Critical Illness Insurance

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Critical Illness Insurance

• Critical Illness Insurance
• The coverage that pays you for living

Critical Illness policy/certificate
CI/CI1/CCI/CCI1 (in ID, CI-20145/CI1-20146 in
OR, CI-19913/CI1-19914 in TX, CI-19753/CI1-19754)
or state equivalent. This is a limited benefit
health policy/certificate. Exclusions,
limitations and reductions apply. Rates and
availability may vary by state.
AFN30148_0903
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Critical Illness Insurance

• Due to medical advancements
• People live longer
• Average Life Expectancy1
• 1901 - 47.3 years
• 2001 - 77.2 years

1 National Center for Health Statistics, 2002
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Critical Illness Insurance

• Due to medical advancements
• More critical illnesses are diagnosed in the
  United States
• More than 1.3 million new cancer cases are
  expected to be diagnosed in 20031
• Every 29 seconds someone suffers a coronary
  event2
• Every 45 seconds someone suffers a stroke2

1 2003 Cancer Facts Figures, American Cancer
Society 2 Heart Disease Stroke Statistics -
2003 Update American Heart Association
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Critical Illness Insurance

• Due to medical advancements
• Also consider your lifestyle
• Today, we
• Eat a lot of fast food
• Drink more
• Smoke more
• Work more
• Rush around

This all adds up to more stress!
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Critical Illness Insurance

• Due to medical advancements
• People survive more critical illnesses
• The 5-year relative survival rate for all cancers
  combined is 621
• The 1-year heart attack survival rate is 752
• The 1-year stroke survival rate is 782

1 2003 Cancer Facts Figures, American Cancer
Society 2 Heart Disease Stroke Statistics -
2003 Update American Heart Association
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Critical Illness Insurance

• Due to medical advancements
• Survival has a price
• Costs like
• Loss of income
• Home modifications
• Experimental treatment
• Child care, housekeeping and other domestic
  assistance
• Transportation and lodging for family members and
  loved ones during treatment

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Critical Illness Insurance

• Critical Illness insurance meets a need not met
  by traditional productsthe price of survival.

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Critical Illness Insurance

• What is Critical Illness Insurance?

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Critical Illness Insurance

• What is Critical Illness Insurance?
• Developed by Dr. Marius Barnard in 1983
• Critical Illness provides you with a tax-free1
  lump-sum cash benefit when youre diagnosed2 with
  one of the covered conditions providing you

Financial independence when you need it most
1 According to current tax laws. Consult your tax
advisor. 2 As defined by the policy/certificate.
Exclusions and limitations apply.
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Critical Illness Insurance

• How do I use the cash benefit payment?
• Critical Illness insurance is all about personal
  choiceyou may use the cash benefit payment on

Anything you wish
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Critical Illness Insurance

• You may be thinking
• I already have health and disability insurance,
  so why do I need this?

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Critical Illness Insurance

• Traditional insurance wont cover all the
  expenses related to a critical illness
• Medical Insurance
• Pays for doctor visits and prescription drugs
• Disability Insurance
• Pays a portion of income during a period of
  covered disability
• Life Insurance
• Pays a beneficiary upon death

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Critical Illness Insurance

• Who do you know whos had
• cancer
• a heart attack
• a stroke

Who planned to be on that list?
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Critical Illness Insurance

• Now think about what a difference a cash payment
  of 25,000, 100,000 or more would have made to
  each person when their condition was diagnosed.

What difference would it make in your life?
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Critical Illness Insurance

• What events may impact or change your life?

Event Are you Insured? Stolen
vehicle _______________ Home
fire _______________ Home flood __________
_____ Death _______________ Diagnosis of
heart attack or cancer _______________
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Critical Illness Insurance

• Its not someone else.
• A Critical Illness Survivors Story

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Critical Illness Insurance

• Critical Illness Insurance from Mutual of Omaha
  Insurance Company

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Critical Illness Insurance

• Mutual of Omahas Critical Illness Insurance
• Pays 100 of your maximum benefit amount when
  youre diagnosed1 with

• Multiple Sclerosis
• Paralysis
• Renal (kidney) failure
• Blindness
• Deafness

• Life-Threatening Cancer
• Heart Attack
• Stroke
• Alzheimers Disease
• Major Organ Transplant - when registered with
  United Network of Organ Sharing (UNOS)

1 As defined by the policy/certificate
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Critical Illness Insurance

• Mutual of Omahas Critical Illness Insurance
• Pays 25 of your maximum benefit amount when
  youre diagnosed1 with

• First Carcinoma in Situ
• First Coronary Angioplasty
• First Coronary Bypass Surgery

1 As defined by the policy/certificate
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Critical Illness Insurance

• If 25 of policy benefit amount is paid, your
  policy still continues at a 75 benefit amount -
  with a 25 premium reduction

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Critical Illness Insurance

• Return of Premium Feature1
• Youll receive the lump-sum benefit upon
  diagnosis, or if you die while this coverage is
  in force, your beneficiary or your estate will
  receive either
• All paid premiums less benefits received or
• Nothing, if the benefits paid are equal to or
  greater than the premiums paid

1 As defined by the policy/certificate. Not
available in Florida.
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Critical Illness Insurance

• Return of Premium Feature1
• In Georgia, if you die while this coverage is in
  force, your beneficiary or your estate will
  receive an amount equal to or less of
• Return of premium or
• The maximum benefit amount in force at the time
  of death

1 As defined by the policy
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Critical Illness Insurance

• Reduction of Benefits
• The maximum benefit amount will be reduced by 50
  at age 65 or 5 years after the issue date if the
  insured is age 60 or older at policy/certificate
  issue
• If the policy/certificate or certain riders pay a
  portion of the maximum benefit amount, your
  maximum benefit amount and premium will be
  reduced accordingly

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Critical Illness Insurance

• Questions?

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Critical Illness Insurance

• Underwritten By
• Mutual of Omaha Insurance Company
• Mutual of Omaha Plaza
• Omaha, NE 68175
• mutualofomaha.com

Critical Illness policy/certificate
CI/CI1/CCI/CCI1 (in ID, CI-20145/CI1-20146 in
OR, CI-19913/CI1-19914 in TX, CI-19753/CI1-19754)
or state equivalent. This is a limited benefit
health policy/certificate. Exclusions,
limitations and reductions apply. Rates and
availability may vary by state.