Critical Cash™

If you were diagnosed next week, where would the money come from?

If you were diagnosed with a critical illness such as cancer, a heart attack, stroke, Alzheimer’s disease or kidney failure, how would you manage the financial impact?

Advances in medical technology help people survive critical illnesses. However, the costs of fighting these illnesses or keeping up with everyday bills can be more than many families are prepared to deal with.

Help bridge the financial gap between what your existing medical insurance covers and the additional expenses associated with certain critical illnesses. A qualifying cash payment can be used at your discretion to help pay for:

• Medical copayments and deductibles
• Prescription drug copayments
• Mortgage and rent payments
• Utility payments and other household bills
• Out-of-network treatments
• Childcare bills
• Car payments
• Travel to treatment centers

Note: Critical Care Insurance does not replace your current medical insurance. It provides supplemental cash benefits for covered conditions, with a lump-sum base-benefit payment option subject to policy terms.

Benefits are paid directly to you upon proof of a covered diagnosis, regardless of actual expenses or other insurance. Medical bills and expense receipts are not required to determine the cash benefit; claim documentation and the policy’s diagnosis requirements still apply.

FIRST-DAY CASH BENEFITS MEAN NO SURPRISES AT CLAIM TIME.

We simply need proof of diagnosis.

• Use cash for absolutely anything you desire
• No elimination periods
• Pays regardless of other insurance
• Full cash benefits paid regardless of actual expenses—no receipts
• Multiple claim potential
• Benefits paid even if you get better or pass away
• Guaranteed renewable for as long as you live

A covered diagnosis must meet policy definitions and claim-documentation requirements. “First-day” benefits and no elimination period do not remove the initial waiting period—30 days in most states. Multiple claims are subject to restoration rules and the lifetime maximum. Payment continuation after recovery or death follows contract terms. Guaranteed renewability does not guarantee level premiums.

Three plan options

Issue ages: 18–84. A condition must meet the issued policy’s definition; a diagnosis name alone does not establish eligibility.

*Cancer in situ, heart attack and coma have a three-month benefit period regardless of the selected period. Coronary artery bypass surgery has a two-month benefit period.

Build the benefit around your needs

Facility benefit levels

Nursing home benefit selections range from $500 to $5,500 monthly in $250 increments. Assisted living pays 50% of the selected nursing home benefit. The combined base and nursing home monthly benefit may not exceed $6,000.

These are paired facility examples, not additions to every base level. For example, a $2,000 base benefit permits no more than a $4,000 nursing home benefit under the $6,000 combined cap.

How a claim could work

Waiting periods, restoration & riders

Features include guaranteed renewability for life, no coordination with other insurance, and continuation of applicable cash benefits if the insured recovers or dies. Review the issued contract for payment, beneficiary, premium and continuation provisions; guaranteed renewable does not mean guaranteed level premiums.

Facts To Consider

More than 75% of healthy individuals over the age of 40 will become critically ill at some point.

1 in 2 men and 1 in 3 women will develop cancer in their lifetime - 68% of cancer diagnoses overall are expected to survive at least 5 years.

Every 40 seconds someone in the U.S. suffers a stroke.

DID YOU KNOW

About 3 of every 5 personal bankruptcies in the U.S. are a direct result of overwhelming medical expenses - and 79% of these people had traditional health insurance.

You have the choice of receiving benefits on a monthly basis or as a single lump sum!

This plan is designed to pay cash benefits upon diagnosis of a covered condition. And no bills need to be submitted - benefits are paid regardless of actual expenses. We simply need proof of diagnosis

Historical context: the statistics above reproduce the supplied material’s wording. Its cited references are Health Care Reform Magazine (2014), American Cancer Society (2015), American Heart Association (2015), and a 2009 publication using 2007 bankruptcy data. These are not current estimates. The bankruptcy research concerns medical problems as contributors and does not establish that medical expenses alone directly caused all those bankruptcies. Base-benefit payment choices, diagnosis requirements and all policy limits apply; facility benefits require eligible care.

Tips To Consider

You can stack a Critical Cash Plan along with a Home Care Short Term plan. When the selected policies have no coordination-of-benefits provision that reduces payment, and you qualify under both plans’ benefit definitions at the same time, you can receive cash benefits from both at the same time!

Confirm the selected home care policy’s payment method, coordination provisions and combined-coverage limits. Each policy must independently satisfy its eligibility, waiting-period, claim and benefit-limit requirements; not every plan combination pays full cash benefits regardless of actual expenses.

Critical Cash Resources

Limited-benefit insurance underwritten by Guarantee Trust Life Insurance Company, policy series G1132 with rider series RG11HAS, RG11CAN, RG11NH and RG07ROP(D). Availability, underwriting, premiums, definitions, exclusions and benefits vary by state and policy form. This summary is educational, not a contract, quote or guarantee of payment. It does not replace major medical coverage or establish comprehensive long-term care coverage. This coverage may not be appropriate for Medicaid recipients. Current issued policy and rider terms control.