1 Heart Disease and Stroke Statistics, 2020. American Heart Association. 2021
2 As defined in the policy. Excluding Accidental Death Benefit premiums paid, without interest and minus any claims paid, to your beneficiary upon death. If the sum of the benefits paid is equal to or greater than the sum of the premiums paid, there will be no return of premium. Return of Premium is not available in all states. With Critical Illness, your benefit amount will reduce by 50% at age 65. For an insured who is age 60 or older at issue, the 50% reduction of benefits will occur on the fifth anniversary of the policy date. The premium does not reduce.
Critical Illness insurance does not replace the need for health insurance.
Critical Illness and Critical Illness Plus Limited Benefit Policy series 0907-80 and 0907-80-U issued by The Western and Southern Life Insurance Company.
The Western and Southern Life Insurance Company, Cincinnati, Ohio, operates in DC and all states except AK, ME, MA, and NY.
Critical Illness coverage is not comprehensive health insurance coverage (often referred to as "Major Medical Coverage"). It does not satisfy the individual mandate of the Patient Protection and Affordable Care Act. It does not meet the requirements of minimum essential coverage as defined by federal law.
This policy contains exclusions, limitations, reduction of benefits and terms for keeping them in force. Product availability, benefits, coverage, exclusions and limitations may vary by state.
Life insurance policies contain certain exclusions, limitations, reductions of benefits and terms for keeping them in force. Please contact a financial representative for complete details.