Critical illness source list
Aflac
www.aflac.com 888-861-0251
Product name Specified Health Event
Availability All except Massachusetts, New York, Vermont and Washington Minimum group no. 3 employees
Issue ages 18-70 payroll/18-64 direct
Payment of benefits All benefits are indemnity and paid to the policyholder directly, unless assigned otherwise. Payments First-Occurrence Benefit: $5,000 primary/spouse, $7,500 child.
Age restrictions Only issue age restrictions
Health restrictions Field underwritten, total of 10 questions.
AIG Domestic Accident &
Health, AIG Commercial
Insurance
www.aig.com 877-638-4244
Product name Group Critical Illness
Availability All except Connecticut, Montana, New York, Vermont and Washington Minimum group no. 10 lives
Issue ages 18-64 years.
Payment of benefits Lump sum is payable directly to the insured upon diagnosis with one of 14 conditions. Payments Lump sum is payable for first diagnosis.
Age restrictions Policy terminates at age 70. Benefit amount is reduced by 50% when insureds reach 65 years age. Health restrictions Guaranteed Issue benefit amount is $10,000. Amounts above that require Yes/No answers to sev-eral health questions (Simplified Issue).
AIG Employee
Benefit Solutions
www.aigebs.com 877-672-1647
Product name AIG Group CriticalCare Insurance
Availability All except Connecticut, Minnesota, New York and Washington Minimum group no. 10 enrolled employees (state variations apply)
Issue ages Employee and Spouse: age 18 to 69; Children: Under 19, to 23 if full-time student Payment of benefits
Lump-sum benefits payable to the employee: First diagnosis: payable upon initial covered diagno-sis. Additionial diagnosis: payable upon the diagnosis of subsequent covered critical illness for which benefits have not been paid.
Payments Benefit payments vary by plan.
Age restrictions Benefit reduces to 50% of the original face amount at age 70; coverage terminates at age 75 (Notapplicable in Georgia)
Health restrictions
Benefits are subject to the terms, conditions, and exclusions of the AIG Group CriticalCare insurance policy. State variations may apply. Benefits under this policy are not payable in connection with a pre-existing condition during the initial 12 consecutive months the insured person has been enrolled.
Allstate Workplace
Division
www.allstateatwork.com 800-694-3275
Product name New Lifeline Critical Illness
Availability All except Connecticut, Maryland, New Hampshire, New York, Vermont and Washington Minimum group no. None (Five apps. for payroll deduction)
Issue ages 18+ payroll only
Payment of benefits Lump sum paid directly to policyolder at diagnosis. Can be assigned.
Payments
Premium age banded at issue. Uni-sex, Tobacco/Non-tobacco. Composite rating also available. No decrease in benefit due to age. Multiple deduction modes available and electronic billing for employer. If family or single parent coveraged selected, all children within a family are covered (subject to age limits) at no additional premium per child.
Age restrictions Issue ages apply for age-banded rates.
Health restrictions 12 month pre-existing (varies); Guaranteed Issue if participation requirements met on initialenrollment, otherwise msut provide EOI. Three levels of underwriting depending on benefit level.
CAIC
www.caicworksite.com 803-461-4300
Product name Critical Illness
Availability All except Colorado, Connecticut, Minnesota, New Hampshire, North Dakota, Rhode Island and Washington Minimum group no. 25 Payors
Issue ages 18-69
Payment of benefits Lump Sum Payment Upon Diagnosis
Payments $5,000- $50,000
Age restrictions Benefits Reduce at age 70
Critical illness source list
Century Benefits Group
www.todaysmedicare.com 518-698-7477
Product name Medicare Plans
Availability California, Connecticut, Florida, Maine, Massachusetts, New Hampshire, New Jersey, New York,Pennsylvania, South Carolina, Tennessee and Texas Minimum group no. 2
Issue ages 64 and up
Payment of benefits Direct
Payments Direct
Age restrictions n/a Health restrictions None
Colonial Life & Accident
Insurance Co.
coloniallife.com 800-845-7330
Product name Critical Illness Availability All except Connecticut Minimum group no. 3
Issue ages 16 - 69 (in most states) Payment of benefits Idemnity, lump sum
Payments $5,000 - $50,000 ($1,000 increments) employee choice Age restrictions Benefit payment will reduce by 50% at age 75
Health restrictions $5,000 - $30,000 - 3 health questions including AIDS question $31,000 - $50,000 - 2 additionalquestion. If cancer option chosen - 2 additional health questions
Colorado Bankers Life
Insurance Co.
cbl-life.com 800-367-7814
Product name The Timber Ridge Series of Critical Illness Insurance Plans Availability All except Connecticut, New York and Vermont
Minimum group no. 3
Issue ages 18-64
Payment of benefits Lump Sum & Partial Benefits
Payments Face Amounts $10,000 - $250,000 Premiums modes - weekly, biweekly, semimonthly, quaterly,semiannual and annual Age restrictions None
Health restrictions History of cancer, heart diesease and insulin dependent. Diabetes not accepted.
Conseco Insurance Co.
www.conseco.com 888-266-6002
Product name Conseco Worksite Critical Illness Availability
All except California, Connecticut, Florida, Georgia, Idaho, Illinois, Maryland, Massachusetts, Minnesota, Mississippi, New Hampshire, New Jersey, New York, North Carolina, North Dakota, South Dakota, Tennessee, Vermont and Washington
Minimum group no. 5
Issue ages 18-69
Payment of benefits Upon diagnois of a covered critical illness Payments Lump-sum payments up to $70,000 Age restrictions None
Critical illness source list
Equitable Life & Casualty
www.equilife.com 800-352-5121
Product name Life Guard Availability
All except Alaska, California, Connecticut, Delaware, D.C., Florida, Georgia, Hawaii, Idaho, Louisiana, Maine, Maryland, Massachusetts, Minnesota, New Hampshire, New Jersey, New York, Pennsylvania, Rhode Island, South Dakota, Vermont, Virginia, Washington and Wisconsin Minimum group no. N/A
Issue ages 20-70
Payment of benefits Upon first diagnosis, pays a lump sum benefit directly to the policyowner for any purpose they wish.
Payments Continuous pay
Age restrictions Benefits reduce by 50% at age 65, or 5 years after purchase for applicants age 60 and older.
Health restrictions
If ever treated for any of the following a policy will not be issued: heart disease, heart bypass surgery, heart attack, stroke, TIA, internal cancer, mailignant melanoma, lymphoma, leukemia, Hodgkin's dis-ease, systemic lupus, Huntington's chorea, Lou Gehrig's disdis-ease, paraplegia/quadraplegia, multiple sclerosis, Crohn’s disease, elcerative colitis, kidney failure, HIV, AIDS or AIDS-relates complex and alcohol/drug abuse.
Fort Dearborn Life
Insurance Company
WWW.FDL-LIFE.COM 800-331-0512
Product name Critical illness
Availability All except California, Connecticut, Georgia, Idaho, Iowa,, Kentucky,, Minnesota, New Hampshire, NewYork, South Carolina and Washington Minimum group no. 2
Issue ages 20-90
Payment of benefits
Limited Benefit Policy; the benefit is paid as a one-time, lump sum if the insured undergoes a cov-ered Organ Transplant or is first diagnosed with a Heart Attack, Stroke, Life-Threatening Cancer, or Kidney Failure
Payments $5,000 increments up to $50,000
Age restrictions Benefits reduce: age 70..65% of benefit; age 75 - 45% of benefit; age 80 - 30% of benefit; age 85 -15% of benefit. Health restrictions Yes..
Guardian Life
www.guardianlife.com 888-278-4542
Product name Critical Illness Availability
Alabama, Alaska, Arizona, Arkansas, Colorado, Delaware, D.C., Georgia, Illinois, Indiana, Iowa, Kansas, Kentucky, Michigan, Missouri, Nebraska, New Mexico, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, Texas, Wisconsin and Wyoming
Minimum group no. 16
Issue ages We use attained age rating Payment of benefits Lump Sum
Payments Customized plans. Lump sum payments can reange from $5,000 to $50,000 Age restrictions Benefit reductions (but not exclusions) as age progresses
Health restrictions Guarantee Issue for 50+ lives, Simplified Underwriting to $25K, CI for less
EMC National Life Co.
www.emcnationallife.com 800-232-5818
Product name Worksite Critical Illness 3.0 (v2.0 or 1.0 in some states)
Availability All except Connecticut, Delaware, Maryland, Massachusetts, New Hampshire, New Jersey, NewYork, Pennsylvania and Vermont Minimum group no. Three
Issue ages 18-65
Payment of benefits Policy provides a lump-sum cash benefit upon diagnosis of a covered condition. Payments Available though payroll deduction.
Age restrictions Policy expires at age 70.
Critical illness source list
HealthPlan Services
www.Healthplan.com 800-545-6441
Product name Group and Individual Critical Illness
Availability All except Connecticut, Massachusetts, New Jersey and New York Minimum group no. 10
Issue ages 18-69 may vary by state Payment of benefits Directly to insured
Payments n/a
Age restrictions Reduction of benefits at age 70 Health restrictions Varies per state and group size
Humana Specialty
Benefits
www.humana.com/www. kmgamerica.com 800-635-4252, ext. 5956
Product name Critical Advantage Availability
Alabama Arizona, Arkansas, Colorado, Delaware, D.C., Georgia, Hawaii, Illinois, Iowa, Kansas, Louisiana, Massachusetts, Michigan, Mississippi, Missouri, Nebraska, North Carolina, Ohio, Oklahoma, Rhode Island, South Carolina, South Dakota, Texas, Virginia, West Virginia, Wisconsin and Wyoming Minimum group no. 5
Issue ages 18-69
Payment of benefits lump sum benefit
Payments Up to $50,000
Age restrictions May apply to some of the optional benefits Health restrictions 12-month waiting period for pre-existing conditions.
Harbor Insurance
Marketing Inc.
www.harborins.com 866-424-2167
Product name Critical Illness+
Availability All except Florida, Massachusetts, Minnesota, New York and Vermont Minimum group no. 5
Issue ages 18-69
Payment of benefits Lump-sum payment to insured at diagnosis of covered illness or procedure.
Payments The first premium is due on the issue date. Premiums will include rider premiums, if any.Premiums paid after the first premium are renewal premiums. Age restrictions See issue ages and renewal provisions.
Health restrictions
Company will not pay benefits for a specified critical illness caused by a preexisting condition unless the specified critical illness starts after the policy has been in force for 12 months from the issue date.
Harbor Insurance
Marketing Inc.
www.harborins.com 866-424-2167
Product name Simplified Critical Illness
Availability All except Connecticut, Maryland, New Hampshire, New Jersey, Virginia and Washington Minimum group no. Minimum for list-billing is three
Issue ages 18 through 59 (age last birthday)
Payment of benefits The benefit payment goes directly to you and may be used for anything you wish (e.g., medicalbills, mortgage or credit card payments, travel, experimental treatments, etc.) Payments Annual, semi-annual, quarterly, monthly bank draft and list bill
Age restrictions Guaranteed to age 75
Critical illness source list
The Critical Illness Coach
www.CriticalIllnessCoach.com 720-344-0312
Product name Critical Illness Plus
Availability All
Minimum group no. 10
Issue ages 18-64
Payment of benefits Can be accessed after a diagnosis of any of 12 conditions.
Payments Tax-free $$, sent to the policyholder, does not coordinate with any other health insurance coverage. Age restrictions 18-64
Health restrictions
Underwriting is required, Critical Illness coverage may also be added as a rider to Accident Expense Plus too, (where available)and then requires answering only 3 medical questions on App. This is an individual product tho, NOT a group product.
MHN Inc.
www.mhn.com 800-327-7526
Product name EAP and Managed Behavioral Healthcare
Availability All
Minimum group no. 50
Issue ages All
Payment of benefits Depends on plan
Payments Depends on plan
Age restrictions None Health restrictions None
Metropolitan Life
Insurance
www.metlife.com 908-253-2280
Product name Critical Illness Insurance
Availability All except Connecticut, Florida and Washington Minimum group no. 1,000
Issue ages True Group Coverage, therefore all ages as long as employee is actively at work Payment of benefits Lump sum
Payments $1,000 - $100,000
Age restrictions None
Health restrictions Underwriting varies by plan offering
Innovative Settlements,
formerly Fiedler Financial
www.Settlements101.com 415-925-1175
Product name Viatical Settlements, Life Settlements
Availability All
Minimum group no. 1 person
Issue ages any
Payment of benefits Tax Free - see below
Payments We arrange payments to life insurance policy sellers for the sale of their policy Age restrictions None
Critical illness source list
Transamerica Worksite
Marketing
www.transamericaworksite.com 866-TRANSAMERICA
Product name CriticalAssistance Plus
Availability All except Connecticut, Florida, Georgia, Indiana, Maryland, Massachusetts, Minnesota,Montana, New Jersey, New York, Tennessee, Utah and Vermont Minimum group no. 5 applications; GI down to 100
Issue ages 18 and up (may vary by states) Payment of benefits Directly to insured
Payments Payroll deduction
Age restrictions Issue ages apply; Must be actively at work Health restrictions
No benefits are provided during the first 12 months for any critical illness that has been diag-nosed, treated, or for which the covered person has incurred expense or has taken medication within 12 months prior to the effective date of such personís coverage
Trustmark Insurance
www.trustmarksolutions.com 800-840-4692
Product name Critical Illness Availability All except Connecticut Minimum group no. 100 eligible employees
Issue ages Employee/Spouse ages 18 - 70 Child ages 0 - 23 Payment of benefits Lump sum
Payments Upon first diagnosis of a covered condition Age restrictions No benefit reduction at any age
Health restrictions Contact carrier
United American
Insurance Co.
www.unitedamerican.com 972-529-5085
Product name HealthGuard
Availability All except Connecticut, Kentucky, Massachusetts, Minnesota, Montana, New Hampshire, New Jersey,New York and South Dakota Minimum group no. 10
Issue ages 18-64
Payment of benefits One Time Lump Sum For Fist Diagnosis Payments $10,000; 20,000; 30,000; 40,000 or 50,000. Age restrictions Benefits reduced 50% at age 65
Health restrictions
This Policy Does Not Cover: Any disease or injury involving the cardiovascular system except heart attack and stroke, transient Ischemic Attack, attacks of Vertebrobasilar Ischemia, Cerebral Symptoms due to Migraine ; Cerebral Injury Resulting from Trauma or Hypoxia; Vascular disease affecting the eye or optic nerve
Unum Group
www.unum.com 877-322-7222
Product name Specified Critical Illness Insurance Availability All except Connecticut
Minimum group no. 25 lives
Issue ages 17-69
Payment of benefits All conditions payable at 100% of the benefit amount except coronary artery bypass and carcino-ma in situ which are payable at 25%percent. Payments 100% of the benefit payable each for base conditions and cancer conditions
Age restrictions Benefits reduce by 50% @ age 70.
