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					Critical Illness Insurance


        Critical Illness Insurance
The coverage that pays you for living


 Critical Illness policy/certificate CI/CI1/CCI/CCI1 (in ID, CI-20145/CI1-20146; in OR, CI-19913/CI1-
19914; in TX, CI-19753/CI1-19754) or state equivalent. This is a limited benefit health policy/certificate.
         Exclusions, limitations and reductions apply. Rates and availability may vary by state.
AFN30148_0903
Critical Illness Insurance
Due to medical advancements
• People live longer
   • Average Life Expectancy1
   • 1901 - 47.3 years
   • 2001 - 77.2 years




                         1   National Center for Health Statistics, 2002
Critical Illness Insurance
Due to medical advancements
• More critical illnesses are diagnosed in the
 United States
 • More than 1.3 million new cancer cases are
    expected to be diagnosed in 20031
  • Every 29 seconds someone suffers a coronary
    event2
  • Every 45 seconds someone suffers a stroke2
                                 1   2003 Cancer Facts & Figures, American Cancer Society
          2   Heart Disease & Stroke Statistics - 2003 Update; American Heart Association
Critical Illness Insurance
Due to medical advancements
• Also consider your lifestyle
  • Today, we
   • Eat a lot of fast food
   • Drink more
   • Smoke more
   • Work more
   • Rush around
    This all adds up to more stress!
Critical Illness Insurance
Due to medical advancements
• People survive more critical illnesses
   • The 5-year relative survival rate for all cancers
    combined is 62%1
  • The 1-year heart attack survival rate is 75%2
  • The 1-year stroke survival rate is 78%2


                                  1   2003 Cancer Facts & Figures, American Cancer Society
           2   Heart Disease & Stroke Statistics - 2003 Update; American Heart Association
Critical Illness Insurance
Due to medical advancements
• Survival has a price
   • Costs like:
   • Loss of income
   • Home modifications
   • Experimental treatment
   • Child care, housekeeping and other domestic
     assistance
   • Transportation and lodging for family members
     and loved ones during treatment
Critical Illness Insurance


   Critical Illness insurance
    meets a need not met by
   traditional products…the
       price of survival.
Critical Illness Insurance




    What is Critical Illness
         Insurance?
Critical Illness Insurance
What is Critical Illness Insurance?
• Developed by Dr. Marius Barnard in 1983
• Critical Illness provides you with a tax-free1
 lump-sum cash benefit when you’re diagnosed2
 with one of the covered conditions providing
 you
 Financial independence when you need it most
                               1   According to current tax laws. Consult your tax advisor.
               2   As defined by the policy/certificate. Exclusions and limitations apply.
Critical Illness Insurance
How do I use the cash benefit payment?
• Critical Illness insurance is all about personal
 choice…you may use the cash benefit payment
 on

                Anything you wish
Critical Illness Insurance

     You may be thinking
  “I already have health and
 disability insurance, so why
        do I need this?”
Critical Illness Insurance
Traditional insurance won’t cover all the
expenses related to a critical illness
• Medical Insurance
  • Pays for doctor visits and prescription drugs
• Disability Insurance
  • Pays a portion of income during a period of
   covered disability
• Life Insurance
  • Pays a beneficiary upon death
Critical Illness Insurance
Who do you know who’s had:
• …cancer
• …a heart attack
• …a stroke


            Who planned to be on that list?
Critical Illness Insurance

Now think about what a difference
  a cash payment of $25,000,
 $100,000 or more would have
 made to each person when their
   condition was diagnosed.
  What difference would it make in your life?
Critical Illness Insurance
What events may impact or change your life?

Event                                 Are you Insured?
Stolen vehicle                        _______________
Home fire                             _______________
Home flood                            _______________
Death                                 _______________
Diagnosis of heart attack or cancer   _______________
Critical Illness Insurance




     It’s not someone else.
 A Critical Illness Survivor’s Story
Critical Illness Insurance



   Critical Illness Insurance
    from Mutual of Omaha
      Insurance Company
Critical Illness Insurance
Mutual of Omaha’s Critical Illness Insurance
• Pays 100% of your maximum benefit amount
  when you’re diagnosed1 with:
• Life-Threatening Cancer    • Multiple Sclerosis

• Heart Attack               • Paralysis

• Stroke                     • Renal (kidney) failure

• Alzheimer’s Disease        • Blindness

• Major Organ Transplant -   • Deafness
  when registered with
  United Network of Organ         1   As defined by the policy/certificate
  Sharing (UNOS)
Critical Illness Insurance
Mutual of Omaha’s Critical Illness Insurance
• Pays 25% of your maximum benefit amount
  when you’re diagnosed1 with:
• First Carcinoma in Situ
• First Coronary Angioplasty
• First Coronary Bypass Surgery




                                  1   As defined by the policy/certificate
Critical Illness Insurance

  If 25% of policy benefit
amount is paid, your policy
  still continues at a 75%
benefit amount - with a 25%
     premium reduction
Critical Illness Insurance
Return of Premium Feature1
• You’ll receive the lump-sum benefit upon
 diagnosis, or if you die while this coverage is in
 force, your beneficiary or your estate will
 receive either:
  • All paid premiums less benefits received; or
  • Nothing, if the benefits paid are equal to or
   greater than the premiums paid

                   1   As defined by the policy/certificate. Not available in Florida.
Critical Illness Insurance
Return of Premium Feature1
• In Georgia, if you die while this coverage is in
 force, your beneficiary or your estate will
 receive an amount equal to or less of:
  • Return of premium; or
  • The maximum benefit amount in force at the time
   of death


                                       1   As defined by the policy
Critical Illness Insurance
Reduction of Benefits
• The maximum benefit amount will be reduced
 by 50% at age 65 or 5 years after the issue date
 if the insured is age 60 or older at
 policy/certificate issue
  • If the policy/certificate or certain riders pay a
   portion of the maximum benefit amount, your
   maximum benefit amount and premium will be
   reduced accordingly
Critical Illness Insurance




            Questions?
Critical Illness Insurance
Underwritten By:
Mutual of Omaha Insurance Company
Mutual of Omaha Plaza
Omaha, NE 68175
mutualofomaha.com


Critical Illness policy/certificate CI/CI1/CCI/CCI1 (in ID, CI-20145/CI1-20146; in OR, CI-
19913/CI1-19914; in TX, CI-19753/CI1-19754) or state equivalent. This is a limited benefit health
policy/certificate. Exclusions, limitations and reductions apply. Rates and availability may vary by
state.

				
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