INDIVIDUAL
HEALTH INSURANCE FAMILY HEALTH INSURANCE GROUP INSURANCE LIFE INSURANCE SHORT TERM COVERAGE DENTAL PLANS ACCIDENT PROTECT INDEMNITY CRITICAL ILLNESS CANCER PLANS

• copays
• deductables
• coinsurance,
Not to mention terms like
• pre-existing conditions,
• limitations and exclusions,
• term lengths,

1.	Lack of direction on where to obtain insurance.
2.	Rising cost to obtain and/or continue carring coverage.
3.	Not knowing how insurance really works, let alone protect.

Why assume when it could cost you your future! Let one of our licensed insurance agents help guide you every step of the way!

Get involved in protecting yourself, its the most valuable asset you own.

CANCER PLANS

Cancer

While many positive steps have been made in cancer research, cancer treatments can be very expensive. Do you have the funds to pay for the hospital expenses, treatments, and prescriptions should you be diagnosed with cancer?

Who is at Risk of Developing Cancer?

• Although nearly 80% of all cancers are diagnosed in patients 55 years and older, everyone is at risk. Since the occurrence of cancer increases with age, most people are affected as middle-aged adults. *
• According to the National Cancer Institute, more than 8 million Americans have had cancer in their lifetime.
• 1,284,900 new cases are expected to be diagnosed in 2002 alone. Since 1990, nearly 16 million new cancer cases have been diagnosed. *

What are the Costs of Cancer?

Cancer treatment can place a great financial burden on patients and their families. Hospitalization and medication costs need to be considered, as well as non-medical expenses such as loss of income and transportation to treatment centers.

• In 2001, the National Institutes of Health estimated the overall U.S. annual costs for cancer at $156.7 billion.*

CANCER FACTS, According to the American Cancer Society:

• Cancer is the second leading cause of death in the U.S.
• In the U.S., men have an estimated 1 in 2 lifetime risk of developing cancer; for women, it's about 1 in 3.
• In the U.S., 1 of every 4 deaths is from cancer.
• 555,500 cancer deaths are expected in 2002, more than 1,500 people a day.

OTHER HEALTH FACTS:

• Approximately 1 million Americans suffer a heart attack each year. (Source Medline Plus)
• Stroke is the third leading cause of death in the U.S.
• Every 53 seconds, someone in America has a stroke. **
• Each heart attack costs a minimum of $150,000. (Source Early Warning Healthcare Institute)

GTL's Cancer, Heart Attack and Stroke Indemnity Plan features:

• Benefits paid for hospital confinement, intensive care, private nurses, and blood transfusions paid directly to the insured
• Family coverage includes spouse, and unmarried dependent children under 19, or 23 if a full time student
• 10-day right to return policy for a full refund
• Worldwide, 24-hour protection

GTL's First Occurrence Cancer Plan features:

• Lump Sum benefit paid directly to the insured
• Benefits from $5,000 to $25,000
• 30-Day Money-back Guarantee
Hospitalization is not required

GTL's Cancer Care Plus Plan features:

• Coverage for Inpatient and Outpatient expenses
• Transportation and lodging benefits paid directly to the insured
• Optional Benefits covering Intensive Care Unit and Initial Occurrence of Cancer