Guarantee Trust Life (GTL) Medicare Supplement Review: An A Rating, a Price Near the Bottom
By Anthony Orner, Independent Licensed Medicare Insurance Broker · Filed-rate data as of September 14, 2026 · Source: CSG Actuarial
GTL's Plan G costs $181.60 to $358.58 a month at 65 in 17 states. It is the single most expensive Plan G on the board in 6 of them, and last or next to last in 14. Only Delaware lifts it out of the bottom quarter, at 14 of 20.
None of that is about solvency. GTL dates to 1936, and AM Best moved it up to an A rating in October 2024. It is a pricing story, and the filing history by year is in the table below.
Carriers pay the broker; the price you pay is the same either way.
GTL Plan G and Plan N by State, Age 65
One flagship county per state, a woman aged 65, non-tobacco, no household discount. Best Plan G rank first. “Over cheapest” is how far GTL sits above the lowest Plan G in that county, in percent.
| State (county) | Plan G | G rank | Over cheapest | Plan N | Filings 2024 / 2025 / 2026 |
|---|---|---|---|---|---|
| Delaware (New Castle County) | $181.60 | 14 of 20 | +17% | $149.20 (15 of 18) | +5% / +7.9% / +4% |
| Georgia (Fulton County) | $308.15 | 19 of 20 | +113% | $243.33 (20 of 21) | +12% / +15% / +15% |
| Virginia (Fairfax County) | $290.03 | 20 of 21 | +164% | $230.27 (21 of 21) | +14.9% / +19.9% / +19.9% |
| Mississippi (Hinds County) | $252.72 | 21 of 23 | +120% | $200.27 (21 of 23) | +15% / +14.9% / +10.05% |
| Montana (Yellowstone County) | $346.95 | 21 of 22 | +144% | $272.51 (20 of 20) | +19.9% / +16.9% / +16.9% |
| Alabama (Jefferson County) | $318.21 | 22 of 22 | +156% | $258.93 (20 of 21) | +19.9% / +16.9% / +13.9% |
| Kansas (Johnson County) | $231.79 | 24 of 25 | +62% | $181.60 (21 of 24) | +9.9% / +12% / +12% |
| West Virginia (Kanawha County) | $235.94 | 24 of 25 | +88% | $183.81 (23 of 25) | +10% / +12% / +15% |
| South Carolina (Greenville County) | $249.09 | 24 of 25 | +118% | $186.90 (23 of 24) | +14.9% / +9.9% / +7.9% |
| Colorado (Denver County) | $351.23 | 24 of 24 | +175% | $281.23 (21 of 21) | +19.9% / +16.9% / +13.9% |
| Texas (Harris County) | $284.86 | 26 of 26 | +100% | $180.88 (20 of 24) | +12.4% / +12.3% / +13.3% |
| Michigan (Wayne County) | $292.40 | 26 of 27 | +158% | $244.12 (25 of 27) | +9.9% / +14.9% / +7.9% |
| Pennsylvania (Philadelphia County) | $293.19 | 26 of 27 | +74% | $228.18 (27 of 27) | +9.9% / +14.9% / +5% |
| Arizona (Maricopa County) | $299.32 | 26 of 29 | +104% | $258.23 (28 of 29) | +19.9% / +9.9% / +9.9% |
| Tennessee (Davidson County) | $358.58 | 28 of 28 | +147% | $261.22 (26 of 27) | +19.9% / +16.5% / +19.9% |
| North Carolina (Mecklenburg County) | $315.20 | 30 of 30 | +174% | $203.86 (28 of 29) | +19.9% / +19.9% / +16.9% |
| Ohio (Cuyahoga County) | $342.84 | 34 of 34 | +190% | $277.27 (33 of 33) | +19.9% / — / +26.14% |
Plan G benefits are identical at every company by federal law. A GTL Plan G pays the same claims as the cheapest one in the table; it just costs more each month.
Three Years of Filings in a Row
GTL filed a Plan G increase in 2024, again in 2025 and again in 2026 in 16 of the 17 states. The 2026 round ran from 4% to 26.14%, median 13.9%. Virginia, Montana, Alabama, Colorado, Arizona, Tennessee, North Carolina and Ohio each took at least one filing of 19.9% or more in that span.
Each increase applies to a premium the previous one already raised, so a policy bought before the first of them carries every one.
What the AM Best Rating Does and Doesn't Tell You
AM Best raised GTL to A (Excellent) from A- in October 2024. That speaks to claims-paying strength, and it is a good grade. It says nothing about premiums. The cheapest Plan G in each of these counties pays exactly the same benefits, because federal law fixes them.
Own a GTL Policy?
Price the move before the next renewal letter. If you can answer the new carrier's health questions, most states let you switch any month of the year. We compare every carrier filed at your age and ZIP and help you apply with the one that fits.
An A-rated insurer whose Plan G is last or next to last on 14 of 17 boards.
Call with your ZIP and birth month. I'll show you what every carrier files at your age.
See Every Carrier at Your Age — 855-559-1700Guarantee Trust Life Medigap: Common Questions
Related:
Rates are carrier filed rates from CSG Actuarial, pulled September 10, 2026 to September 14, 2026: one flagship county per state, a 65-year-old woman, non-tobacco, no household discount. Guarantee Trust Life is NAIC 64211. GTL also files in Oklahoma, Nebraska and Iowa, left out because we don't place business there. The 1936 founding and product list are from GTL's website; the Glenview address is from the Missouri Department of Insurance company listing; the October 2024 rating change is from AM Best's announcement, and CSG's file lists the same A rating. MedicareYourself is a private independent brokerage, not affiliated with or endorsed by Medicare, Guarantee Trust Life or any government agency. Questions about this data: anthony@easykindmedicare.com.