Critical Illness Benefit
You will receive 100% of your coverage amount or total premiums paid (whichever is higher), if you are diagnosed with any one of the 36 Critical Illnesses.
Diabetes-Related Disease Benefit
You will receive 50% of your coverage amount (which will then reduce your Critical Illness Benefit) if you are diagnosed with any one of the following covered Diabetes-related Diseases:
- Surgery for Type 2 Diabetic Retinopathy;
- Limb Amputation due to Type 2 Diabetic Complications; or
- Severe Diabetic Nephropathy resulting in Kidney Failure due to Type 2 Diabetic Complications
Compassionate Benefit Upon Death
Your family will receive a lump sum payment as shown in the Table of Benefits or cash value (whichever is higher), if you pass away during the term of this policy.
When your plan ends at age 80, you will receive 100% of your coverage amount.