Plan Features

The following plan features come with every LifeAdvance policy.

Flexible Term, Payment and Coverage Options

Choose from a variety of coverage and premium options to help meet your needs.

Illness Assist Benefit

• Provides you with a one time lump sum of 10% of the critical illness benefit up to $25,000.
• Payment of the illness assist benefit will not cause the policy to terminate or the critical illness benefit to be reduced by the payment of the illness assist benefit.
  
  The illness assist benefit is provided if you receive a written diagnosis for one of the following:

• Ductal breast cancer
• Early prostate cancer
• Superficial malignant melanoma or if you undergo coronary angioplasty

Surgery Advance

Provides you with an advance of up to $15,000 of your critical illness benefit if you’re diagnosed with a critical illness as defined in the policy and you require surgery as a result of the critical illness.

Guaranteed Premium

The premium for the basic policy and any optional benefit riders, except the Second Event Rider, is guaranteed for as long as the policy remains in force.

Charitable Donation

If a critical illness benefit becomes payable, we may make a $500 donation to an approved charity of your choice. The donation is made on a non-contractual basis and is paid above any benefit payable to you.