Plan Highlights

Critical Illness insurance provides an up-front cash benefit when you need it most- upon diagnosis (as defined by the policy/certificate) of some of the most costly illnesses and conditions people face. The money is yours to spend however you wish.

CRITICAL ILLNESS INSURANCE PAYS 100% OF YOUR MAXIMUM BENEFIT AMOUNT FOR THE FOLLOWING ILLNESSES AND CONDITIONS:

Heart Attack (myocardial infraction) when your:

• Heart blood supply is blocked;
• Heart has permanent tissue death and scarring; and
• Diagnosis is based on new changes on your electrocardiogram
  (ECG or EKG) and blood tests.

Life-Threatening Cancer when your cancer is:

• Malignant; and
• Growing uncontrollably outside its original area invading normal tissue.

Stroke when:

• A blood vessel ruptures in the brain; or
• A blood clot blocks blood flow through the brain; and
• Effects of the neurological injury last for at least 30 days.
  ( At least 24 hour in Arkansas)

Alzheimer's disease when your neurologist diagnoses you with advanced stage of Alzheimer's in which you:

• Require permanent daily supervision; and
• Cannot do three or more activities of daily living by yourself.

Major Organ Transplant when:

• There is a clinical evidence of major organ failure;
• Your malfunctioning organ (s) or tissue; and
• Your are registered with the United Network of Organ Sharing (UNOS)

Also pays 100% of your maximum benefit for:

Multiple Sclerosis, Paralysis, Kidney failure, Blindness, Deafness

CRITICAL ILLNESS INSURANCE PAYS 25% OF YOUR MAXIMUM BENEFIT AMOUNT FOR THE FOLLOWING ILLNESSES AND CONDITIONS:

First-Ever Coronary Artery Bypass Surgery when a cardiothoracic surgeon:

• Places a healthy artery and /or vein segment (s) around your blocked artery (ies).

First-Ever Coronary Angioplasty when a cardiologist:

• Opens your blocked or narrowing artery (ies) with a balloon or other device to restore normal blood flow.

First Carcinoma in Situ when your cancer tumor is:

• Malignant; and
• Located only in its original part of the body (hasn't spread).

RETURN OF PREMIUM
You will receive a lump-sum benefit upon diagnosis, or if you die while this coverage is in force, your beneficiary or your estate will receive either (a) all paid premiums less benefits received* or (b) nothing, if the benefits paid are equal to or greater than the premiums paid.

* Except when the policy/certificate is reinstated - read the policy/certificate for an explanation.
In Georgia, if you die while this coverage is in force, your beneficiary or your estate will receive an amount equal to or lesser of: (a) return of premium; or (b) the maximum benefit amount in force at the time of death.

OPTIONAL BENEFITS*
Association Marketing Benefit - Members of approved, endorsed associations may be eligible to receive an additional benefit that covers hospital confinement at no additional cost.

• $50 per day for inpatient confinement for up to a lifetime maximum of 25 days.

Disability Income - Pays you 5% of the rider's benefit every six months for the first 5 years and a lump sum after that when you:

• Become totally disabled form sickness or injury not covered under the Critical Illness policy/certificate; and
• Qualify for Social Security disability benefits.

Accidental Death and Dismemberment - Pays when you lose your hand, foot or life in a covered accident.

• Rider availability may vary by state.

30-DAY RIGHT TO EXAMINE
You will have 30 days after you receive your policy/certificate to return it to the agent or us. The premium paid will be refunded and the policy/certificate will be voided.

EXLUSIONS AND LIMITATIONS
The policy does not cover any loss of the Insured caused by the following:

1. intentionally self inflicted injury, while sane or insane (in MO, sane only);
2. the use of or intake of any drug, intoxicant or narcotic, other than as prescribed and administered by or in accordance with the instruction of a legally Qualified Physician (not applicable ID, SC or SD);
3. the Insured's operation of a motor vehicle while the Insured's drug alcohol concentration is in excess of the legal limit in the state in which the incident occurs ( not applicable in ID, SC or SD);
4. committing or attempting to commit a felony;
5. loss resulting from, or service in the armed forces or auxiliary units (In SC, loss resulting from, or service in the armed forces or auxiliary units - upon notice of entry into a service, the pro rata premium will be refunded);
6. while engaging in an illegal occupation: or
7. participating in a riot or insurrection.
8. In ID, alcoholism or drug addiction.
9. In SC, being intoxicated or under the influence of any narcotic unless taken on the advice of a Legally Qualified Physician.

The policy/Certificate will cover only the following skin cancer:

1. invasive malignant melanoma in the dermis or deeper; and
2. skin malignancies that have become Life Threatening Cancers.

No benefits are payable for the medical conditions or surgical treatments other then the Critical Illness Insured conditions defined in the policy/certificate.

If the cancer is detected within the first 30 days following the policy/certificate issue date, the policy/certificate will be terminated and the premiums paid will be returned (provisions may vary by state).

The maximum benefit amount will be reduced by 50% at the age 65 or five years after the issue date if the insured is 60 or older at the policy certificate issue. The policy/certificate or certain riders pay a portion of the maximum benefit amount, your maximum amount and premium will be reduced accordingly.