
Guarantee Trust Life Insurance Company (GTL) is a long-standing, family-owned insurer with a strong reputation for stability and personalized service. Founded in 1936 and headquartered in Glenview, Illinois, GTL specializes in life, accident, health, and supplemental insurance products tailored to meet the needs of individuals, families, and seniors.
Known for its customer-first approach and efficient policy issuance, Guarantee Trust Life appeals to those seeking straightforward, dependable insurance solutions with the backing of a company that has served policyholders for nearly 90 years.
Finding the right policy from a top-rated provider like Guarantee Trust Life is simple with help from Fuego Financial.
Get your personalized quote today and protect what matters most.
Guarantee Trust Life Insurance Company (GTL) is a well-established insurer with a legacy dating back to 1936. Known for its commitment to personalized service and niche insurance products—such as supplemental health, accident, and life insurance—GTL has built a reputation for reliability and financial stability.
GTL holds a B++ (Good) rating from AM Best, a global credit rating agency that evaluates the financial strength and operating performance of insurance companies. This rating reflects GTL’s solid ability to meet its ongoing insurance obligations and its sound balance sheet. While not the highest available rating, a B++ is a strong indicator of the company’s long-term financial health and prudent risk management.
For individuals seeking dependable coverage from a carrier with decades of experience and a focus on customer-first values, GTL remains a trusted choice in the insurance landscape.
Scores updated August 2025
- What products for GTL?
Guarantee Trust Life (GTL) is best suited for individuals seeking simplified, affordable insurance solutions—particularly seniors, individuals with health concerns, or those who want coverage without undergoing a medical exam. GTL is known for offering niche insurance products such as short-term care, accident, hospital indemnity, and whole life insurance that are accessible and easy to understand.
GTL is an excellent fit for clients looking for flexible coverage with guaranteed acceptance options, minimal underwriting, and fast approvals. It’s ideal for people who value personal service, want to supplement existing health or life coverage, or need solutions that cater to specific health or income protection needs. With nearly a century of experience and solid financial stability, GTL serves families and individuals who prioritize peace of mind and tailored insurance options.
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Like many life insurance providers, Transamerica may require a brief medical exam as part of the application process. While it might sound overwhelming, the exam is typically quick and straightforward—often taking less than an hour—and can be completed at your convenience, whether at home, at work, or at a local exam center.

At Fuego Financial, we partner with some of the most reputable life insurance providers in the country—like GTL—to give you access to top-tier coverage options.
In just minutes, we’ll compare policies and pricing to help match you with the right plan, the right insurer, and the right rate for your needs.
We’ve partnered with top-rated life insurance providers known for offering competitive rates across a wide range of health profiles—from individuals in great health to those with specific medical conditions or lifestyle factors.
Our team can guide you in finding the right coverage and the best-fit insurance carrier for you and your family’s unique needs.
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