FOCUS ON RECOVERY, NOT EXPENSES - Cancer, Heart Attack & Stroke Coverage
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Marketed by
Cancer, Heart Attack & Stroke Coverage
FOCUS ON RECOVERY, NOT EXPENSES
Insurance Coverage underwritten by
ADH13-14 REV. (R 6/14) Guarantee Trust Life Insurance CompanyLump Sum Benefit
30,000 * Benefits are paid
$ directly to you
to help with medical
insurance shortfalls and
CANCER for diagnosis of internal
cancer or cancer in-situ out-of-pocket expenses:
30,000
• Deductibles
$ * • Co-payments
• Special diets
• Transportation
HEART ATTACK OR STROKE • Lodging
• Loss of income
Reoccurrence Benefit • Mortgage/rent
After you recover, your Lump Sum Benefits start to restore! • Family care
Limited to one payment per insured for each listed condition. • Utilities
• Groceries
3,000
So you can focus on
$ * recovery instead of
expenses.
ANGIOPLASTY *Benefit amounts listed are based on the Plan F
benefit plan. Other benefit plans are available.
if angioplasty or coronary bypass is performed Premiums will vary by plan.
without diagnosis of a heart attack **The Reoccurrence Benefit is a percentage of
the Lump Sum Benefit paid when cancer reoccurs
after you have been in remission for at least one
full year and for which benefits have been paid.
For the Lump Sum Heart Attack or Stroke Benefit,
reoccurrence must be at least one full year from
payment of the Lump Sum Benefit.
$
30,000
Percentage of Lump Sum
100%
Benefit restored over 5 years
$
15,000
50%
$
7,500
$
3,000 25%
10%
1 Year 2-3 Years 4 Years 5 Years
YEARS BETWEEN OCCURENCESBenefits
All benefits on this page are paid as a direct result of cancer, heart attack and/or stroke.
Hospital Confinement // $1,500/day* Transfusions // (Cancer) $450/day*
NO LIFETIME MAXIMUM (Heart Attack/Stroke) // $900/day*
Pays this amount per day of your covered confinement** NO LIFETIME MAXIMUM
Pays per day for blood, plasma and platelet transfusions
Drugs and Medicine // $600/day* you receive for covered treatments.
NO LIFETIME MAXIMUM
Pays per day for FDA-approved medication received Surgical Procedures // Up to $45,000/surgery*
during a covered hospital confinement. NO LIFETIME MAXIMUM
Pays per surgery, based upon the surgical schedule
Attending Doctor // $300/day* required. Benefits vary by surgical procedure.
NO LIFETIME MAXIMUM
Pays per day during a covered hospital confinement for a Anesthesia // Up to $13,500/surgery*
doctor’s services received (other than your surgeon). NO LIFETIME MAXIMUM
Pays per surgery, 30% of benefits paid for the surgery
performed.
The Benefit amounts listed below do not vary by plan.
2nd and 3rd Surgical Opinions // $300/opinion Ambulance
NO LIFETIME MAXIMUM NO LIFETIME MAXIMUM
Pays for the opinion of other physicians Pays per trip to or from a hospital where you are
before you decide to have surgery. confined as an inpatient.
Private Nurse // $250/day Ground // $250/trip
NO LIFETIME MAXIMUM LIMITED TO 4 TIMES PER CALENDAR YEAR
Pays per day during a covered hospital
confinement for the full-time services of a licensed Air // $1,500/trip
private nurse who performs duties other than LIMITED TO 1 TRIP PER CALENDAR YEAR
those regularly furnished by the hospital.
Transportation
Skilled Nursing Facility // $250/day NO LIFETIME MAXIMUM
NO LIFETIME MAXIMUM PAYS ACTUAL CHARGES UP TO THE BENEFIT
Pays per day when you are confined to a skilled AMOUNT
nursing facility within 14 days after a covered Pays for the insured and an adult companion to
inpatient hospital stay. This benefit is payable for travel to a facility located more than 50 miles from
up to the same number of days you received the your home for treatment:
Hospital Confinement Benefit.
Air, Rail or Bus // $2,000/trip
Lodging // $100/day LIMITED TO 2 ROUND TRIPS PER PERSON,
PER CALENDAR YEAR.
NO LIFETIME MAXIMUM
UP TO 120 DAYS PER CALENDAR YEAR Private Vehicle // $2,000/trip
Pays lodging per day for the insured or an adult $0.60/MILE UP TO THE BENEFIT AMOUNT
companion when insured is receiving treatment PAYS FOR UNLIMITED TRIPS.
from a medical facility located more than 50 miles
from the insured’s home.
*Benefit amounts listed are based on the Plan F benefit plan. Other benefit plans are available. Premiums will vary by plan.
**Period of Confinement means a period which begins on or after the Effective Date, and during which an insured person is confined as an inpatient to a Hospital
or Skilled Nursing Facility. If an insured person is reconfined within thirty (30) days of discharge from a Hospital or Skilled Nursing Facility, then the later period will
be considered a continuation of the prior Period of Confinement. If the Insured person is reconfined more than thirty (30) days after discharge from a Hospital or
Skilled Nursing Facility, we will treat the later confinement as a new Period of Confinement.Benefits Additional Benefits
Paid as a direct result of cancer, Immunotherapy // $750/month*
$2,500/lifetime
heart attack and/or stroke.
Immunotherapy is a type of cancer treatment
that targets specific molecules of the body’s own
Skin Cancer 2
// $1,800/surgery*
immune system in order to disrupt the growth of
NO LIFETIME MAXIMUM
Pays per surgical removal of skin cancer. cancer cells. Examples include antibodies, growth
factors and vaccines. This benefit pays per month
Injected Chemo/Radiation // $600/day* for immunotherapy prescribed by a doctor as part
NO LIFETIME MAXIMUM of a treatment regimen for cancer.
Pays per day for covered injected chemotherapy
and radiation treatments.
Experimental Treatment // $30,000*
per lifetime
Oral Chemo (per medication) // $600/month* Pays for FDA-approved experimental drugs and
LIMITED TO 36 MONTHS chemicals, surgery or therapy endorsed by either
MAXIMUM OF 3 MEDICATIONS PER MONTH the NCI or ACS for experimental studies in the
treatment of cancer.
Anti-Nausea Drugs // $300/month*
NO LIFETIME MAXIMUM Hospice Benefit
Pays per month for prescribed anti-nausea LIMITED TO 6 MONTHS
drugs while an insured person is receiving First 90 Days // $750/day*
chemotherapy, radiation, or experimental After 90 Days // $1,500/day*
treatment on an outpatient basis. Pays per day that a terminally ill individual receives
hospice care as a direct result of cancer, heart
Supportive Drugs // $150/month* attack or stroke.
NO LIFETIME MAXIMUM
Pays per month for supportive or protective care
drugs prescribed in connection or conjunction
with injected chemotherapy.
Catastrophic Hospital
Prosthetic Devices
Confinement Benefit
NO LIFETIME MAXIMUM
Pays for prosthetic devices needed as a direct
result of cancer
(Surgical) // $15,000/device*
$90,000/Month*
Pays beginning on the 91st day of being continuously
(Non-surgical) // $3,750/device* confined to a hospital or a U.S. Government hospital.
Pays in addition to all other benefits except the Hospital
Diagnostic Testing // $3,000/test* Confinement Benefit.
LIMITED TO TWICE PER CALENDAR YEAR
NO LIFETIME MAXIMUM
Pays per test for diagnostic/lab tests which
diagnose cancer, heart attack or stroke.
Annual Check-Up // $1,500/year*
LIMITED TO FIRST 5 YEARS AFTER DIAGNOSIS
NO LIFETIME MAXIMUM
Pays for annual check-ups for each insured person
once per year for 5 years after a positive diagnosis
of internal cancer, heart attack or stroke.
*Benefit amounts listed are based on the Plan F benefit plan. Other
benefit plans are available. Premiums will vary by plan.
2
Benefits for skin cancer other than a malignant melanoma are
limited to surgical removal benefits.Intensive Care Unit Benefit NO LIFETIME MAXIMUM LIMITED TO 30 DAYS PER HOSPITAL ADMISSION INTENSIVE CARE BENEFITS REDUCE BY 50% AT AGE 70 Confined for Illness or Injury // $900/day* Pays for confinement in an intensive care unit due to sickness or injury. Confined for Motor Vehicle Accident // $1,800/day* Pays for confinement in an intensive care unit that occurs within 48 hours of a motor vehicle accident. Step Down Unit // $450/day* Pays for confinement in a step down unit. Transplant Benefit The benefits listed below increase by 5% every year, for 10 years. Bone Marrow // $75,000 Grows to approximately $125,000 in 10 Years* Paid as a lump sum if you receive a bone marrow transplant. Human Organ // $75,000 Grows to approximately $125,000 in 10 Years* Heart*** • Kidney • Liver • Lung, etc. Paid as a lump sum if you are the recipient of a human organ transplant. This benefit is payable only once per insured. Stem Cell // $30,000 Grows to approximately $50,000 in 10 Years* Paid as a lump sum if you receive a stem cell transplant. Donor Benefit // $37,500 Grows to approximately $62,500 in 10 Years* To help pay toward donor expenses that are incurred on behalf of the insured person when a transplant covered under this Rider is performed. The Donor Benefit will be equal to fifty percent (50%) of the corresponding transplant benefit amount paid. *Benefit amounts listed are based on the Plan F benefit plan. Other benefit plans are available. Premiums will vary by plan. *** A human heart transplant benefit is only available if the Heart Attack and Stroke Benefit Policy/Rider is applied for and insured is eligible.
1 in 2 of us will be diagnosed
with cancer during our lifetime.2
Approximately 60%
of the total cost of cancer
is non-medical; therefore, not paid for by
major medical insurance.3
35% of the overall costs of strokes are
indirect costs, and consequently, not paid for by
major medical insurance.4
How will you pay for these extra expenses?
• Spend your savings • Sell your assets
• Borrow from your retirement
A better solution...
Platinum Supplemental Insurance
2
Source: http://seer.cancer.gov/statfacts/html/all.html
3
Source: American Cancer Society, Cancer Facts & Figures 2010 pg 3
4
Source: American Heart Association Circulation, Heart Attack and Stroke Statistics 2010 Update, pg e206Screening
$600 per person/year* NO LIFETIME MAXIMUM
90 DAY WAITING PERIOD, EXCLUDING MISSOURI
30 DAY WAITING PERIOD IN ARKANSAS, TENNESSEE & WYOMING
Pays for a doctor visit in which a prescribed diagnostic test is performed to detect cancer, heart
attack or stroke. Limited to once per calendar year per insured person. No diagnosis of cancer,
heart attack or stroke is required to be eligible for this benefit.
Policy Advantages
Guaranteed Renewable - Your policy will
continue as long as you pay your premiums. No Lifetime Maximum - The benefits listed
Premiums do not increase with age - have no lifetime maximum unless otherwise
Premiums can only be increased on a class stated in your policy.
basis by state. Waiver of Premium - Premiums waived if the
Assured Payments - We will pay what is main insured is disabled for 90 consecutive
indicated in your policy, regardless of what days due to cancer, heart attack or stroke.
other insurance you may have.
Return of Premium
Return of Premium Rider - RG10ROP20 Return of Premium Rider - RG10ROPD
AVAILABLE TO APPLICANTS AGE 49 AND UNDER. AVAILABLE TO APPLICANTS AGE 18 TO 79.
We will return all premiums paid** (less any claims paid) We will return all premiums paid** (less any claims paid)
every 20 years. if you pass away prior to age 85. If issue age is 76-79, we
will return all premiums paid (less any claims paid) if you
pass away within 10 years.
Base Amount Claim Size Result
Example 1 Premium Paid In $250,000 Claims No Refund
Example 2 Premium Paid In $2,000 Claims 100% minus $2,000
Example 3 Premium Paid In $0 Claims 100% Refund
Policy Options
Your Age _____________
$ ________________________ /Day $ ________________________ /Day $ ________________________ /Day
$_______________________________ $_______________________________ $_______________________________
*Benefit amounts listed are based on the Plan F benefit plan. Other benefit plans are available. Premiums will vary by plan.
**Return of Premium does not include annual policy feesToll Free 1-800-765-1454
Our Customer Service Specialists are friendly, knowledgeable and licensed!
If you have a question, please call us.
LIMITATIONS AND EXCLUSIONS
PLEASE SEE YOUR INSURANCE CONTRACT FOR SPECIFIC DETAILS. THE EXCLUSIONS AND LIMITATIONS
LISTED BELOW ARE TYPICAL, BUT YOUR STATE MAY HAVE SLIGHT DIFFERENCES.
Waiting Period: The policy/rider(s) has a 30 day waiting period before benefits will be paid, except the Screening Benefit has a 90 day waiting
period. The waiting period begins on the policy/rider(s) effective date. Cancer, Heart Attack or Stroke will not be a covered condition when advice
or treatment is received prior to the policy’s effective date or within the waiting period, or tissue is extracted prior to the policy’s effective date or
within the waiting period, and such advice, treatment, or tissue extraction results in the First Diagnosis of Cancer, Heart Attack or Stroke. In Arkan-
sas, Tennessee and Wyoming, the Screening Benefit Rider has a 30-day waiting period. A waiting period does not apply in Missouri.
Cancer, Heart Attack or Stroke Coverage: This policy/rider does not pay benefits for any loss due to: injury, disease, sickness, or incapacity not
directly related or attributable to Cancer, Heart Attack or Stroke; care received outside the U.S.; experimental drugs or substances not approved
by the U.S. Food & Drug Administration for the treatment of Cancer, Heart Attack or Stroke; experimental procedures or treatment methods not
endorsed by the American Medical Association or any other appropriate Medical Society except as provided for in the Experimental Treatment
Benefit of the policy; courses of treatment available without a doctor’s prescription; or services received from a member of your immediate family.
The Screening benefit excludes the following tests that are performed in a routine or annual physical examination: (1) an oral cancer examination
performed by a dentist, orthodontist, or similar oral care professional; (2) testicular or prostate physical examination; (3) blood pressure; and (4)
lipid panel. Cancer does not include pre-malignant tumors or polyps; intraductal noninvasive carcinoma of the breasts; or carcinoid of the ap-
pendix. Benefits for non-malignant skin cancer are covered under the Cancer Surgical Procedure Benefit. 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 does not
mean a head injury, transient ischemic attack or chronic cerebrovascular insufficiency.
Lump Sum Benefits: This rider does not pay benefits for non-malignant skin cancer (benefits for non-malignant skin cancer are covered under the
Cancer Surgical Procedures benefit). It also does not pay benefits for coronary angioplasty or coronary bypass when performed as a direct result
of a heart attack (benefits for coronary angioplasty/coronary bypass would then be paid under the Surgical Procedures Benefit, and heart attack
benefits would be payable under the Lump Sum Benefit.) Benefits for coronary angioplasty or coronary bypass performed without evidence of a
heart attack would be payable under this Lump Sum Benefit.
Intensive Care Benefit: The Intensive Care rider will pay benefits for any sickness or injury, except: 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 (This exclusion
does not apply in IL); 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; or loss resulting from being under the influence of any drugs or narcotic unless administered on the
advice of a Doctor.
Duplication of Benefits: Where there is an overlap in coverage between: (i) the hospital confinement benefit and the intensive care benefit; or (ii)
the diagnostic testing benefit and surgical procedures benefit, the higher of the two applicable benefit amounts will be paid.
This brochure is designed as a marketing aid and is not to be construed as a contract for Cancer & Heart Attack & Stroke Insurance.
It provides a brief description of the important features of policy form(s) G1030 (and G1031 - in the event the insured is not eligible for the
G1030 policy) and rider forms RG11PCLS, RG10CR, RG10CSB, RG10HAS, RG11PHSLS, RG10HSSB, RG10T, RG10IC, RG10ROP20, and RG10ROPD
(where available as group insurance: Certificate series GC G1030 and GC G1031 and benefit riders series G RG10CR, G RG10CSB, G RG11PCLS, G
RG10HAS, G RG10HSSB, G RG11PHSLS, G RG10T, G RG101C, G RG10ROP20, and G RG10ROPD)
Marketed by
Platinum Building, 137 Main Street, Dubuque IA 52001 • www.pltnm.com
563.557.2504 • Fax: 563.557.9180 • For customer assistance, call 1.800.765.1454
• Rated A+ with the Better Business Bureau • Knowledgeable licensed customer service available to help you
• No automated phones — real people providing real service
Guarantee Trust Life Insurance Co.
1275 Milwaukee Avenue — Glenview, IL 60025
Located in Glenview, Illinois • Founded in 1936 • Mutual Legal Reserve CompanyYou can also read
