While many positive steps have been made in cancer research, cancer treatments can be very expensive. Do your clients have the funds to pay for the hospital expenses, treatments and prescriptions should your clients be diagnosed with cancer? Watch this presentation to learn about a new flexible product that pays cash and has a reoccurance benefit after only one year!

1. Welcome!
Guarantee Trust Life Insurance Company FOR AGENT USE ONLY Product, features and riders not available in all states.

2. Did You Know?
• Shockingly 1 in 2 men & women will be diagnosed with cancer during their
lifetime.1
• Medical Bankruptcies are increasing
– 1 in 4 cancer patients or their families said they used up all or most of
their savings to pay for treatment. (Kaiser Family Foundation and
Harvard School of Public Health studies.)
– Of the 2.2 million Americans who experienced medical bankruptcy in
2001, nearly 76% had insurance at the beginning of the illness.2
• Insured’s out-of-pocket exposure is increasing
• Survival rates are increasing due to medical breakthroughs
(1) http://seer.cancer.gov/statfacts/html/all.html
(2) Himmelstein, D, E. Warren, D. Thorne and S. Woolhandler, “Illness and Injury as Contributors to Bankruptcy,“ Health Affairs Web Exclusive W5-63, 02
February, 2005.
Guarantee Trust Life Insurance Company FOR AGENT USE ONLY Product, features and riders not available in all states.

3. Who will pay and How?
• Health insurance? (Becoming more expensive and less comprehensive)
– Co-pays and maximum out-of-pockets are on the rise
– Coverage for FDA approved procedures only
– Alternative treatment methods not covered
• These cost have to be paid by the insured
• INDIRECT treatment costs?
– Travel
– Lodging
– Food
– Child care and more…
Guarantee Trust Life Insurance Company FOR AGENT USE ONLY Product, features and riders not available in all states.

4. Family Budget Affected, too
• Everyday living expenses do not go away
– Mortgage, rent, car payments, utility bills, etc…
• Loss of both incomes could become detrimental if spouse stops working to
care for the loved one
Where’s the money going to come from?
Savings account
401k or IRA
Children’s college fund
Go into debt
Provide your clients a budget saving solution…
Guarantee Trust Life Insurance Company FOR AGENT USE ONLY Product, features and riders not available in all states.

5. Introducing GTL’s New
CHS Protection Plus Plan:
Lump Sum Cancer,
Heart Attack & Stroke Coverage
with Reoccurrence Benefits
Now available for sale in:
AL, AK, AR, DE, DC, HI, IL, LA, MI, MO,
MT, NE, NM, OH, OK, SD, TN & WI.
More states to come!
Guarantee Trust Life Insurance Company FOR AGENT USE ONLY Product, features and riders not available in all states.

6. CHS Protection Plus
Cancer Coverage Basics
• Benefit Amount:
 $10,000 - $75,000 (increments of $5,000)
• Issue Ages:
 0 - 85 (age last birthday)
• Rate Class:
 Individual, Single Parent, Couple and Family
• Reoccurrence Benefit: GREAT feature!
 Restores incrementally up to 100% over a 5-year period!
• Stand alone Cancer plan: another GREAT feature!
 Includes coverage for Cancer-In-Situ
Guarantee Trust Life Insurance Company FOR AGENT USE ONLY Product, features and riders not available in all states.

7. New Reoccurrence Benefit
The Reoccurrence 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.
Guarantee Trust Life Insurance Company FOR AGENT USE ONLY Product, features and riders not available in all states.

8. There’s more to Discuss with Clients
• Heart Disease #1 cause of death (men and women)
– 1st time Heart Attacks = 785,000 3
• 470,000 will have a reoccurrence 3
– 616,000 deaths resulted of which more than 50% were men 3
• Stroke is the #3 cause of death
– More than 700,000 individuals annually have a stroke 4
• 500,000 of which are first time attacks 4
• 25% of stoke victims will have a reoccurrence within 5 years
4
– Leading cause of disability among adults in the US 5
(3) http://www.cdc.gov/heartdisease/facts.htm
(5) http://www.theuniversityhospital.com/stroke/stats.htm
(6) http://www.cdc.gov/stroke/facts.htm
Guarantee Trust Life Insurance Company FOR AGENT USE ONLY Product, features and riders not available in all states.

9. CHS Protection Plus
Heart Attack & Stroke Basics
• Benefit Amount:
 $10,000 - $75,000 (increments of $5,000)
• Issue Ages:
 0 - 85 (age last birthday)
• Rate Class:
 Individual, Single Parent, Couple and Family
• Reoccurrence Benefit: GREAT feature!
 Restores incrementally up to 100% over a 5-year period!
• Coronary Angioplasty or Bypass Benefit: (10% of benefit, one time pay out)
 In addition to lump sum amount. Not paid if Heart Attack immediately preceded
the procedure.
• Stand alone plan: GREAT flexibility!
Guarantee Trust Life Insurance Company FOR AGENT USE ONLY Product, features and riders not available in all states.

10. New Reoccurrence Benefit
For the Lump Sum Heart Attack
and Stroke Plan or Rider,
reoccurrence must be at least
one (1) full year from the date
the Lump Sum Benefit was paid.
Guarantee Trust Life Insurance Company FOR AGENT USE ONLY Product, features and riders not available in all states.

11. CHS Protection Plus
Optional Riders
• Lump Sum Heart Attack and Stroke:
 With reoccurrence benefit
• Intensive Care Rider:
 Indemnity confinement benefit $150 per unit per day
 50% benefit for confinement in a step-down unit
• Return Of Premium:
 Returns all Premiums (less policy fees and any claims
paid) if insured passes away prior to age 85.
Guarantee Trust Life Insurance Company FOR AGENT USE ONLY Product, features and riders not available in all states.

12. Optional Riders cont’d
• Therapy & Wellness Rider:
 Indemnity benefit of $50 per calendar year for eligible wellness
screenings.
• Therapy &Wellness Rider additional benefits:
 Educational services $50 per session
 Healthy lifestyle $25 per calendar year
 Hearing, occupational, physical & speech therapy $25 for each day
 Alternative Care $75 one time for assessment and/or education
 Mental health $50 per session
 Lifestyle $25 per visit
Please Note: Above benefits have calendar year limitations.
Consult brochure for rider details.
Guarantee Trust Life Insurance Company FOR AGENT USE ONLY Product, features and riders not available in all states.

13. Underwriting
• Simplified issue
– Short Yes/No application
– 5 Year “look back”
– Unisex rates (no tobacco rating)
– Quick Issue (No MIB or PHI)
Guarantee Trust Life Insurance Company FOR AGENT USE ONLY Product, features and riders not available in all states.

14. The CHS Protection Plus Difference
Additional Coverage & Flexibility
Increased:
 Application coverage amount from $50,000 to $75,000
 Issue age from 79 to 85
Added:
 Stand alone heart attack & stroke policy
 Reoccurrence benefit
 Cancer-In-Situ coverage
 Coronary angioplasty & artery bypass benefit
 Additional riders
 Single parent and couple rate
Guarantee Trust Life Insurance Company FOR AGENT USE ONLY Product, features and riders not available in all states.

15. Supplemental
Compare Products: Protection Plus Advantage?
Solutions
Issue Ages: To Age 79 To Age 85 P-PLUS
Benefit Amounts: Up to $50k Up to $75k P-PLUS
Cancer Only Stand Alone Cancer
Coverage Options: P-PLUS
Stand Alone
Heart/Stroke
Heart Attack/Stroke
Heart Attack/Stroke
Rider (25% of Cancer
Rider (full benefits)
Amount)
Available 20 Year ROP Intensive Care Rider P-PLUS
Riders
Wellness Rider
Return of Premium @
Death prior to age 85
Bypass or
Angioplasty No Yes (10%) P-PLUS
Benefits?
Reoccurrence
No Yes P-PLUS
Benefits?
Single, Single Parent,
Rating Structure Single & Family P-PLUS
Guarantee Trust Life Insurance Company Couple and Family Product, features and riders not available in all states.
FOR AGENT USE ONLY

16. CHS Protection Plus
There is no comparison
$10,000 Lump Sum--Cancer Only
GTL
New GTL Company A Company B Company C Company D Company E Company F
Age EXISTING
50 $17.46 $15.44 $17.82 $18.00 $15.76 $15.12 $15.55 $16.74
60 $23.85 $24.93 $24.62 $28.80 $24.60 $27.00 $20.74 $26.46
70 $32.40 $34.83 $31.64 $36.00 $30.77 N/A N/A $34.02
75 $35.01 $36.36 $33.59 $36.90 $32.55 N/A N/A $36.18
80 $37.26 $0.00 $0.00 $0.00 $0.00 N/A N/A N/A
Guarantee Trust Life Insurance Company FOR AGENT USE ONLY Product, features and riders not available in all states.

17. Remember the statistics…
Everyone is a Potential Client
• Cross-sell to your existing book of business
Most people have dealt with some aspect of the BIG 3
• Voluntary benefit program
(Note: 4 life minimum for list bill option)
• New Clients
Make it part of your health care plan
presentation
Guarantee Trust Life Insurance Company FOR AGENT USE ONLY Product, features and riders not available in all states.

18. CHS Protection Plus
A Compelling Product
 Competitive Premiums
 Higher issue ages
 Higher Benefit Amounts
 Flexible plan
 Multiple application submission options
 Longer renewal stream
Guarantee Trust Life Insurance Company FOR AGENT USE ONLY Product, features and riders not available in all states.

19. GarityAdvantage
www.garityadvantage.com
Sales Support: (800) 234-9488
Available: M-F 9:00 am to 5:00pm EST
Connect with us on
LinkedIn, Facebook & Twitter
Guarantee Trust Life Insurance Company FOR AGENT USE ONLY Product, features and riders not available in all states.