1. Critical Illness Insurance
[Company Name] 2013
What if you had a critical illness tomorrow? 1

2. Critical Illness Insurance
Let’s Face It
Very few people are financially prepared to survive a critical illness. Without even looking at the statistics, you know that heart attacks, cancer and strokes happen to people every day.
What Can Help?
There’s a new way to plan for recovery and help protect your lifestyle. It’s Critical Illness insurance. Critical Illness insurance provides a substantial cash benefit upon the first diagnosis of a covered condition to help protect you from the associated costs. Your benefit can be used any way you and your family choose. And, your benefit is paid in full regardless of any other insurance you may have in force.
Risks are real Financial risk • More than 50% of all personal bankruptcies in America are due to critical illness1 • Out-of-pocket medical expenses for Cancer average $35,0001 • How would a critical illness affect you financially?
UNIVERSAL LIFE
1 Harvard Study, Illness and Injury as Contributors to Bankruptcy, February 2005

3. Critical Illness Insurance
First Diagnosis It is important you understand the meaning of first diagnosis. Most states define eligibility as first diagnosis. First diagnosis means the first time a physician identifies a covered condition from its signs or symptoms. If you’ve been diagnosed with a covered condition prior to having coverage, you may not be eligible for a benefit for that condition.
Risks are real Health risk • One of every three Americans will contract cancer.3 • Every 29 seconds someone suffers a coronary event.4 • Every 53 seconds someone suffers a stroke.4
UNIVERSAL LIFE
3 American Cancer Society, American Heart Association, 2012 Update

4. Critical Illness Insurance
How can your Critical Illness insurance benefits be used?
Your benefits provide security for many expenses not covered by medical insurance such as: • Rent or mortgage payment • Medical insurance copays and deductibles • Family income replacement during recuperation • College tuition • Experimental treatment or drugs • Childcare and housekeeping expenses

5. Critical Illness Insurance
Product Benefits

6. Critical Illness Insurance
Critical Illness with Cancer
Covered conditions
ALS (Lou Gehrig’s disease)
Major organ transplant
Paralysis of at least two Limbs
Coronary artery by-pass surgery (25%)*
Carcinoma in situ (25%)*
Invasive cancer
Heart attack
Stroke
Occupational HIV
Renal (kidney) failure
Blindness
Remove Occupational HIV if not included on case
*If the insured receives the 25% benefit for coronary artery by-pass surgery or carcinoma in situ, the remaining benefit will be available for a first diagnosis of another covered condition, or subsequent benefit if included.
Most skin cancer is excluded.
(Covered illnesses may vary by state.)

7. Critical Illness Insurance
Critical Illness only
Covered conditions
ALS (Lou Gehrig’s disease)
Major organ transplant
Paralysis of at least two Limbs
Coronary artery by-pass surgery (25%)*
Heart attack
Stroke
Occupational HIV
Renal (kidney) failure
Blindness
Remove Occupational HIV if not included on case
*If the insured receives the 25% benefit for coronary artery by-pass surgery, the remaining benefit will be available for a first diagnosis of another covered condition, or subsequent benefit if included.
(Covered illnesses may vary by state.)

8. Critical Illness Insurance
Cancer only
Covered conditions
Invasive cancer
Carcinoma in situ (25%)*
*If the insured receives the 25% benefit for carcinoma in situ, the remaining 75% benefit will be available for a first diagnosis of another invasive cancer. Most skin cancer is excluded.
(Covered conditions may vary by state.)

9. Critical Illness Insurance
Critical Illness with Cancer / New York
Covered conditions -- NY
ALS (Lou Gehrig’s disease)
Major organ transplant
Coronary artery obstruction (25%)*
Carcinoma in situ (25%)*
Invasive cancer
Heart attack
Stroke
Occupational HIV
Renal (kidney) failure
Remove Occupational HIV if not included on case
Special one-time $250 benefit for:
Transient Ischemic Attack (TIA), Reversible Ischemic Neurologic Deficit (RIND), Skin Cancer
*If the insured receives the 25% benefit for coronary artery obstruction, carcinoma in situ, or the skin cancer, RIND or TIA benefit, the remaining benefit will be available for diagnosis of another covered condition, or subsequent benefit if included.

10. Critical Illness Insurance
Critical Illness only - New York
Covered conditions - NY
ALS (Lou Gehrig’s disease)
Major organ transplant
Coronary artery obstruction (25%)*
Heart attack
Stroke
Occupational HIV
Renal (kidney) failure
Remove Occupational HIV if not included on case
Special one time $250 benefit for:
Transient Ischemic Attack Benefit (TIA), Reversible Ischemic Neurologic Deficit Benefit (RIND)
*If the insured receives the 25% benefit for coronary artery obstruction, or the RIND or TIA benefit, the remaining benefit will be available for diagnosis of another covered condition, or subsequent benefit if included.

11. Critical Illness Insurance
Cancer only – New York
Covered conditions - NY
Invasive cancer
Carcinoma in situ (25%)*
Special one time $250 benefit for:
Skin Cancer Benefit
*If the insured receives the 25% benefit for carcinoma in situ, or the skin cancer benefit, the remaining 75% benefit will be available for a first diagnosis of another invasive cancer.

12. Critical Illness Insurance
Double Benefit
What happens if you experience a second covered condition?
With Double Benefit, you can receive a second cash payment equal to the first.
The second illness must be a different covered condition than the first and must occur at least six months later.
UNIVERSAL LIFE
Not Available On Cancer Only Plans (Not Approved in SD, Available on Combo Plans Only in GA)

13. Critical Illness Insurance
Subsequent condition benefit*
Pays a lump-sum cash payment when you are diagnosed with any and every covered condition included in your policy.
There are no limits to the number of payouts for each insured family member and no reduction in payouts for later-diagnosed conditions.
(Coronary artery bypass surgery and carcinoma in situ are limited to one payout for each condition, which will not reduce any subsequent benefits.)
How it adds up
Example: $50,000 Critical Illness Policy
Initial Benefit
Heart attack diagnosis: $50,000
Subsequent Benefits
Stroke diagnosis: $50,000
Major organ transplant: $50,000
Total Payout $150,000
UNIVERSAL LIFE
*Separation periods between diagnoses may apply. Not available in all states. Except in NH, the Double Benefit rider will be offered in states where the Subsequent Condition Benefit riders are not available.

14. Critical Illness Insurance
Subsequent condition benefit with a recurring condition*
Pays a lump-sum cash payment when you are diagnosed with any and every covered condition included in your policy.
There are no limits to the number of payouts for each insured family member and no reduction in payouts for later-diagnosed conditions.
Benefits are also payable for recurrence of the same covered condition previously paid under the contract, except for cancer, carcinoma in situ or coronary artery bypass.
How it adds up
Example: $50,000 Critical Illness Policy
Initial Benefit
Heart attack diagnosis: $50,000
Subsequent Benefit
Stroke diagnosis: $50,000
Recurring Benefit
Total Payout $150,000
UNIVERSAL LIFE
*Separation periods between diagnoses may apply. Not available in all states. Except in NH, the Double Benefit rider will be offered in states where the Subsequent Condition Benefit riders are not available.

15. Critical Illness Insurance
Subsequent condition benefit with a recurring condition, including cancer*
Pays a lump-sum cash payment when you are diagnosed with any and every covered condition included in your policy.
There are no limits to the number of payouts for each insured family member and no reduction in payouts for later-diagnosed conditions.
Benefits are also payable for recurrence of the same covered condition previously paid under the contract, except for carcinoma in situ or coronary artery bypass.
How it adds up
Example: $50,000 Critical Illness Policy
Initial Benefit
Invasive cancer diagnosis: $50,000
Subsequent Benefit
Stroke diagnosis: $50,000
Recurring Benefit
Total Payout $150,000
UNIVERSAL LIFE
*Separation periods between diagnoses may apply. Not available in all states. Except in NH, the Double Benefit rider will be offered in states where the Subsequent Condition Benefit riders are not available.

16. Critical Illness Insurance
Health Screening Benefit Pays the cost of one screening test per calendar year ($50 or $100) for each insured. Some of the many screening tests covered include:
Low dose mammography
Stress test
Pap smear (women over 18)
Colonoscopy
Serum cholesterol
Bone marrow
Prostate specific antigen
Chest X-ray

17. Critical Illness Insurance
Waiver of Premium
Waives your premiums if you are totally disabled.
Waiting period and issue age limits apply.
Not Approved in NY or GA

18. Critical Illness Insurance
EZ Value Option
EZ Value –
Raises your coverage automatically without additional underwriting.
(Not available in CT, NH, NY or UT)

19. Critical Illness Insurance
Occupational HIV Benefit Rider
Provides lump-sum cash payment in the event covered person contracts HIV at work.
Benefit is the same as the base benefit amount
HIV must be contracted by a needle stick, sharp injury or mucus membrane exposure at work.
An initial test must be within five days of the accident.
The infection must be found within 12 months of the accident.
Not Approved in NY or GA

20. Critical Illness Insurance
This benefit empowers an insured who is critically ill by providing access to the right medical information and expertise.
Comprehensive review of medical records and treatment recommendations by world-class experts and physicians
Local and national referral to top specialized medical experts
A personal advocate to assist with determining the best care provider for your medical needs as well as providing guidance to navigate the healthcare system
Not Approved in NY or GA

21. Critical Illness Insurance
Built-in Features
Guaranteed Renewable – Active coverage for life, as long as premiums are paid.
Complete Portability – Take your policy with you. It’s
yours to keep even if you change jobs or retire.
Level Premiums – Rates do not increase as you age.
Hospitalization or Treatment is Not Required – To receive benefit payment after diagnosis.
Convenient Payroll Deduction – No bills to watch for
and no checks to mail.

22. Critical Illness Insurance
Built-in Features
Family Coverage
Insure yourself, your spouse, your children and financially dependent grandchildren.
Spouse and children same benefit as employee
Spouse benefit 50% of employee’s benefit
Spouse benefit 25% of employee’s benefit
Children’s benefit 50% of employee’s benefit
Children’s benefit 25% of employee’s benefit
Children’s benefit 10% of employee’s benefit
Use spouse/child benefits that match case

23. Critical Illness Insurance
Limitations and Exclusions
Pre-existing Condition Limitation. In most states no benefit will be paid for any condition which begins in the
first 12 months after the coverage effective date, if such condition is caused by or results from a pre-existing
condition. A pre-existing condition is generally defined as a sickness or injury for which medical care, diagnosis or
advice was received or recommended, or the existence of symptoms which would have caused an ordinarily prudent person to seek medical care, treatment, diagnosis or advice during the 12 months immediately prior to the coverage effective date.
AK, AL, AR, AZ, CA, CO, DE, FL, IA, ID, KS, LA, MD, MI, MN, MO, MS, NC, ND, NE, NH, NJ, NV, OH, OK, RI, SD, TN, TX, VA, VT, WA, WI, WV, WY

24. Critical Illness Insurance
Limitations and Exclusions -- IL
Pre-existing Condition Limitation. In IL there is no pre-existing condition for sickness or injury that applies to this plan.
DC, GA, HI, IL, KY, MA, PA, SC

25. Critical Illness Insurance
Limitations and Exclusions -- NY
Pre-existing Condition Limitation. In NY no benefit will be paid for any condition which begins in the first six months after the coverage effective date, if such condition is caused by or results from a pre-existing condition. A pre-existing condition is generally defined as a sickness or injury for which medical care, diagnosis or advice was received or recommended, or the existence of symptoms which would have caused an ordinarily prudent person to seek medical care, treatment, diagnosis or advice during the six months immediately prior to the coverage effective date.
ME, NY, OR, UT

26. Critical Illness Insurance
Limitations and Exclusions -- IN
Pre-existing Condition Limitation. In IN the Benefits or Partial Benefits provided to an eligible Covered Person may not be excluded, limited, or denied for more than nine months after the effective date because of a pre-existing condition of the Covered Person. For Late Enrollees, no Benefit Amount or Partial Benefit Amount will be paid for any condition caused by or resulting from a Pre-existing Condition for not more than 15 months from the date the Late Enrollee enrolls for coverage.

27. Critical Illness Insurance
Limitations and Exclusions -- MT
Pre-existing Condition Limitation. In MT no benefit will be paid for any condition which begins in the first six months after the coverage effective date, if such condition is caused by or results from a pre-existing condition. A pre-existing condition is generally defined as a sickness or injury for which medical care, diagnosis or advice was received or recommended, or the existence of symptoms which would have caused an ordinarily prudent person to seek medical care, treatment, diagnosis or advice during the 12 months immediately prior to the coverage effective date.

28. Critical Illness Insurance
Limitations and Exclusions -- NM
Pre-existing Condition Limitation. In NM no benefit will be paid for any condition which begins in the first 12 months after the coverage effective date, if such condition is caused by or results from a pre-existing condition. A pre-existing condition is generally defined as a sickness or injury for which medical care, diagnosis or advice was received or recommended, or the existence of symptoms which would have caused an ordinarily prudent person to seek medical care, treatment, diagnosis or advice during the six months immediately prior to the coverage effective date.

29. Critical Illness Insurance
For more details, contact your Trustmark representative today.
This provides a brief description of your benefits and is not a contract. This is limited benefit coverage and should not replace existing basic medical coverage. Benefits, exclusions and limitations may vary by state.
See Plan CACI and HS-12000/R for your state for exact terms and provisions.