Cancer Lump Sum Benefit and Limited Specified Disease Benefit for Heart Attack and Stroke.

Have a plan for the unthinkable. In the event of the first diagnosis of a critical illness, this plan will pay a lump-sum, cash benefit to help you cover your out-of-pocket expenses that insurance doesn’t cover. You can use the cash any way you choose and reduce the potential financial impact on your loved ones.

Critical Illness (CI) Benefit Details
Waiting Period	60 Days
Pre-Existing Conditions Period	12 Months
Benefit Eligibility for Pre-Existing Conditions	12 Months After Eff. Date
Limited Specified Disease Benefit Rider
Heart Attack	100%
Stroke	100%
Cancer Lump Sum Benefit Rider
Cancer Lump Sum Benefit	100%

Critical Illness Benefit Features:

• Pays a lump sum benefit of $10,000 upon the first diagnosis of a covered condition
• No deductible to meet
• Benefit will term at obtained age 65

A 60-day waiting period applies to benefits in most states. You will only be allowed one benefit payout per covered person. If a spouse and/or children are on the policy, they are covered at 100% of the benefit.

Benefits will not paid for a covered Critical Illness caused or contributed to by, or resulting from, a Pre-existing Condition until the Covered Person is insured under this Policy for at least 12 months. The Critical-Illness Benefit Rider terminates at age 60 for adults and age 26 for dependent children. See disclaimers and disclosures for more details.

*See Disclosures and Terms

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