortunately, with the GTL Critical Provider plan they had purchased, Gary and Dawn received a $100,000 cash payment equal to 100% of the face amount of her term life policy. With this cash benefit, they were able to cover her medical expenses while also continuing to make their mortgage payments during her recovery. The people and events depicted in this description are fictional and do not represent actual cases. 1. Centers for Disease Control and Prevention. Stroke Facts and Statistics. Department of Health and Human Services Medline Plus. Heart Attack. U.S. National Library of Medicine and the National Institutes of Health Horner MJ, Ries LAG, Krapcho M, Neyman N, Aminou R, Howlader N, Altekruse SF, Feuer EJ, Huang L, Mariotto A, Miller BA, Lewis DR, Eisner MP, Stinchcomb DG, Edwards BK (eds). SEER Cancer Statistics Review, , National Cancer Institute. Bethesda, MD, based on November 2008 SEER data submission, posted to the SEER web site, Source: 4. National Cancer Institute. Cancer Advances In Focus: Breast Cancer. U.S. National Institutes of Health. 4

13 Why Critical Provider coverage from GTL? Because it s designed to provide you cash when you need it most. GTL s Critical Provider plan will accelerate a direct percentage of your term life insurance policy benefits for the covered conditions listed below. After a living benefit for a condition has been paid, the amount of the term life death benefit then available is reduced to the remaining face amount, if any, of your policy. CONDITIONS FULL BENEFIT OPTION LIMITED BENEFIT OPTION Cancer 100% 100% 50% 50% Heart Attack 100% 100% 50% 50% Stroke 100% 100% 50% 50% Coronary Bypass Surgery 100% 100% 50% 50% Kidney Failure 100% 100% 50% 50% Major Organ Transplant 100% 100% 50% 50% Coma 100% 100% 50% 50% Paralysis 100% 100% 50% 50% Blindness 100% 100% 50% 50% Terminal Illness 75% 75% 37.5% 37.5% Nursing Home Confinement 75% 75% 37.5% 37.5% Benign Brain Tumor 25% 25% 12.5% Alzheimer s Disease 25% 25% 12.5% 12.5% HIV Infection From Blood Transfusion Parkinson s Disease 25% 25% 12.5% 12.5% 12.5% Aorta Graft Surgery 25% 25% 12.5% 12.5% Heart Valve Replacement or Repair 25% 25% 12.5% Coronary Angioplasty 10% 5% All above conditions are payable one time only and may vary by state. Benefits payable are subject to the terms, conditions, definitions and limitations as stated in the policy and benefit rider(s). Accelerated benefits are payable after a 30 day waiting period (not applicable in TX). 100% Death Benefit is payable if no other benefit listed has been paid. 5

14 Product EXCLUSIONS THE FOLLOWING EXCLUSIONS APPLY TO THE BASE POLICY AND ALL RIDERS: If the insured, whether sane or insane, dies by suicide while covered under the policy and riders, within 2 years (1 year in CO and ND) from the policy date, our liability will be limited to a refund of the amount equal to the premiums paid for the policy and riders. THE WAIVER OF PREMIUM RIDER BENEFIT WILL NOT WAIVE ANY PREMIUM IF THE INSURED S TOTAL DISABILITY: 1. results directly from an act of war while the Insured is serving in the military, naval or air forces, or reserve branch of civilian non combatant units serving with such forces of any country at war, declared or undeclared; or 2. results from intentionally self-inflicted injury while sane or insane; or 3. begins after the Policy Anniversary that falls on, or next follows, the Insured s 60th birthday; or 4. results from the permanent and total loss of the sight of both eyes, the use of both hands or feet, or the use of one hand and one foot if such loss is due to an injury occurring, or a sickness commencing, before the issue date of the rider. THE ACCIDENTAL DEATH BENEFIT RIDER WILL NOT COVER DEATH RESULTING FROM: 1. The insured intentionally taking his/her own life or intentionally self-inflicted injury; or 2. travel in any aircraft except as a fare-paying passenger on a regular scheduled commercial flight; or 3. being legally intoxicated as determined by law; or 4. voluntary taking of poisons, except accidental food poisoning; or 5. voluntary taking of drugs, except if prescribed by a doctor; or 6. intentionally inhalation of gas or fumes; or committing or attempting to commit a felony; or 7. war or any act of war declared or undeclared, or service in the military, naval, or air forces. THE CRITICAL ILLNESS RIDER WILL NOT BE PAYABLE IF THE LOSS RESULTS FROM: 1. intentionally self-inflicted injury, while sane or insane (In MO, while sane; in SC, suicide, sane or insane, attempted suicide or intentionally self-inflicted injury); or 2. alcohol or drug abuse (unless drug abuse was a result of the administration of drugs as part of treatment by a Doctor) (In SC, alcohol, or drug addiction); or 3. committing or attempting to commit a felony (In SC, participating in a felony); or 4. war (declared or undeclared) or any act of war, or service in any armed forces (In OK, any war or any act of war, declared or undeclared, while serving in the military forces or any auxiliary unit attached thereto); or 5. engaging in an illegal occupation (Except in SC); or 6. participating in a riot or insurrection. 7. Injury sustained while taking part in any of the following activities:* (a) Amateur or professional sports or athletics, except this does not include Amateur sports or athletics which are noncontact and undertaken solely for the leisure, recreational, entertainment or fitness purposes; (b) Mountaineering where ropes or guides are normally used or at elevations of 4,500 meters or higher; (c) Aviation, except when traveling solely as a passenger in commercial aircraft; (d) Hang gliding, sky diving, parachuting, or bungee jumping; (e) Snow skiing or snowboarding, except for recreational downhill and/or cross country snow skiing or snowboarding (no coverage provided whilst skiing away from prepared and marked in-bound territories and/or against the advice of the local ski school or local authoritative body); (f) racing by any animal or motorized vehicle; (g) spelunking; (h) operating, riding in or upon, mounting or alighting from, any two, three or four wheeled motor/engine driven snowmobile or all terrain vehicle (ATV). *Exclusion 7 applies only to the Critical Illness conditions of Paralysis, Coma and Blindness. Tax Treatment: The payment of an accelerated benefit may be taxable. A personal tax advisor should be consulted to obtain information about the income tax effect on any accelerated benefits Milwaukee Ave. Glenview, IL gtlic.com (800) Guarantee Trust Life Insurance is a mutual legal reserve company located in Glenview, IL, and licensed to conduct business in 49 states and the District of Columbia. FORM 99RTNP, RIDER FORMS R07CTAB, R20WOP, R95ADB. 6

15 G T L CHS PROTECTION PLUS LUMP SUM CANCER, HEART ATTACK & STROKE COVERAGE WITH RECURRENCE BENEFITS Underwritten by Guarantee Trust Life Insurance Company ADH3-12A (Rev. 8/14) 15B945

16 WHY CANCER, HEART ATTACK & STROKE INSURANCE? If you were diagnosed with cancer or suffered a heart attack or a stroke, the last thing you would want to worry about is your finances. Cancer, Heart Attack and Stroke coverage from Guarantee Trust Life Insurance Company can help you receive the financial peace of mind that allows you to focus on what really matters most your recovery. Because out-of-pocket medical expenses are on the rise, GTL s CHS Protection Plus Plan was designed to pay cash benefits directly to you and pays regardless of any other insurance coverage you may have should you or a covered family member be diagnosed with cancer, suffer a heart attack or have a stroke. Did You Know? 61% of the costs associated with cancer are non-medical, indirect costs? 1 39% 61% Indirect Cost Direct Cost The Cash Benefits From Your Policy Can Be Used To: Supplement Lost Income Cover Medical Co-Payments and Deductibles Pay for Experimental Treatments and Surgeries Allow for Extra Time Off of Work Take a Recuperative Trip or Vacation Provide Cash for Car and Mortgage Payments [1]

17 PRODUCT FEATURES & DETAILS... Under this plan, a lump sum amount will be paid directly to you, regardless of any other health care coverage you may have, upon the First Diagnosis of Cancer** or if you suffer a heart attack or stroke. Benefit amounts are flexible, and can range from $10,000 to $75,000, in increments of $5,000 depending on your specific needs. Also, the benefits are eligible to restore through GTL s New Recurrence Benefit option. Issue Ages: 0 85 years (age at last birthday) Coverage: Individual, Single Parent, Couple and Family (Each Covered Person(s) will be covered by the same Lump Sum Benefit amount.) Did You Know? Each year over a million people in the U.S. have a heart attack. 2 1 in 2 men and women will be diagnosed with cancer during their lifetime. 3 Benefit Amounts: Minimum face amount is $10,000 Maximum face amount is $75,000 (In increments of $5,000) ** See Policy definition [2]Medline Plus. Heart Attack. U.S. National Library of Medicine and the National Institutes of Health. [3] Howlader N, Noone AM, Krapcho M, Neyman N, Aminou R, Waldron W, Altekruse SF, Kosary CL, Ruhl J, Tatalovich Z, Cho H, Mariotto A, Eisner MP, Lewis DR, Chen HS, Feuer EJ, Cronin KA, Edwards BK (eds). SEER Cancer Statistics Review, , National Cancer Institute. Bethesda, MD, gov/csr/1975_2008/, based on November 2010 SEER data submission, posted to the SEER web site,

18 HOW CHS PROTECTION PLUS WORKS... Choose the policy that s right for you: 1 LUMP SUM CANCER POLICY: You will receive a lump sum benefit amount paid directly to you upon the First Diagnosis of Cancer 4, as defined in your policy. With GTL s New Recurrence Benefit (see the following page for specifics) that s included with your coverage, benefits restore after you have been in a period of remission for at least one (1) full year from a previously diagnosed cancer and for which benefits have been paid under this policy. OR RECURRENCE BENEFIT INCLUDED 2 LUMP SUM HEART ATTACK AND STROKE POLICY: You will receive a lump sum benefit amount paid directly to you upon suffering a heart attack 5 or a stroke 6, as defined in your policy. The Lump Sum Heart Attack and Stroke policy also includes GTL s Recurrence Benefit and a Coronary Angioplasty or Coronary Artery Bypass Surgery Benefit** which will pay you ten percent of the selected Lump Sum Heart Attack and Stroke benefit amount should a Covered Person have Coronary Angioplasty or Coronary Artery Bypass Surgery. ** PLEASE NOTE: The Recurrence Benefit does not apply to the Coronary Angioplasty or Coronary Artery Bypass Surgery. Benefits are payable one time during the life of your policy and do not reduce the Lump Sum Heart Attack and Stroke benefit amount. Also, this benefit is not payable if the Coronary Angioplasty or Coronary Artery Bypass Surgery is performed as a direct result of a heart attack which immediately preceded the procedure or surgery. Recurrence Benefit Applies to: Lump Sum Cancer Policy Lump Sum Heart Attack & Stroke Policy Policy Definitions for the following: Cancer [4] means: a malignant tumor which meets the diagnosis criteria of malignancy established by the American Board of Pathology after a study of the histocytologic architecture or pattern of the suspect tumor, tissue or specimen. It is characterized by the uncontrolled growth and spread of malignant cells and the invasion of body tissue by such malignant cells. Cancer includes leukemia and Cancer In Situ. Excluded are Cancers such as: 1) Pre-malignant tumors or polyps; 2) Skin cancer, except malignant melanoma See definition of First Diagnosis of Cancer in your policy. Heart Attack [5] means: an acute myocardial infarction (irreversible injury and death of a portion of the myocardium or heart muscle) detected by the rise and/ or fall of cardiac biomarkers (preferably troponin) with at least one value above the 99th percentile of the upper reference limit (URL) together with evidence of myocardial ischaemia with at least one of the following: Symptoms of ischaemia; ECG changes indicative of new ischaemia [new ST-T changes or new left bundle branch block (LBBB)]; Development of pathological Q waves in the ECG; Imaging evidence of new loss of viable myocardium or new regional wall motion abnormality. Heart Attack does not include any other disease or injury involving the cardiovascular system. Cardiac arrest not caused by a myocardial infarction is not a heart attack. Stroke [6] means: an acute cerebrovascular accident or incident, which results in paralysis or other measurable objective neurological deficit lasting more than 24 hours. A cerebrovascular accident is a sudden, unexpected interference in the brain function caused by insufficient blood flow to part of the brain. Stroke does not mean a head injury, transient ischemic attack or chronic cerebrovascular insufficiency.

19 GTL S RECURRENCE BENEFIT Applies to the Lump Sum Cancer Policy and Lump Sum Heart Attack and Stroke Policy After you receive your lump sum payment your benefits are eligible to restore with the Recurrence Benefit. Did You Know? The Recurrence Benefit is a percentage* of the Lump Sum Benefit paid when cancer reoccurs after you have been in a period of remission for at least one (1) full year from a previously diagnosed cancer and for which benefits have been paid under this policy (See chart below for details). Every year, about 795,000 people in the United States have a stroke. About 610,000 of these are first or new strokes. About 30% of people who survive a stroke go on to have another. 7 For the Lump Sum Heart Attack and Stroke Plan recurrence must be at least one (1) full year from the date the Lump Sum Benefit was paid (The Recurrence Benefit percentages are shown in the chart below). About two-thirds of people with cancer are expected to live at least five years after diagnosis. 8 *PERCENTAGE OF LUMP SUM BENEFITS PAYABLE 100% 50% 25% 10% YEARS OF RECURRENCE [7]Stroke Facts. Centers for Disease Control and Prevention, [8]Centers for Disease Control and Prevention,

20 OPTIONAL RIDERS Choose Your Optional Supplemental Riders: 1 INTENSIVE CARE RIDER *: The Intensive Care Rider pays an indemnity benefit of $150 per unit per day for confinement in an Intensive Care Unit for any reason. The rider pays one half (1/2) the benefit amount for confinement in a step-down unit. Benefits are doubled if confinement occurs within 48 hours of an accident, in which you are the operator or passenger of an automobile, motor home, bus, motorcycle, or any truck with a load capacity of 2,000 or less or as a fare paying passenger on any vehicle, boat, ship, aircraft or train. Benefits are limited to 30 days of confinement in connection with any one hospital admission. Benefits for this rider reduce by 50 percent at age 70. * Subject to a 30 day waiting period. 2 RETURN OF PREMIUM RIDER **: We will return all premiums (less any claims paid) if you pass away prior to age 85. ** Return of Premium Rider not available in Connecticut. Additional Riders Continued on next page GUARANTEE TRUST LIFE INSURANCE COMPANY With more than seventy-five years of experience in the insurance industry, Guarantee Trust Life Insurance Company has a proud heritage of providing excellent service and superior insurance products.

21 OPTIONAL SUPPLEMENTAL RIDERS CONTINUED... 3 THERAPY & WELLNESS RIDER: GTL S Therapy and Wellness Rider pays an Indemnity Benefit of $50 per calendar year for one (1) of the following tests: MAMMOGRAM CHEST X-RAY THERMOGRAPHY BREAST ULTRASOUND MRI COLONOSCOPY BREAST MRI (MAGNETIC RESONANCE IMAGING) ANGIOGRAM VIRTUAL COLONOSCOPY CA15-3 (BLOOD TEST FOR BREAST CANCER TUMOR) ELECTROCARDIOGRAM SERUM PROTEIN ELECTROPHORESIS PAP SMEAR HEART CATHETERIZATION ECHOCARDIOGRAM THIN PREP CEA (BLOOD TEST FOR COLON CANCER) BLOOD TEST TO CONFIRM ELEVATED CARDIAC ENZYMES BIOPSY CA 125 (BLOOD TEST FOR OVARIAN CANCER) NEUROIMAGING STUDIES FLEXIBLE SIGMOIDOSCOPY PSA (BLOOD TEST FOR PROSTATE CANCER) THALLIUM SCAN HEMOCCULT STOOL SPECIMEN (LAB CONFIRMED) TESTICULAR ULTRASOUND CAT SCAN The Therapy and Wellness Rider Also Includes the Following Benefits: EDUCATIONAL SERVICES BENEFIT: Pays an indemnity benefit of $50 per session for a self-management education and counseling program provided to educate you and your primary caregiver, when needed, to care for your needs as the result of Covered Condition(s) for which you have received other benefits under this policy. This benefit is limited to 12 sessions per calendar year. HEARING, OCCUPATIONAL, PHYSICAL & SPEECH THERAPY BENEFIT: Pays an indemnity benefit of $25 for each day hearing, occupational, physical and/or speech therapy is needed as a result of a Covered Condition(s) for which you have received other benefits under this policy. MENTAL HEALTH BENEFIT: Pays an indemnity benefit of $50 per session for counseling for mental and nervous disorders or emotional disease or disorder needed as the result of a Covered Condition(s) for which you have received other benefits under this policy. This benefit is limited to 5 sessions per calendar year. HEALTHY LIFESTYLE BENEFIT: Pays an indemnity benefit of $25 per calendar year for making healthy lifestyle choices. This benefit is payable if you participate in a smoking cessation program or join a weight loss or physical fitness program. This benefit is payable once per calendar year per covered person that is over the age of 17. ALTERNATIVE CARE BENEFIT: Integrative Assessment and Education Benefit: A one time benefit of $75 is payable for assessment and/or education services performed by an Accredited Practitioner. Ameliorative Benefit*: We will pay an indemnity benefit of $25 per visit to an Accredited Practitioner, for up to 20 visits per calendar year for acupuncture, massage therapy, biofeedback and hypnosis. Lifestyle Benefit*: We will pay an indemnity benefit of $25 per visit for up to 20 visits per calendar year to an Accredited Practitioner for the following types of alternative care: smoking cessation, yoga, meditation, relaxation techniques, Tai-Chi and nutritional counseling. *Benefit payment subject to a Covered Person providing proof for Injury or Sickness.

22 Please see your insurance contract for specific details. The exclusions and limitations listed below are typical, but your state may have slight differences. THE FOLLOWING EXCLUSIONS APPLY TO THE CANCER POLICY AND THE HEART ATTACK AND STROKE POLICY. EXCLUSIONS: This policy does not cover any loss caused by the following: THIS PLAN WILL NOT PAY A BENEFIT FOR: 1. Any Cancer diagnosed before the Effective Date of your coverage under the Policy or when advice or treatment is received prior to the Effective Date and such advice or treatment results in the First Diagnosis of Cancer Any loss due to injury, disease or incapacity, unless related to or attributable to Cancer as defined. Heart Attack or Stroke if first Diagnosed before the Effective Date of your coverage under this Policy if choosing the Heart Attack and Stroke Policy. Coronary Angioplasty or Coronary Artery Bypass Surgery where medical advice to undergo such procedure or surgery was received before this Policy s Effective Date. Any loss due to injury, disease or incapacity, unless related to or attributable to Heart Attack or Stroke as defined. THE FOLLOWING EXCLUSIONS APPLY TO THE INTENSIVE CARE BENEFIT RIDER AND THE THERAPY AND WELLNESS BENEFIT RIDER.* This policy does not cover any loss caused by the following: *THESE RIDERS DO NOT PROVIDE BENEFITS FOR: Intentionally self-inflicted Injury, violating or attempting to violate any duly enacted law. Injury by acts of war, whether declared or not. Attempted suicide while sane or insane Injury sustained while committing or attempting to commit a felony. Injury sustained while voluntarily participating in a riot, or civil commotion or disturbance of any kind. Loss resulting from being legally intoxicated or under the influence of alcohol as defined by the laws of the state in which the Injury occurs. Loss resulting from being under the influence of any drugs or narcotic unless administered on the advice of a Doctor. PRE-EXISTING CONDITION: A pre-existing condition is a condition for which: (a) Medical advice or treatment was recommended by, or received from a Doctor, within the 24 month period before the Effective Date of the Covered Person s coverage; or (b) symptoms existed which would cause an ordinarily prudent person to seek diagnosis, care or treatment within the 24 month period before the Effective Date of the Covered Person s coverage. A pre-existing condition is not covered unless the loss begins more than 24 months after the Effective Date of the Covered Person s Coverage*. (*In CT, 12 month pre-exisitng limitation. For complete details of all provisions, please read your policy carefully.) Insurance Underwritten by Guarantee Trust Life Insurance Company: Policy Series G1130/G1131 with rider series, RG10CTW, RG10IC, RG10ROPD G T L GUARANTEE TRUST LIFE INSURANCE COMPANY 1275 Milwaukee Ave. Glenview, IL (800) With more than seventy-five years of experience in the insurance industry, Guarantee Trust Life Insurance Company has a proud heritage of providing excellent service and superior insurance products. Guarantee Trust Life Insurance is a mutual legal reserve company located in Glenview, IL, licensed to conduct business in 49 states and the District of Columbia.

23 About Us With over 75 years of experience in the insurance industry, Guarantee Trust Life Insurance Company has a proud heritage of providing excellent service and superior insurance products. Guarantee Trust Life is a mutual legal reserve company located in Glenview, Illinois and licensed to conduct business in 49 states, and the District of Columbia. Guarantee Trust Life Insurance Company 1275 Milwaukee Ave. Glenview, IL (800) EXCLUSIONS: PLEASE SEE YOUR INSURANCE CONTRACT FOR SPECIFIC DETAILS. THE EXCLUSIONS AND LIMITATIONS LISTED BELOW ARE TYPICAL, BUT YOUR STATE MAY HAVE SLIGHT DIFFERENCES. THE FOLLOWING EXCLUSIONS APPLY TO THE CANCER POLICY AND THE HEART ATTACK AND STROKE POLICY. EXCLUSIONS: This policy does not cover any loss caused by the following: THIS PLAN WILL NOT PAY A BENEFIT FOR: 1. Any Cancer diagnosed before the Effective Date of your coverage under the Policy or when advice or treatment is received prior to the Effective Date and such advice or treatment results in the First Diagnosis of Cancer. 2. Any loss due to injury, disease or incapacity, unless related to or attributable to Cancer as defined. 3. Heart Attack or Stroke if first Diagnosed before the Effective Date of your coverage under this Policy if choosing the Heart Attack and Stroke Policy. 4. Coronary Angioplasty or Coronary Artery Bypass Surgery where medical advice to undergo such procedure or surgery was received before this Rider s Effective Date. 5. Any loss due to injury, disease or incapacity, unless related to or attributable to Heart Attack or Stroke as defined. THE FOLLOWING EXCLUSIONS APPLY TO THE INTENSIVE CARE BENEFIT RIDER AND THE THERAPY AND WELLNESS BENEFIT RIDER. THESE RIDERS DO NOT PROVIDE BENEFITS FOR: 1. Intentionally self-inflicted Injury, violating or attempting to violate any duly enacted law. 2. Injury by acts of war, whether declared or not. 3. Attempted suicide while sane or insane. 4. Injury sustained while committing or attempting to commit a felony. 5. Injury sustained while voluntarily participating in a riot, or civil commotion or disturbance of any kind. 6. Loss resulting from being legally intoxicated or under the influence of alcohol as defined by the laws of the state in which the Injury occurs. 7. Loss resulting from being under the influence of any drugs or narcotic unless administered on the advice of a Doctor. PRE-EXISTING CONDITION: A pre-existing condition is a condition for which: (a) Medical advice or treatment was recommended by, or received from a Doctor, within the 24 month period before the Effective Date of the Covered Person s coverage; or (b) symptoms existed which would cause an ordinarily prudent person to seek diagnosis, care or treatment within the 24 month period before the Effective Date of the Covered Person s coverage. A pre-existing condition is not covered unless the loss begins more than 24 months after the Effective Date of the Covered Person s Coverage*. (*NM, 6 month pre-existing condition limitation; IN, MT, SD 12 month pre-existing limitation; For complete details of all provisions, please read your policy carefully.) cover panel Benefits paid directly to you Individual, Single Parent, Couple and Family Coverage Available Issue Ages 0-85 Please Contact: Underwritten By: Guarantee Trust Life Insurance Company ADH13-12 (Rev. 8/14) WITH RECURRENCE BENEFITS G T L 15B952

24 If you were diagnosed with cancer or suffered a heart attack or a stroke, the last thing you would want to worry about is your finances. Cancer, Heart Attack and Stroke coverage from Guarantee Trust Life Insurance Company can help you receive the financial peace of mind that allows you to focus on what really matters your recovery. 61% of the costs associated with cancer are non-medical indirect costs? 1 39% Did You Know? 61% 1 in 2 men and women will be diagnosed with cancer during their lifetime. 2 Diagnosed With Cancer Each year over a million people in the U.S. have a heart attack. 3 (( (( Indirect Cost Direct Cost Product Features & Details Under this plan, a lump sum amount will be paid directly to you,* regardless of any other health coverage you may have, upon the First Diagnosis of Cancer****, or if you suffer a heart attack or stroke. Benefit amounts are flexible and range from $10,000 to $75,000, in increments of $5,000 depending on your specific needs. You Can Use The Money From The Lump Sum Payment For: Loss of Income Pay for Experimental Treatments and Surgeries Cover Medical Co-Payments and Deductibles Provide Cash for Car and Mortgage Payments Taking a Recuperative Trip or Vacation Lump Sum Cancer Policy You will receive a lump sum benefit amount paid directly to you upon the diagnosis of cancer**. Lump Sum Heart Attack and Stroke Policy You will receive a lump sum benefit amount paid directly to you upon suffering a heart attack or a stroke.** The Lump Sum Heart Attack and Stroke policy also includes a Coronary Angioplasty or Coronary Artery Bypass Surgery Benefit*** which will pay you ten percent of the selected lump sum benefit amount should you have a Coronary Angioplasty or Coronary Artery Bypass Surgery. Product Features and Riders not available in all States. Policy Series G1130/G1131 with rider series, RG10CTW, RG10IC, RG10ROPD. *In most states there is a 30 day waiting period, beginning on the issue date of the policy. **Recurrence Benefit Included ***Please Note: The Recurrence Benefit does not apply to the Coronary Angioplasty or Coronary Artery Bypass Surgery. ****See Policy definition GTL s Recurrence Benefits After you receive a lump sum payment your benefits are eligible to restore with the Recurrence Benefit. The Recurrence Benefit is a percentage*** of the Lump Sum Benefit paid when cancer, heart attack or stroke reoccurs after you have been in a period of remission for at least one (1) full year from a previously diagnosed cancer or suffered a heart attack or stroke. (See chart for details below) ***PERCENTAGE OF LUMP SUM BENEFITS PAYABLE YEARS OF RECURRENCE OPTIONAL RIDERS Intensive Care Rider Return of Premium Therapy & Wellness Rider Product Features and Riders not available in all States. SOURCES [1] [2] Howlader N, Noone AM, Krapcho M, Neyman N, Aminou R, Waldron W, Altekruse SF, Kosary CL, Ruhl J, Tatalovich Z, Cho H, Mariotto A, Eisner MP, Lewis DR, Chen HS, Feuer EJ, Cronin KA, Edwards BK (eds). SEER Cancer Statistics Review, , National Cancer Institute. Bethesda, MD, csr/1975_2008/, based on November 2010 SEER data submission, posted to the SEER web site, html/all.html [3]Medline Plus. Heart Attack. U.S. National Library of Medicine and the National Institutes of Health. medlineplus/heartattack.html