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Disclosures, Disclaimers, Terms, and Exclusions



Some products are not available in all states.

Guarantee Trust Life Insurance Company

$20,000 Group Term Life

Heartland Alliance of America is proud to announce the addition of a new benefit to the membership portfolio. The eligible primary Member (ages 18-69) will now enjoy $20,000 of Group Term Life Insurance coverage with no medical information required.*

One of the premiere benefits of your membership in the Heartland Association is the Group Term Life Insurance. Life insurance is one of the most cost-effective ways to safeguard the dreams of future generations. While you could never be replaced, life insurance can help your family weather the financial burden resulting from a loss of income due to your death.

Group Term life insurance offers effective protection for times when your family needs it the most. Restrictions may apply.

Your life insurance coverage benefits are payable after a Waiting Period of 6 months. During this Waiting Period, $20,000 Accident Only benefit is provided for Accidental Death only when death is due to accidental causes.

At age 70 and over only $20,000 Accidental death benefit is payable only when death is due to accidental causes.

Term Life Insurance is issued on Form Series GLC-3002. This product, and its features are subject to state availability and may vary by state. Certain exclusions and limitations may apply. There is a 6 month waiting period on the Life insurance, when only Accidental death benefit is payable during this waiting period. There is no medical exam required for the Life policies. Members 18 to 69 years of age will receive Full Face Value. Members 70+ years will be covered by $20,000 Accident Only coverage.
The following rates apply for coverage underwritten by Guarantee Trust Life Insurance company as part of your membership in the Heartland Alliance of America. The rates by plan are: $20,000 Group Term Life: Primary Member all ages = $8.80 per month.

Suicide Exclusion

If a Covered Person dies as the result of suicide or any attempt at suicide, while sane or insane within two years of his Effective Date of coverage, the insurance company will be liable only for an amount equal to the Premium paid.

Accidental Death Benefit Exclusions

If, within 90 days from the date of an Accident which occurs while coverage is in force, Injury from such Accident results in a loss covered by this benefit, We will pay the benefit in the amount set opposite such loss, as shown on the Schedule of Benefits. If more than one such loss is sustained as the result of one Accident, We will pay only one amount, the largest to which the Covered Person is entitled.

This benefit is subject to all the terms, conditions and exclusions of this Certificate.

Exclusions: No benefits are payable for any loss caused by:

  • Suicide or intentionally self-inflicted Injury while sane or insane.
  • War or any act of war, declared or undeclared.
  • Travel, or flight in or descent from any kind of aircraft unless as a fare paying passenger on a regularly scheduled flight.
  • As a passenger on an official flight of the Military Airlift command of the United States or similar air transport services of other countries.
  • Infections, except infections which occur simultaneously with or through a cut or wound sustained as the direct result of an Injury, independent of any other cause; and
  • The non-accidental ingestion of a contaminated substance.
  • Intoxication as defined in the jurisdiction where the accident occurred.
  • Being under the influence of any drug unless administered and taken as prescribed by a Doctor.
  • Participation in an attempt to commit an assault or felony, or participation in a riot.
  • Voluntary gas inhalation or poison voluntarily taken, administered or inhaled.
  • Riding or driving as a professional in any kind of race for prize money or profit.

The Group Accident Only Insuance is underwritten by Guarantee Trust Life Insurance company (GTL), Glenview, IL. under policy form series GC-1400 and is subject to the terms, definitions, conditions, exclusions, and limitations of the group policy. This product and its features are subject to state availability and may vary by state. Certain exclusions and limitations may apply. All members of Heartland Alliance of America Silver Complete Plan are eligible to receive these benefits. For complete details of coverage, please contact your agent or us.

The following rates apply for coverage underwritten by Guarantee Trust Life Insurance company as part of your membership in the Heartland Alliance of America. The rates by plan are: Group Accident Only AME $10,000 with $500 deductible, AD&D $10,000: Composit Rate = $11.00 per month.


Group Accident Insurance Exclusions

The Policy does not provide benefits for:

  • Treatment, services or supplies which:
    • Are not Medically Necessary;
    • Are not prescribed by a Doctor as necessary to treat an Injury;
    • Are determined to be Experimental/Investigational in nature;
    • Are received without charge or legal obligation to pay;
    • Are received from persons employed or retained by any Family Member, unless otherwise specified; or
    • Are not specifically listed as Covered Charges in the Policy.
  • Injury by acts of war, whether declared or not.
  • Injury received while traveling or flying by air, except as a fare-paying passenger and not as a pilot or crew member, on a regularly scheduled commercial airline.
  • Injury covered by Worker’s compensation, Employer Liability law or Occupational Disease Act or Law.
  • Dental treatment, except as specifically stated.
  • Injury sustained while committing or attempting to commit a felony.
  • Prescription Drugs except as specifically stated.
  • Suicide or attempted suicide while sane or insane.
  • Intentionally self-inflicted Injury.
  • Loss resulting from being legally intoxicated or under the influence of alcohol as defined by the laws of the state or jurisdiction in which the Injury occurs.
  • Loss resulting from being under the influence of any drugs or narcotic unless administered on the advice of a Doctor.
  • Injury sustained while participating in or practicing for any professional, intercollegiate or sports activity, except as specifically provided.
  • Injury which occurs while a Covered Person is on active duty service in any armed forces. Reserve or National Guard active duty for training is not excluded unless it extends beyond 31 days.
  • Injury sustained flying in an ultra-light, hang gliding, parachuting or bungee-cord jumping, by flight in a space craft or any craft designed for navigation above or beyond the earth’s atmosphere.
  • Injury sustained while driving or riding on vehicles for off-road use including but not limited to all-terrain vehicles (ATV’s).
  • Injury sustained where a Covered Person is the operator and does not possess a current and valid motor vehicle operator’s license, except in a Driver’s Education Program.
  • Treatment in any Veteran’s Administration or federal Hospital, except if there is a legal obligation to pay.
  • Cosmetic surgery, except for reconstructive surgery on an injured part of the body.
  • Covered Charges incurred outside of the United States or its possessions
  • competing in motor sports races or competitions;
  • competing in water sports races or competitions;
  • Testing cars/trucks on any racetrack or speedway;
  • Handling, storing or transporting explosives;
  • Scaling up cliffs or mountain walls;
  • Spelunking (exploring caves);
  • Handling or working with dangerous animals.
  • Injury sustained while water skiing or surfboarding;
  • Injury sustained while snow skiing or snowboarding;
  • Injury sustained while roller blading or skateboarding;
  • Injury sustained while participating in a rodeo.
  • Reinjury or complications of an Injury caused or contributed to by a condition that existed before the Accident.
  • Repetitive motion injuries, strains, hernia, tendonitis, bursitis and heat exhaustion not related to a specific Injury.

General Disclosures

Guarantee Trust Life Insurance company and Heartland Alliance of America, Coverdell, Careington International Corporation and Arthur J. Gallagher are separate legal entities and have sole financial responsibility for their own products. Or in some cases: Guarantee Trust Life Insurance company and Heartland Alliance of America, Coverdell, Careington International Corporation and Arthur J. Gallagher are separate legal entities.

Guarantee Trust Life Insurance company (GTL) provides the Group Accident Only insurance. GTL does not provide nor is affiliated with the discount programs provided as a part of membership in Heartland Alliance of America.

Exclusions and limitations may vary by state. For complete details of coverage, please refer to the certificate.

You have the option of downloading your certificate electronically. If you choose to do so, you are consenting to accept electronic delivery of your certificate. You also have the right at any time to receive a hard copy of your certificate. If you choose this option, please call 1-(833) 469-4228.



IHLIC


This product and its features are subject to state availability and vary by states listed below. Certain exclusions and limitations may apply. There is a 180 day waiting period on the Life policies, however there is no medical exam required for the Life policies. This benefit is currently available to residents of the following states: Alabama, Arizona, Arkansas, Colorado, Florida, Georgia, Illinois, Indiana, Kentucky, Mississippi, Missouri, Michigan, Montana, Nebraska, New Mexico, Ohio, Oklahoma, Pennsylvania, South Carolina, Tennessee, Texas, West Virginia and Virginia. This information is not an offer or contract. Coverage is subject to the terms and conditions of the Group Certificate and Group Policy. This information is not an offer or contract. Coverage is subject to the terms and conditions of the Group Certificate and Group Policy. Investors Heritage Life Insurance Company PO Box 717, 200 Capital Ave, Frankfort, KY 40602-0717 phone: 1-800-422-2011. The following rates apply for coverage underwritten by Investors Hearitage Life Insurance Company as part of your membership in the Heartland Alliance of America. The rates by plan are: $10,000 Accident Only Life: Member Only = $4 per month, $5,000 Accident Only Life: Member Only = $2 per month.


If, within 90 days from the date of an Accident which occurs while coverage is in force, Injury from such Accident results in a loss covered by this benefit, We will pay the benefit in the amount set opposite such loss, as shown on the Schedule of Benefits. If more than one such loss is sustained as the result of one Accident, We will pay only one amount, the largest to which the Covered Person is entitled.

This benefit is subject to all the terms, conditions and exclusions of this Certificate. Exclusions: No benefits are payable for any loss caused by:

  • Suicide or intentionally self-inflicted Injury while sane or insane.
  • War or any act of war, declared or undeclared.
  • Travel, or flight in or descent from any kind of aircraft unless as a fare paying passenger on a regularly scheduled flight.
  • As a passenger on an official flight of the Military Airlift Command of the United States or similar air transport services of other countries.
  • Infections, except infections which occur simultaneously with or through a cut or wound sustained as the direct result of an Injury, independent of any other cause; and
  • The non-accidental ingestion of a contaminated substance.
  • Being under the influence of alcohol or any drug unless administered and taken as prescribed by a Doctor.
  • Participation in an attempt to commit an assault or felony, or participation in a riot.
  • Voluntary gas inhalation or poison voluntarily taken, administered or inhaled.
  • Riding or driving as a professional in any kind of race for prize money or profit.


SUICIDE EXCLUSION

If a Covered Person dies as the result of suicide or any attempt at suicide, while sane or insane within two years of his Effective Date of coverage, the Insurance Company will be liable only for an amount equal to the Premium paid. With respect to an increase in the amount of insurance, the Insurance Company will consider the two year period to begin as of the effective date of such increase. Our return of such Premium will be in lieu of all other benefits under this Certificate which may have been payable for that Covered Person.



You have the option of downloading your certificate electronically. If you choose to do so, you are consenting to accept electronic delivery of your certificate. You also have the right at any time to receive a hard copy of your certificate. If you choose this option, please call 1-(833) 469-4228.


The following list of companies are separate legal entities and have sole financial responsibility for their own products.

  • Heartland Alliance of America
  • Careingtion International Corporation
  • Guarantee Trust Life Insurance Company
  • Investors Heritage Life Insurance Company
  • Coverdell
  • Companies that provide discounts and benefits


Cancellation policy:

I may cancel automatic payments at any time by calling Customer Service at (833) 645-5306. I understand that I may terminate the scheduled payments by providing notification to the Customer Service team five (5) business day prior to the next scheduled payment date. This advance notice allows processing time to ensure the termination occurs prior to the next scheduled payment date. Automatic payment termination cannot be guaranteed with respect to notice provided outside of this window. If I am not satisfied with my membership, I may cancel within thirty (30) days from my membership’s effective date and I may be eligible to receive a full refund on the monthly membership dues collected for that month (Setup fee is not refundable). All cancellations must be directed to Customer Service at (833) 645-5306. Cancellations are processed Monday–Friday from 7 a.m. to 7 p.m. Central Time. All cancellation requests must be made five (5) days prior to the billing date in order to cancel the membership for that month. This advance notice allows processing time to ensure the cancellation occurs prior to the next scheduled payment date. Cancellations cannot be guaranteed with respect to notice provided outside of this window. If a cancellation request is received on or after the recurring billing date and the payment has been drafted, the membership will terminate prior to the next billing date and the member will be covered through the next month. By submitting a claim during the first 30 days, I acknowledge and agree that such a submission constitutes acceptance of the membership, the products, and their terms and submission of such a claim constitutes a waiver of any and all refund rights, including those noted in the foregoing paragraph. I request to reinstate within 30 days of cancelation the waiting period will not be in effect for the Life policies, if after the 30 days then there is a new 180 day waiting period for the life poicies.