Medicare_GTL_5Year_Comparison (1).pptxMedicare_GTL_5Year_Comparison.pptx🏥 Beyond Medicare: Precision Cancer Protection & Hospital Indemnity
A major medical or Medicare layout shields you from baseline healthcare costs, but an unexpected critical illness or extended hospital stay can trigger significant out-of-pocket gaps. Our auxiliary risk-management plans are selected to provide absolute financial certainty when you need it most.
🔬 GTL Precision Care: The Return-of-Premium Advantage
Traditional cancer policies are a financial expense if you never use them. We utilize Guarantee Trust Life (GTL) Precision Care because it flips that outdated model on its head with a unique Return of Premium (ROP) rider:
The 100% Cash-Back Guarantee: If you maintain the policy for 20 years and never receive a cancer diagnosis, GTL contractually pays you back 100% of every single dollar you paid in premiums. It essentially functions as a final expense safeguard for your estate.
Advanced Biomarker Technology: If a diagnosis does occur, the policy doesn't just pay a cash benefit. It grants you immediate access to The City of Hope and TGen genomics labs. Experts run cutting-edge biomarker measurements on your specific tumor, handing your oncologist the precise genomic data needed to target the exact type of cancer with the right treatment immediately.
📊 5-Year Cumulative Financial Impact Review
Year 1 Allocation
Annual Premium Cost: $1,200
Cumulative Outlay (Total Premiums Paid): $1,200
Total Out-of-Pocket Expense Shielded: $1,700 (Premiums + $500 Indirect Costs)
Year 2 Allocation
Annual Premium Cost: $1,200
Cumulative Outlay (Total Premiums Paid): $2,400
Total Out-of-Pocket Expense Shielded: $3,400 (Premiums + $1,000 Cumulative Costs)
Year 3 Allocation
Annual Premium Cost: $1,200
Cumulative Outlay (Total Premiums Paid): $3,600
Total Out-of-Pocket Expense Shielded: $5,100 (Premiums + $1,500 Cumulative Costs)
Year 4 Allocation
Annual Premium Cost: $1,200
Cumulative Outlay (Total Premiums Paid): $4,800
Total Out-of-Pocket Expense Shielded: $6,800 (Premiums + $2,000 Cumulative Costs)
Year 5 Allocation
Annual Premium Cost: $1,200
Cumulative Outlay (Total Premiums Paid): $6,000
Total Out-of-Pocket Expense Shielded: $8,500 (Premiums + $2,500 Cumulative Costs)
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GTL's Precision Care Cancer Insurance.pdfGTL Indemnity Plus Elite_SBSA FL Large Brochure Rv 8_24.pdfadvantage_plus_elite_-_consumer_video_v4 (1).mp4GTL
GTL
Manhattan Life
Mutual of Omaha
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