Qualifying Conditions

Critical Illness

If an eligible insured is diagnosed with a critical illness.

Covered critical illnesses may include:

  1. Invasive Cancer
  2. Heart Attack
  3. Stroke
  4. End-Stage Renal Failure
  5. Major Organ Transplant
  6. ALS
  7. Arterial Aneurysms
  8. Central Nervous System Tumors
  9. AIDS
  10. Severe Disease of Any Organ (Resulting in significantly altered life expectancy)
  11. Severe Central Nervous System Disease (Parkinson’s, Huntington’, Multiple Sclerosis, Encephalitis with long-term effects)

Chronic Illness

  • If an eligible insured is unable to perform 2 of 6 activities of daily living for a period of at least 90 days or requires constant supervision to protect from threats to health or safety due to severe cognitive impairment.
  • The ADL’s include bathing, continence, dressing, eating, toileting, and transferring.

Critical Accident

  1. Major Burns (>40% BSA, 3rd Degree)
  2. Blindness
  3. Major Multi-System Trauma (Major injury to three or more organs or systems)
  4. Loss of Limbs

Terminal Illness

  • If an eligible insured is diagnosed with an illness or condition that is expected to result n death within 12 months or less (24 other than FL, NY, CT)
  • Available on all rate classes


  • 24 month elimination period

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