INSURANCE FOR LIFE-THREATENING DISEASES & AILMENTS

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INSURANCE FOR LIFE-THREATENING DISEASES AILMENTS
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• Preparing for Critical Illness
• Facing a critical illness is never easy, and it
  can take its toll emotionally, physically, and
  financially. While you focus on getting better,
  make sure that your family is taken care of with
  a critical illness or specific disease policy.
  With our lump sum plans, you can feel more at
  ease and ready for anything that may come.

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• Critical Illness Policies Benefits
• Being diagnosed with a life-threatening illness
  can be a very scary time. There is so much
  uncertainty. But you can be 100 confident in
  your financial future with our policies for
  critical illness. The payouts for these plans can
  be used for a variety of expenses, including but
  not limited to treatments that are not covered by
  your medical policy, deductibles, and household
  bills. You have complete discretion to use these
  funds as you see fit.

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• CRITICAL ILLNESS IS PAID IN TWO CATEGORIES
• Category One Benefits
• Pays 100 of Policy Value
• Cancer (Internal Cancer) Stage 3 or Higher
• Excludes pre-malignant conditions or conditions
  with malignant potential CIN stage I and II,
  carcinoma in-Situ and Skin Cancer.

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• 
  Pays 25 of Policy Value
• 
  Non-Invasive Carcinoma In Situ
  (Stage 0-2)
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  Policy does not pay for skin
  cancer

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• Category Two Benefits
• 100
• Heart Attack
• Stroke Pays
• End-Stage Renal Failure
• Organ Transplant (Heart, lung, liver, and
  pancreas)
• 50
• Organ Transplant (Kidney)

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• 40
• Pacemaker Implant - Double Chamber
• 30
• Pacemaker Implant - Single Chamber
• 25
• Coronary Artery Bypass (Only once in a lifetime)
• 10
• Angioplasty

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• The benefits listed above can be used at your
  discretion once the illness has been diagnosed.
  Expenses such as deductibles, household bills,
  and treatment not covered by your medical policy
  are a few options. Your money - your choice!
• SPECIFIED DISEASE INSURANCE
• With advances in medical technology, we have a
  better idea of what types of conditions and
  diseases we are at risk for. When we know what
  diseases and ailments to expect, we are better
  able to prepare for the future. With Specified
  Disease Insurance, you are able to plan for a
  specific diagnosis. This policy gives you a
  proactive option to handling costly medical
  expenses that are associated with a specific
  disease or a group of diseases.

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• As an example, we have a policy that is
  specifically designed for those who are at high
  risk of having a stroke. With this program, you
  will have benefits paid for all hospital stays,
  physical therapy, and more. You and your family
  will not have to worry about finances while you
  are taking the time you need to recover
• Covered Conditions and Procedures
• AMPUTATION
• ALS
• ANGIOPLASTY
• CANCER/INTERNAL CANCER
• CORONARY ARTERY BYPASS SURGERY
• END STAGE RENAL FAILURE

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• HEART ATTACK
• END STAGE RENAL FAILURE
• HEART VALVE SURGERY
• JOINT REPLACEMENT
• MAJOR ORGAN FAILURE / MAJOR ORGAN TRANSPLANT
• PACEMAKER / DEFIBRILLATOR
• RUPTURED ANEURYSM
• STROKE