This benefit will pay a lump sum benefit amount for the First Ever Diagnosis by a Physician of one of the following covered conditions: Heart Attack, Stroke and Cancer. There is a 60-day waiting period before you are eligible to receive benefits and a 12-month pre-existing conditions limitation. The Critical Illness Benefits terminate on the earlier of the member's 65th birthday or when benefits have been paid. After age 65, members may continue in their AME and AD&D benefits, but they will no longer have access to the CI benefits.

In the event of the first diagnosis of a critical illness, Guarantee Trust Life will provide a lump-sum, cash benefit to help you pay your out-of-pocket expenses up to the benefit level you choose. If your medical bill is less than your chosen benefit level, you can use the leftover funds in any way you like. This plan pays benefits for the first diagnosis of covered illnesses.

Critical Illness Riders:

• Pays lump-sum benefit (ranging from 25% to 100%) upon the first diagnosis of a covered critical illness
• No deductible to satisfy
• No network restrictions
• Amount payable of primary maximum benefit is 50% for a spouse and 25% for a child

*See Disclosures and Terms