CriticalCare Plus®

If diagnosed with a major illness (such as cancer, heart attack, stroke or kidney failure), CriticalCare Plus will provide an immediate payment to the insured, tax-free, to be used any way your client deems necessary, such as to replace lost income and cover deductibles, co-pays or out-of-network expenses; access the best health care; or even explore experimental drugs or treatments.

 Key Benefits:

• Pays a tax-free (based on current federal income tax laws) single-payment benefit of up to $500,000 directly to the policy holder, regardless of coverage by other sources
• Covers a broad range of conditions most likely to cause major lifestyle changes, including cancer, heart attack, stroke and kidney failure
• The only critical illness plan with term options — 10-yr, 15-yr, 20-yr, 30-yr and lifetime plans available
• Spouse and child(ren) coverage available
• Non-medical underwriting up to $100,000; full underwriting over $100,000
• Issue ages 18 to 64, 59 for smokers and for 10-year plan
• Loss of Independent Living Benefit
• Preventive Care: Pays up to $50 annually for a wide variety of medical tests
• Returns premiums paid from the original effective date less any benefits to the policy owner upon death
• Optional Benefits: Benefit Extension Rider (pays for multiple critical illnesses), Medical Personnel HIV Rider, Accidental Death and Dismemberment
• Available in all states except: CT, MA, NJ, NY and WA
• Policy Form Number: 05130
   

Benefits are subject to the terms of the policy, including pre-existing conditions, limitations and exclusions. Consult the policy for complete details.

These specifications are not intended to be all-inclusive of product information. State variations may apply. Benefits under health policies are subject to the terms of the policy, including pre-existing conditions, limitations and exclusions. Consult the policy or contract for complete details.

FOR PRODUCER USE ONLY - NOT FOR DISSEMINATION TO THE PUBLIC