Important Update: ICU Rider Discontinuation Effective 01/01/2025 – Act Now!

Effective January 1, 2025, the Intensive Care Unit (ICU) rider will be discontinued on the Critical Advantage portfolio.

This change will apply only to new business and will not affect any policies currently in force.

Transition Rules:

• As of December 1, 2024, the ICU Rider is no longer available on the e-Application for the Critical Advantage portfolio.
• Paper applications can still be processed with the ICU rider, but they must have a signed date no later than December 13, 2024, and must be received at the home office by December 20, 2024.
• All Critical Advantage applications with the ICU rider attached must be approved and placed on or before December 31, 2024.

Materials Update:
Marketing materials and applications (both paper and electronic) will reflect this change. E-applications were updated on December 1, 2024, and paper applications will be updated on Forms and Materials after December 13, 2024.