Term Life with Living Benefits

Qualifying Critical Illness

The following critical illnesses or conditions are Qualifying Critical Illnesses under the rider:

• Major Heart Attack

• Coronary Artery Bypass

• Stroke

• Invasive Cancer

• Blood Cancers: Leukemia, Lymphoma, and Multiple Myeloma

• Major Organ Transplant

• End Stage Renal Failure

• Paralysis

• Coma

• Severe Burn

Qualifying Chronic Illness

To qualify as chronically ill, you must be certified by a Licensed Health Care Practitioner within the preceding 12-month period as:

• Unable to perform, without substantial assistance from another person, at least two Activities of Daily Living (ADLs) for a period of at least 90 consecutive days due to a loss of functional capacity; or

• Requires substantial supervision to protect such Insured Person from threats to health and safety due to Severe Cognitive Impairment.

ADLs: Bathing, Dressing, Toileting, Transferring, Continence, Eating.