Critical Illness Coverage

Based on a 10-year or 20-year term life policy with an Accelerated Benefit Rider,
Critical Illness Insurance provides a lump-sum cash payment up to 100% of your life
insurance benefit in the event you are diagnosed with a covered critical illness.
• Benefit options from $10,000 to $100,000
• No Medical Exams (simplified underwriting)
• A death benefit is paid if a critical illness does not occur.

The last thing you or your family need to worry about is money!

• Cancer
• Advanced Stage
• Early Stage Cancer
(25% of the accelerated benefit)
• Heart Attack
• Stroke
Also Covered…
• Advanced Alzheimer’s Disease • Kidney Failure (End-Stage Renal Disease)
• Major Organ Transplant Surgery • Paralysis
• Blindness • Severe Burns
• ALS (Amyotrophic Lateral Sclerosis • Terminal Illness
or Lou Gehrig’s Disease) • Advanced Multiple Sclerosis
• Occupational HIV Infection (25% of the accelerated benefit)
• Coronary Artery Bypass Surgery • Coronary Angioplasty
(25% of the accelerated benefit) (10% of the accelerated benefit)

This brochure presents general information about EMC National Life Company’s Critical Illness Insurance Policy form LP750 and rider form LP751 which may vary or be unavailable in some states. Premiums are guaranteed for one year and are subject to change after the first policy year. Any benefits paid under the Accelerated Benefit Rider are an advance of the policy death proceeds and will reduce or eliminate
the amount payable upon death. For specific information about all policy provisions, benefits, and limitations it is important that you read your policy or contact your agent. Unlike a death benefit, the critical illness accelerated cash benefit may be taxable. You should consult with a tax advisor to assess the tax impact
of the accelerated ben

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