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Critical Illness
Nearly all of us know someone who understands first-hand
the challenges a critical illness poses. A friend who was diagnosed with
cancer…a co-worker who had a heart attack... a loved one who suffered a
stroke.
Think of people in your life that may have suffered from a critical
illness.
Now think about what a difference a cash payment of $25,000, $50,000 or
even $100,000 would have made to each person when their condition was
diagnosed.
The people I'm thinking of really could have used extra money to:
Pay off outstanding debts
Pay regular bills
Supplement lost income
Take a leave of absence from work
Get medical treatment their health insurance didn't cover
Arrange for child care while in treatment or recovery
The people you're thinking of may not have
known about critical illness insurance, but you do.
What is Individual
Critical Illness Insurance?
Critical illness insurance pays an up-front tax-free1 cash
benefit upon diagnosis (as defined by the policy) for the following
covered conditions2:
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Heart Attack
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Life-Threatening Cancer
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Stroke
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Alzheimer's Disease
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Major Organ Transplant
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Multiple Sclerosis
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Paralysis
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Kidney Failure
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Blindness
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Deafness
Return of Premium2
You will receive the up-front cash benefit upon diagnosis
(as defined by the policy), or If you die while this coverage is in force,
your beneficiary or your estate will receive either:
All paid premiums less benefits received (except when
the policy is reinstated), or
nothing, if the benefits paid are equal to or greater than the premiums
paid.
Reduction of Benefits at age 65
The maximum benefit amount will be reduced by 50 percent at age 65 or 5
years after the issue date if the insured is age 60 or older at policy
issue2.
To learn more, please call: 800 721-2618
Health insurance plans
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