I haven't been with GTL since the 80s. Thye were a good company to deal with back then but they started doing away with porducts until they ahve very little to offer. I would say they are good to deal with. They do the underwriting and issue of the UNL products and I am satisfied with them other than it seems ti takes them forever to send the policy after it is issued.Speaking of GTL, how are their products as a whole and how are they to work with? I just contracted with them and plan on marketing their lump sum CHS products.