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Critical Illness
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provides a large infusion of capital when the insured needs it most; to cover treatment and recuperation costs, replace lost income, and preserve wealth and possessions created over the years
   
in most cases, 30 days after being diagnosed as having suffered ANY ONE of the illnesses or conditions covered by the policy, a LUMP SUM BENEFIT is paid, TAX-FREE - regardless of severity of the illness or condition, degree of disability, or ability to work and once again live a normal life
   
the lump sum benefit can be used entirely as the policy owner chooses
   
should the insured not survive the 30 day elimination (waiting) period after suffering a critical illness, all premiums ever paid are returned to the policy’s designated beneficiary
   
claims are not subject to interpretation and ongoing qualifications; instead, benefits are promptly paid when the clearly defined conditions are met.