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GTL Simplified Term Life Insurance Comparison



About GTL Insurance


We're certainly not the biggest company out there. But we're definitely one of the best. You might even say we wrote the book. Right now, we have more than 1.2 million insured’s and over $2 billion life insurance in force. Five distinct product categories that provide everything from life insurance to long-term health care and special risk coverage’s, such as K-12, college, and athletic insurance programs. And more than $180 million in rock-solid assets to back it up. If you were to use words like "unique", "versatile", and "flexible" (and yes, "mid-sized") to describe us, you'd be right on the money.

Since we were founded in 1936, we've benefited from the ongoing direction of the Holson family -- father to son to grandson. Not surprisingly, this consistent top-level leadership and management continuity give us a clear view of who we are and where we're going.

 

GTL Financial Information

Researching your options in a stable insurance industry
The insurance industry as a whole is strong, profitable, and committed to protecting policyowners. Generally, the industry is stable and has invested policyowners' funds conservatively.

In order to ensure that an insurance company is financially sound, you must examine several areas. This means that you should know how to assess an insurer's financial status.

 

How to measure an insurance company's strength

Assets & Liabilities: A fundamental way to assess a company's financial strength is to examine its assets and liabilities. As of December 31, 2005, Guarantee Trust Life Insurance Company had:


  • $216 million in invested assets.
  • $204 million in total liabilities.
  • $122 million in total reserve for life policies and contracts, and accident & health policies.
  • $36 million in net surplus.

Solid Strategy: At Guarantee Trust Life Insurance Company, we have always followed a conservative investment philosophy, as shown in our December 31, 2005 annual statement:


  • 95% of the bonds we hold were designated "Highest Quality" (Class 1) or "High Quality" (Class 2) by the National Association of Insurance Commissioners (NAIC).
  • 9% of invested assets were held in cash or short-term investments.
  • Our $14.8 million portfolio in common and preferred stock made up only 7% of our investments.
  • Our investment values are backed by a special $2.5 million fund called the Asset Reserve Value (ARV) to protect against changes in market values.
  • There have been no significant changes in our investment practices since the end of the year 2005.

Our Rating

Our financial strength and operating performance is rated B+ (Good) - 5th highest of 15 ratings - by A.M. Best and Company, an independent rating agency. This independent rating is based on a variety of factors, including operating performance, asset quality, financial flexibility and capitalization.

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30-Day Money-Back Guarantee.

Most policies issued come with a 30 day Money Back Guarantee, allowing you to receive a full refund if you are not completely satisfied.