Optional Riders Enhance the Critical Advantage Portfolio

The Critical Advantage Portfolio includes three products with numerous price points and options to fit almost any situation or budget. The portfolio also provides optional riders that are available at the time of issue for additional premium.

• Cancer – Pays a lump-sum benefit upon diagnosis of cancer (internal cancer or malignant melanoma).
• Heart Attack & Stroke – Pays a lump-sum benefit upon diagnosis of heart attack or stroke or the performance of coronary angioplasty surgery or coronary artery bypass surgery.
• Intensive Care Unit – Pays a daily room benefit for each day of confinement in an intensive care unit of a hospital as the result of a sickness or injury.
• Cash Value – Provides a percentage of all premiums paid for the policy and all riders, minus the amount of any benefits paid in claims for all insured persons.

To view all the details for the available riders, including state availability, view the Critical Advantage Portfolio Product and Underwriting Guide.