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Overview
Critical Illness
The policy described above is not available in all states.
The policy contains certain limitations and exclusions, which may vary by state.
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LifeGuard Advantage
- Available from ages 20 to 70.
- Lump sum benefit amounts from $5,000 up to $100,000.
- Guaranteed Renewable for life (premiums subject to change by class)
- Covered conditions: life threatening cancer, heart attack, stroke, kidney failure, major organ transplant.
- Pays the full benefit amount you select on any one of the covered conditions upon your first ever diagnosis by a doctor.
- Pays a lump sum benefit amount directly to you for you to use for any purpose you wish.
- 30-90 day initial waiting period, depending on the condition. A benefit equal to 110% of your annual premium is paid if your first ever diagnosis of a covered condition occurs during these waiting periods.
- Benefits at age 65 reduce by 50%.
- Return of premium benefit option.
The policy contains certain limitations and exclusions, which may vary by state.
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