Enrollment Kit

CancerPlus - Critical Illness Insurance
COMPLETE BROCHURE (coming soon)

A critical illness can impact your family at any time.
It pays to be ready.

A recent study in Washington state found that compared to the general population, bankruptcy rates were nearly twice as high among cancer patients one year after diagnosis, and that the median time to bankruptcy was two and a half years after diagnosis.1 Critical Illness insurance can help you and your family prepare for the financial stress a critical illness can cause.

Understanding CancerPlus
CancerPlus is designed to come to the rescue of those budgetconscious families by helping pay the costs associated with the initial occurrence of a heart attack, stroke, cancer or other serious illness as defined in the policy.

You choose your benefit amount. Benefits are also available for your spouse and eligible children. If you elect dependent coverage, their benefit amount will be 50% of the benefit you elect.

Critical Illness Lump Sum Benefit
CancerPlus pays you a lump sum benefit equal to the amount you choose multiplied by the applicable percentage shown in the Schedule of Benefits upon the first ever occurrence of a covered critical illness within each category. If the benefit payment is less than 100% of the selected benefit amount, the policy pays another lump sum benefit amount upon the diagnosis of a different type of critical illness within the same category up to the limit per category. There is a lifetime maximum of three times the benefit amount you choose.

Issue Ages
Employee & Spouse: Age 18 and up (Through age 64 in CA)
Eligible Children: From birth through age 25

Additional Benefit Riders

Cancer
Benefit Rider
Recurrent Critical Illness
Benefit Rider
Occupational HIV
Benefit Rider
Accident Emergency
Treatment Benefit Rider
Wellness
Benefit Rider
Intensive Care
Benefit Rider
Initial Hospitalization for Accidental Bodily Injury
Benefit Rider
Quality of Life
Benefit Rider
Payments can be used to cover related expenses, medical or otherwise, including:
Hospital bills and other medical expenses
Child care or house-sitting for the family pet
Credit card payments and other household bills
Travel to out-of-town hospital or treatment facility
Deductibles,
co-pays and
non-medical expenses such as missed work and house-keeping

Custom Plan Design
Benefit Amount: Select coverage from $10,000 to $50,000 in increments of $5,000

Plan Categories Category Benefits
% of Benefit
Category 1 Heart Attack
100%
Stroke
100%
Heart Transplant
100%
Coronary Bypass Surgery
25%
Angioplasty/Stent
5%
Category 2
Major Organ Transplant (excluding heart)
100%
End-Stage Renal Failure
100%
Paralysis not due to Stroke – all 4 limbs
100%
Burns
100%
Coma
100%
Loss of Sight, Speech or Hearing
100%
Miscellaneous Diseases
100%
Paralysis not due to Stroke – less than 4 limbs
50%
Alzheimer’s Disease
30%
Category 3
Invasive Cancer
100%
Bone Marrow Transplant
100%
Carcinoma In Situ
25%
Prostate Cancer with TNM Classification of T1
25%
Skin Cancer
5%
Category 4 Occupational HIV Benefit Rider
100%

Plan
Benefit
Riders
Recurrent Critical Illness Benefit Rider
50%
Wellness Benefit Rider
$100

Benefit Payment Example
Benefit Amount Selected: $30,000 Effective date of coverage: 1/1/2012

First
Occurance of
Date
Benefit
Amount
Percentage
Payable
(per chart)
Benefit
Payable
Less Amount
Paid in
Categroy
Payout
Coronary Bypass Surgery
1/15/2012
$30,000
25%
$7,500
0
$7,500
Heart Attack
3/20/2012
$30,000
100%
$30,000
$7,500
$22,500
Alzheimer’s Disease
4/15/2013
$30,000
30%
$9,000
0
$9,000
Paralysis in all four limbs (Not due to stroke)
8/15/2013
$30,000
100%
$30,000
$9,000
$21,000
Invasive Cancer
2/15/2014
$30,000
100%
$30,000
0
$30,000

Total Benefit Paid Under this Coverage: (3 x Selected Benefit Amount) $90,000

1 Fred Hutchinson Cancer Research Center. “Bankruptcy rates among cancer patients increase along with survival time, study finds.” ScienceDaily, 6 Jun. 2011. Web. 5 Jul. 2011. Use of statistic does not imply endorsement.

Policy form series CPCI0400 and CCCI0400. Forms and form numbers may vary and this coverage may not be available in all jurisdictions. This is a brief summary of CriticalAssistance Advance, Critical Illness Insurance. Limitations and Exclusions apply. Refer to the policy, certificate and riders for complete details.