US Insurance Network, LLC. A network of insurance websites designed to make it easy to find, and purchase quality insurance products on the web with no medical exam. Michael Kimble, Sr., our Senior Partner, has been providing total needs protection through Health Insurance, Life Insurance, Disability Income, and Group Insurance for over 32 years. Our specialty is Protecting the American dream, Family Home Ownership with Mortgage insurance. Because Home loans are usually for a specific (term) or duration,( 10 years, 15 years, 20 years, or 30 years), a level Term life insurance policy is often used for Mortgage insurance protection because it provides full protection longer than credit life and requires less premium. Some homeowners prefer to pay the higher premium of an interest sensitive whole life policy, or Universal life policy because of the potential cash value in an interest sensitive whole life, or universal life policy. A less expensive alternative may be to add a guaranteed return of premium cash value rider to your mortgage term policy. Regardless of your preference, obtaining some type of mortgage insurance protection is very important. Statistical information obtained from: *Mortgage Bankers Quarterly, revealed that up to 70% of all foreclosures in the United states, and up to 85% of all forced sales were the direct result of the death, or disability of an uninsured, or underinsured homeowner.

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Smart Whole Life Insurance Plans - Your entire life you have planned to ensure that your family has everything they need -- a home, food, clothing, education, and security.  But have you thought about planning for one of the most important decisions of your life.

As families develop and grow so does the added financial responsibilities.  Guarantee Trust Life Insurance Company's (GTL) whole life plans provide guaranteed protection and level rates for a lifetime. 

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Instant Online Quote

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Apply Online

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Product Plan Details - Whole Life Insurance
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Standard Plan Features

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Graded Plan Features  

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Preferred Plan Features   

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Living Benefits

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Underwriting Requirements

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Exclusions

 

Product Plan Details - Whole Life Insurance:

Whole life insurance (sometimes called straight life or permanent life) - provides protection for your entire life at guaranteed fixed premium (qualified eligible applicants).  GTL offers three plans based on demographics and health history. 

 

Standard Plan:   Ok, so you have had a minor health setback, overweight, or over the age of 65.  The Standard plan is a whole life policy that provides guaranteed protection for life at guaranteed standard rates.  These rates are guaranteed to stay level for life..

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Issue ages: 6 months - 85 years of age

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Death Benefits available:
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$10,000  - $50,000 for ages 6 months to 49

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$3,000 - $25,000 for ages 50 to 85

 

*Graded Plan:  not everyone has a clean bill of health, the graded plan was designed to accommodate situations where clients do not qualify for the preferred or standard plan.  Many times this is the last option available for individuals to qualify for whole life insurance.

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In the event of your death during the first two policy years, GTL will return the premium paid plus 10%.  GTL will pay full benefits thereafter. (MN applicants see note #1)

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Accidental Death Benefit:  Full benefits for accidental death from the first day the policy is issued.  (Not Applicable in: AR)

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Issue ages: 50 to 80 years (MN applicants see note #2. MO applicants see Note #3)

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Death Benefits available:
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$3,000 - $25,000 for ages 50 to 80

 

 

Preferred Plan:  Great health means great rates.  It is important that you insure your insurability.  This is the time for you to buy insurance because you never know what the future holds and you should lock in the great rates guaranteed for life.

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Issue ages: 6 months - 65 years of age

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Death Benefits available:
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$10,000  - $50,000 for ages 6 months to 49

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$3,000 - $25,000 for ages 50 to 65

 

Living Benefits:GTL's Whole Life plans also contain Living Benefits, which allow you to receive 75% of the death benefit in the event of a terminal illness or permanent nursing home confinement.  This Benefit is added to your coverage at no extra cost.  (Living benefits are not available on the graded plan.)  (Nursing Home Trigger not available in KS and OK)  (Living Benefit Rider not available in MD, MA, NJ, PA, SC, TX, VT & VA)

 

 

 

Underwriting Requirements:

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5 minute online quote & application - the online system will qualify you for what plan (preferred, standard, graded, none) you are eligible to receive based on your input into the online quote/application engine.

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No Medical Exam

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Ages 76 and over - telephone interview

 

Plan Exclusions:

The following exclusion applies: 

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Guarantee Trust Life Insurance Company will not pay life insurance benefits for suicide while sane or insane (in MO, only while sane) before coverage has been in force for two years.

Notes:

#1: MN, 1st and 2nd year death benefits are four times the first year premium.  Full benefits thereafter.

#2: MN, Issue Ages: Male 50-75 and Female 50-80

#3: MO, Issue Ages: 50-75

>> "No optional riders available"

*  Graded Plan is not available in all states.  Percentages may vary in certain states.

US Insurance Network, LLC. a network of insurance websites designed to make it easy to find, and purchase quality insurance products on the web with no medical exam.

       

                                                                                                     Insurance Agent Opportunity                              Home Based Business Opportunity

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Links to other Insurance Sites for Life insurance or Health insurance with No Medical Exam:

       Mortgage insurance center      Quote Term Life insurance          Mortgage life      insurance today   GTLLIFEINSURANCE.COM

  Instant-Approval-Term    Life over 65    Home Mortgage Insurance   Over65.org  insurance for seniors    health insurance now     usiqqlink.com      major medical  

  insurance medical    20minute term    USI.QQLINK    Temporary-Health insurance