Critical Illness Insurance

WorkingAmericanBenefits™

Critical Illness Insurance

For when the UNEXPECTED becomes reality!

Pays for treatment and recovery of a serious illness Pays in addition to any other insurance you have!

Pays you a lump sum!

If you suffer a covered critical illness ON or OFF the job, you could be paid between $10,000 and $250,000 lump sum depending on the amount of coverage you purchased.

Critical Illness Insurance pays Living Benefits to a covered individual upon diagnosis of a critical illness regardless of treatment, actual expenses or other coverage. Living Benefits payments are from all or part of the Life Insurance face amount and are for covered conditions diagnosed at least 30 days after the policy effective date (60 days for cancer).

PAYS YOU a lump sum, the percentage of your insurance benefit if you are diagnosed with one of the following:

•	CANCER (Life Threatening)	- 100%
•	HEART ATTACK	- 100%
•	STROKE	- 100%
•	RENAL FAILURE	- 100%
•	MAJOR ORGAN TRANSPLANT	- 100%
•	TERMINAL ILLNESS	- 100%
•	*TOTAL DISABILITY (Sickness or Accident)**	- 100%
•	MAJOR HEART SURGERY (Payable once)	- 25%
•	HIV (Payable once)**	- 25%
•	ANGIOPLASTY	- 10%
•	DEATH from any cause ***	- 100%

Disclaimer: Benefits vary by state and insurance company. Some insurance companies cover all, some cover less and some cover more than the number of conditions shown above. Click on the button for a company listed on the right of the screen to see its coverage.

* Pays an annual benefit of 10% of the Current Death Benefit of the policy for Total Disability for five years, followed a year later by a final payment of the balance.

** Covered only if the infection was caused by a medically necessary blood transfusion performed in the United States after the Policy date.

*** Except suicide during the first two years of the policy.

COVERAGE CAN BE PURCHASED ON OR OFF THE JOB.

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