CAIC

Lump SumPaid Directly to the Insured

• Employee coverage available up to $50,000
• Spouse coverage available up to $25,000

25% Child Benefit at No Additional Cost

• Each dependent child is covered at 25 percent ofthe primary insured amount

Additional Occurrence and Re-occurrence Benefits

• Full benefits paid for each occurrence

$50 Annual Health Screening Benefit

• Employee and spouse

Guarantee Issue

• Available for employee and spouse

Simplified Underwriting

• Answer three knock-out health questions

Same day coverage

• Coverage effective on application date

Portable Coverage

• Employees can keep coverage at same rates and benefits

Covered Critical Illnesses Benefit Percentage

• Internal Cancer 100%
• Heart Attack 100%
• Stroke 100%
• Major Organ Transplant 100%
• Renal Failure (End Stage) 100%
• Carcinoma in situ 25%
• Coronary Artery Bypass Surgery 25%

Optional Heart Rider Benefit Percentage

• Coronary Artery Bypass Surgery 100%
• Mitral Valve Replacement or repair 100%
• Aortic Valve Replacement or repair 100%
• Abdominal Aortic Aneurysm Surgery 100%
• Angio Jet Clot Busting 10%
• Balloon Angioplasty 10%
• Laser Angioplasty 10%
• Atherectomy 10%
• Stent Implantation 10%
• Cardiac Catheterization 10%
• Pacemakers 10%
• Cardioverter Defibrillator 10%