Critical Illness is a lump-sum cash benefit for individuals surviving a critical illness to help cover the cost of unexpected expenses related to an extended recovery period.

• The illness must first occur after the insured person’s coverage has become effective and while the coverage is in force under the policy.
• Cash benefits are paid directly to you to cover expenses that result from a serious illness.
• Cash benefits can be used for copays or coinsurance, rent mortgage, car payments, child care, and everyday living expenses.