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This Web site contains a compilation of more than a thousand consumer finance  columns written by Tony Novak from the 1980s through 2006, updated and reformatted for maximum usefulness today.  New material was added after 2010.

Content is the opinion of the author and does not represent the position of any other person or entity. Information is from sources believed to be reliable but cannot be guaranteed.

The author is paid for product endorsements and has an ownership or other financial interest in the businesses related to the topics covered.

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Guarantee Trust Life Insurance

originally posted: 11/22/2006  reposted: 2/18/2011 This post has not been recently reviewed or revised by the author and may be out of date. If you notice an error or are in doubt, please send a new question by email or ask for an update. Email

Q: How safe is Guarantee Trust Life Insurance?

A: This company is rated B+ (Good) by A.M. Best Company. This company's "claim to fame" is that they issue up to $250,000 life insurance immediately online at guaranteed rates up to 30 years without the requirement of a medical exam. There is no need to meet with an agent or give a blood or urine sample. The rates are higher than a person in perfect health with a medical exam could obtain, but the speed and convenience make this a popular choice for employer-provided life insurance and for short term coverage while between jobs. A complete brochure about this company can be downloaded at that includes more detailed financial information about this company.


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