CancerCare Plus SERIES 5 Family Heritage CancerCare Plus SERIES 5

Variations This product may contain state specific variations Please consult your state-specific product brochure to verify the terms, conditions and coverage of this plan in your state

ROP – CancerCare Plus SERIES 5 No maximum age for ROP Single ROP period 100% of premiums are refunded after 20 years, less any claims paid 100% of premiums are refunded if you die (and your spouse dies if this is a Family or Couple policy) before your policy has been in force for 20 years After your return, your protection continues

CVL (55 & under) – SERIES 5 Cash Value begins building after 5 years in the plan Cash Value is paid after 25 years, or at age 65, whichever comes first When you reach your Cash Value maturity date, the First Occurrence Internal Cancer Benefit immediately triples

CVL (56 & over) – SERIES 5 Survivor Benefit returns your premium, minus claims, if you (and your spouse if Couples or Family coverage) die while the policy is in force On your 10 year policy anniversary date the First Occurrence Internal Cancer Benefit immediately triples

CancerCare Plus Series 5 Overview Plan pays benefits to the insured for the treatment of cancer Diagnosis lump sum benefit Hospitalization benefit Ambulance Wellness Surgery Second surgical opinion Reconstructive breast surgery Bone marrow benefits Chemotherapy and Radiation therapy Special treatments Hospice care Optional rider is also available for services incurred in an ICU Benefits and product series available will vary by state

First-Occurrence Benefits Paid one time per insured upon a confirmed diagnosis of internal cancer Breast and prostate cancer benefits are in addition to the internal cancer benefit Skin cancer benefit is in lieu of internal cancer benefit Elite Preferred Standard Internal $3,000 $2,000 $1,000 Breast Cancer $1,500 $500 Prostate Cancer Skin Cancer $900 $600 $300

Inpatient Benefits Benefit paid for each day of hospitalization for covered cancer treatment with no lifetime limits Charges for each ambulance trip (includes air transport) Payable for two one-way trips per hospitalization with no lifetime limit Elite Preferred Standard $450 $300 $150 Elite Preferred Standard $600 $400 $200

Protection Benefits Benefits paid up to the maximum for covered testing per calendar year including Mammography, Colonoscopy and Breast Ultrasound No lifetime limits except HPV and Tobacco Cessation Based on schedule listed in policy See brochure for complete list of covered tests Elite Preferred Standard $75-$150 $50-$100 $25-$50

Inpatient or Outpatient Benefits Elite Preferred Standard Surgery & Anesthesia (based on schedule) $300-$15,000 $200-$10,000 $100-$5,000 Second Surgical Opinion (up to) $600 $400 $200 Reconstructive Breast Surgery (2 per lifetime) $750 $500 $250 Prosthesis (up to lifetime max of) $3,000 $2,000 $1,000

Bone Marrow Benefits One time payment per insured, per benefit Donation benefit does not require donation to another insured Elite Preferred Standard Transplant $15,000 $10,000 $5,000 Insured Donor $3,000 $2,000 $1,000

Radiation and Chemotherapy Benefits Benefit paid for each day of radiation or chemotherapy delivered in a medical facility No lifetime limits Radiation planning (benefit is per day) Lifetime max applies per insured Elite Preferred Standard $300 $200 $100 Elite Preferred Standard Benefit $300 $200 $100 Lifetime Max $900 $600

Self-Administered Chemotherapy Benefit paid for prescriptions for self-administered chemotherapy Benefits are per week Payable in any week that the Radiation and Chemotherapy benefit is not paid Lifetime max applies per insured Elite Preferred Standard Benefit $240 $160 $80 Lifetime Max $30,000 $20,000 $10,000

Other Benefits Anti-nausea benefit payable while receiving radiation or chemotherapy Benefits are per person, per calendar year No lifetime max Elite Preferred Standard $750 $500 $250

Other Benefits Daily hospice care benefit Lifetime maximums apply per person Special treatment benefit paid for FDA approved treatments such as Hormone Therapy and Immunotherapy See brochure for full list Elite Preferred Standard Benefit $150 $100 $50 Lifetime Max $27,000 $18,000 $9,000 Elite Preferred Standard Lifetime Max $1,500 $1,000 $500

Click to edit Master title style Optional Intensive Care Unit Rider Click to edit Master title style

Variations This product may contain state specific variations Please consult your state-specific product brochure to verify the terms, conditions and coverage of this plan in your state

Benefits and product series available will vary by state Optional ICU Rider For each day of a covered hospitalization in an intensive care unit for any reason (not limited to cancer) 30 day maximum per hospitalization No lifetime max See brochure for definitions Elite Preferred Standard Primary/Spouse $900 $600 $300 Covered child $450 $150 Benefits and product series available will vary by state

Optional ICU Rider Step down unit benefit paid for each day of hospitalization in intermediate care unit of ICU Daily benefit is 50% of ICU benefit for all insureds 5 days maximum per hospitalization No lifetime max Vehicular accident benefit paid in addition for each day of ICU hospitalization Same benefit as regular ICU benefit 30 days per accident Benefit not payable for step down unit confinement No lifetime maximum

Optional ICU Rider Ambulance benefit paid for transportation to ICU or Step Down Unit with no lifetime maximum Accidental death benefit paid for injuries resulting in death within 180 days of the accident Elite Preferred Standard Ground (up to) $600 $400 $200 Air (up to) $1,500 $1,000 $500 Elite Preferred Standard Primary/Spouse $15,000 $10,000 $5,000 Covered child $7,500 $2,500

Transportation Benefits The transportation benefits will pay for the confined insured and one family member when facility is more than 80 miles from home No lifetime max For a confined child, the plan will pay an additional transportation benefit for both parents *Mileage will only be paid to the confined or family member, not both Elite Preferred Standard Plane, train or bus (round trip) $2,250 $1,500 $750 *Personal auto per mile .60 .40 .20

Lodging Benefit For immediate family member requiring lodging while insured is hospital confined Must be more than 80 miles from insured’s home Benefits are per day up to 60 days No lifetime maximum Elite Preferred Standard $75 $50 $25