Critical Illness Features and Benefits—(Non-NY)

Covered Illnesses for Insured and Spouse:

  • Benign Brain Tumor
  • Cancer
  • Coronary Artery Disease
  • End Stage Renal Failure
  • Heart Attack (Myocardial Infarction)
  • Major Organ Failure
  • Stroke
  • Traumatic Brain Injury

Covered Illnesses for Children:

  • Cancer
  • Cerebral Palsy
  • Cystic Fibrosis
  • Muscular Dystrophy
  • Sickle Cell Anemia
  • Traumatic Brain Injury
  • Type 1 Diabetes

(Covered Illness for Children n/a in NY)

Critical Illness Insurance Features:

  • Critical Illness Lump Sum—benefit amounts from $5,000 to $50,000
  • Cash Benefits—Paid directly to insured to use as they choose
  • Guarantee Issue—up to $15,000 subject to 15% participation
  • Coverage for Family—insured, spouse and dependent child(ren)
  • Issue Age—up to age 69 for insured and age 26 for dependent
  • Benefit Amounts—50% of primary insured’s benefit amount for spouse and 25% for dependent child
  • Health Screening Benefit—$50 per calendar year for insured and insured spouse
  • Portable—no change in cost or coverage
  • Guaranteed Renewable—Coverage remains in force for life as long as premiums are paid
  • Level Premium—Rates do not adjust as insured ages
  • Additional Occurrence Benefit—if diagnosed with another covered critical illness separated by 6 months, the total lump sum benefit is payable again
  • Recurrence Benefit—If insured has a recurrence of the same critical illness separated by 12 months, the lump sum benefit is payable again. Limitations apply.
  • Maximum Benefit Amount—three (3) times the face amount
  • Face Amount reduces by 50% after age 70
  • Pre-Existing Condition Clause—12 months

Policy Form AMICIP-13*
*Features & form numbers may vary by state.

CRITICAL ILLNESS BENEFIT
(Applicable to Insured and Insured Spouse)
BENEFIT AMOUNT
Benign Brain Tumor 100% of Face Amount
Cancer:
Invasive Cancer
Carcinoma in situ
Skin Cancer

100% of Face Amount
25% of Face Amount
$250
Coronary Artery Disease:
Bypass Surgery
Angioplasty

25% of Face Amount
10% of Face Amount
End Stage Renal Failure 100% of Face Amount
Heart Attack (Myocardial Infarction) 100% of Face Amount
Major Organ Failure 100% of Face Amount
Stroke 100% of Face Amount
Traumatic Brain Injury 100% of Face Amount
Health Screening Benefit
Insured
Spouse

$50 Once Per Calendar Year
$50 Once Per Calendar Year
Face Amount for Spouse 50% of Face Amount for Named Insured
CRITICAL ILLNESS BENEFIT
(Applicable to Insured Children)
BENEFIT AMOUNT
Cancer:
Invasive Cancer
Carcinoma in situ
Skin Cancer

100% of Face Amount
25% of Face Amount
$250
Cerebral Palsy 100% of Face Amount
Cystic Fibrosis 100% of Face Amount
Muscular Dystrophy 100% of Face Amount
Sickle Cell Anemia 100% of Face Amount
Traumatic Brain Injury 100% of Face Amount
Type 1 Diabetes 100% of Face Amount
Face Amount for Dependent Child 25% of Face Amount for Named Insured

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