Critical Illness Insurance Benefits
Cancer Lump Sum Benefit and Limited Specified Disease Benefit for Heart Attack and Stroke.
Have a plan for the unthinkable. In the event of the first diagnosis of a critical illness, this coverage will pay a lump-sum, cash benefit to help you cover your out-of-pocket expenses that insurance doesn’t cover. You can use the cash any way you choose and reduce the potential financial impact on your loved ones.
| Critical Illness (CI) Benefit Details | |
|---|---|
| Waiting Period | 60 Days |
| Pre-Existing Conditions Period | 12 Months |
| Benefit Eligibility for Pre-Existing Conditions | 12 Months After Eff. Date |
| Limited Specified Disease Benefit Rider | |
| Heart Attack | 100% |
| Stroke | 100% |
| Cancer Lump Sum Benefit Rider | |
| Cancer Lump Sum Benefit | 100% |
Critical Illness Benefit Features:
- Plan OptiSelect+ 5K includes coverage for a lump sum benefit of $5,000 upon the first diagnosis of a covered condition
- No deductible to meet
- Benefit will term at obtained age 65
A 60-day waiting period applies to benefits in most states. You will only be allowed one benefit payout per covered person. If a spouse and/or children are on the policy, they are covered at 100% of the benefit.
Benefits will not paid for a covered Critical Illness caused or contributed to by, or resulting from, a Pre-existing Condition until the Covered Person is insured under this Policy for at least 12 months. The Critical-Illness Benefit Rider terminates at age 60 for adults and age 26 for dependent children. See disclaimers and disclosures for more details.
$5,000 Critical Illness Benefit Level Available