Critical Illness

Conseco Critical SolutionsSM

helps protect your family, finances and future. With three coverages and two benefit options, you can be prepared for the most common critical illnesses.

Did you know?

THE RISKS

Men have nearly a 1-in-2 lifetime risk of developing cancer. Women have a 1-in-3 lifetime risk.¹
This year an estimated 770,000 Americans will have a new heart attack.²
On average, every 40 seconds someone in the United States has a stroke.³

THE COSTS

The total overall cost of cancer in 2007 was $219.2 billion.⁴
The estimated direct and indirect 2008 cost of coronary heart disease is $156.4 billion.⁵
The estimated direct and indirect cost of stroke for 2008 is $65.5 billion.⁶

Key benefits

Lump-sum benefit from $10,000 to $70,000
Three coverages — each with an A or B option

Critical Illness cancer only
Critical Illness without cancer — covers heart attack, stroke and end-stage renal failure
Critical Illness with cancer— covers cancer, heart attack, stroke and end-stage renal failure

Option A
Lump-sum benefit
Option B
Lump-sum benefit
Wellness benefit
Hospital confinement
Consultation benefit
Radiation and chemotherapy⁷

Coverage availability⁸

Individual
Individual and spouse
Individual and children
Individual, spouse and children

Payment modes

Bank draft
Direct bill
Payroll deduction
Credit union share deduction
Government allotment

Issue ages—guaranteed renewable for life

18 –75 — with Return of Premium or Cash Value¹⁰
18 – 85 — without Return of Premium or Cash Value

Optional rider¹⁰

Cash Value or 100% and 50% Return of Premium, a premium-back feature that returns premiums after a specified period of time.

Assurances

Benefits are paid directly to the policyholders.
Benefits are paid regardless of other insurance.

¹ American Cancer Society, Cancer Facts & Figures 2008, 2008, pg. 1.

² American Heart Association/American Stroke Association, Heart Disease and Stroke Statistics, 2008 Update (At-a-Glance Version), pg. 12.

³ Ibid., p. 15.

⁴ American Cancer Society, Cancer Facts & Figures 2008, 2008, pg. 3.

⁵American Heart Association/American Stroke Association, Heart Disease and Stroke Statistics, 2008 Update (At-a-Glance Version), pg. 14.

⁶ Ibid., p. 17.

⁷ Not applicable to Critical Illness without cancer plan.

⁸ Premiums are calculated on per-adult rate and per-child rate basis.

⁹ Or appropriate state variation.

¹⁰ Varies by state. Not available in all states. See Return of Premium and Cash Value rider for details.

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