Critical Illness Product Summary

Who’s Eligible

Ages

Amount of Insurance

Features and Benefits

Rates

Member/ Individual

18-65

(64 in NY & SC)

$10,000-$100,000

Available in $1,000 increments

  • Premiums Level
  • Guaranteed Renewable
  • Portable
  • Affordable
  • Date of Application Coverage
  • Lump Sum Payment
  • Best Doctors

Based on:

  • Member Issue Age

(issued in groups:

18-25, 26-30 etc.)

  • Tobacco Status
  • Face Amount
  • Family Members Covered

Spouse/ Domestic Partner

18-65

(64 in NY & SC)

50% of Member’s Face Amount

Dependent Children

 

Grandchildren (Must be financially dependent, claimed on taxes)

Up to 26

50% of Member’s Face Amount

Provides Comprehensive Coverage for: Cancer, Heart Attack, Stroke, ALS, Kidney Failure, Benign Brain Tumor, Multiple Sclerosis, Coma, Major Organ Failure, Carcinoma in Situ 25%, Coronary Artery Obstruction 25%, Skin Cancer $250

(*Some state difference apply)

CI Only (Critical Illness) Plan

CA Only (Cancer) Plan

Members who have a history of Cancer but no other critical illnesses can get a lump sum benefit policy for Critical Illness, excluding Cancer (*Some state difference apply)

Members who have a history of critical illnesses but not Cancer can get a lump sum benefit policy for Cancer only coverage (*Some state difference apply)

Pre-Existing Condition Rules

Waiting Periods

Conditions caused by a Pre-existing Condition are not covered unless such condition begins after 12 months* from the issue date of this policy.

Coverage starts on the date of application. A Waiting Period is the period of time in which no benefits are payable. The waiting period is 30 days for most states and begins on the date of application. It is like a deductible.    

Employment:

  • Are you actively at work at least 17 1/2 hours each week? (Non-Working individuals still eligible in most states)

 

Underwriting: (Standard questions, additional questions may apply)

  • Within the past 10 years, has the proposed insured received any medical advice or treatment for, or taken prescription medicine for, or had:
    1. 1a Stroke, Transient Ischemic Attack (TIA), Amyotrophic Lateral Sclerosis (ALS), Multiple Sclerosis, Alzheimer's, Parkinson's, heart attack, coronary artery disease, heart condition, blood disorder, emphysema, chronic obstructive lung or pulmonary disease, organ transplant, polycystic kidney disease, chronic renal (kidney) failure, cirrhosis of the liver, Hepatitis B or C, alcoholism, drug addiction, diabetes, (excluding diabetes experienced during pregnancy)?
    2. 1b Cancer, carcinoma-in-situ, malignant growth, melanoma, or Hodgkin's Disease?
    3. 1c Acquired Immunodeficiency Syndrome (AIDS)?
  • In the past 6 months has any proposed Insured:
    1. 2a been diagnosed as having test results for which follow-up was necessary or recommended from screening examinations such as periodic mammograms, periodic chest x-rays, pap smears, PSA tests, stool occult, or blood tests?
    2. 2b been in a hospital as an inpatient for more than 48 hours, except for childbirth?
    3. 2c experience an unexplained weight loss of 20 pounds or more, other than by dieting?
    4. 2d been treated with three or more medications at the same time for high blood pressure or had a reading at or above 150MM.HG Systolic Blood Pressure and/or 100 MM.HG Diastolic Blood Pressure?