Assurity Life Insurance Company

presents

Critical IllnessInsurance

Policy Form Nos. I H0810 or CI 005, and I H0820 or CI 007. Product and rider availability, features and rates may vary by state.

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“You need a critical illness insurance policy not because you are going to die, but because you are going to survive.”- Dr. Marius Barnard

An Unusual Beginning

Influence of the Doctor’s Design

• You, the insured person, suffer a critical illness or undergo a procedure that meets the terms of the insurance policy.

• The insurance company pays you the benefit.

• You decide how the money can best help you.

Who Do You Know…who has been diagnosed with heart attack, cancer or stroke?

Did any of them plan on getting a critical illness?

“The Big Three”

CancerEvery 21 seconds, someone in the U.S.

is diagnosed with cancer. 1

Heart AttackEvery 25 seconds, someone in the U.S.

will have a coronary event. 2

StrokeEvery 40 seconds, someone in the U.S.

suffers a stroke. 2

1 Heart Disease and Stroke Statistics – 2010 Update, American Heart Association2 Cancer Facts and Figures, American Cancer Society, 2010

Insured… or Uninsured?

There are two types of:• break-ins / thefts • health emergencies while travelingInsured and Uninsured!

There are also two types of: heart attacks,strokesand cancer diagnoses!

Critical Illness -

Why would I buy it if I have health insurance?

Surviving Has a Price

Indirect expenses add up!• Loss of income for self and/or

spouse

• Home modifications

• Experimental treatment

• Child care and domestic assistance• Transportation and lodging for

family members and caregivers during treatment

Health Insurance Coverage

• Brakes plus an airbag Should there be significantly more relief, less

deductibles, co-pays and maximums if it’s cancer?

• Consider raising your deductibles Funded by critical illness insurance, if a covered

illness or condition.

• Remember the COMFORTS Spouse’s time off, hotel during treatment, plane

tickets, nanny, etc.

Life Insurance - Why?

• If a major illness or accident were to take your life, you would want to insure your family, right?

• What if it did not take your life? Would you have a different goal?

• You may be around to see the outcome…

Life Insurance: Goal?

• Why did you buy life insurance? Not because you thought you would

need it

• Because it would have been irresponsible or burdensome not to have it

What’s More Common?

• What’s more likely to happen…You die prematurely?You are diagnosed with a major

illness?

Chances of Death vs. Disability vs. Critical Illness

Probability of a claim for critical illness, disability for 180+ days, or death prior to age 65

Critical illness claimDisability

claim for 180+ days

Death claim

Male Female Unisex Male Female

Age 30 30% 25% 19% 9% 7%

Age 35 29% 24% 19% 9% 7%

Age 40 28% 23% 18% 9% 7%

Age 45 25% 21% 17% 7% 6%

Age 50 20% 16% 16% 5% 4%

Age 55 13% 10% 13% 4% 3%

Source: Canada Life, 2001

If you were diagnosed with cancer,

would it reduce your stress if your mortgage would be paid for the next two years?

What Would Your Banker Do?

…If he heard you were diagnosed with cancer?

Double your line of credit? Be totally unconcerned?

About Assurity

• 120-year legacy—three Lincoln, Neb.-based insurance companies dating back to the 1890s

• A- (Excellent) rating from A.M. Best Company*

• More than $2.4 billion in assets under management

*The fourth highest of 16 A.M. Best ratings for financial strength.

Assurity’s Critical Illness Insurance

Assurity offers two policies:

• Simplified Critical Illness

• Fully Underwritten Critical Illness

Simplified Critical Illness Basics

• Issue ages: 18 to 64*• $5,000 to $50,000 in benefits

available• 12 critical illnesses and conditions

covered• Guaranteed renewable to age 75• Optional riders include:

– Disability Waiver of Premium Rider– Accidental Death Benefit Rider– Spouse Critical Illness Benefits Rider– Children’s Critical Illness Benefits Rider– Return of Premium Rider * To age 59 in some states.

Policy form No. I H0810 or CI 005. Policy and rider availability, rates and features may vary by state.

(R 9/12)

Simplified Critical Illness 12 covered conditions

Fully Underwritten Critical Illness Basics

• Issue ages: 18 to 64• $50,000 to $500,000 in benefits available• 21 conditions covered• Guaranteed renewable for life• Optional riders include:

–Disability Waiver of Premium Rider–Accidental Death Benefit Rider–Spouse Critical Illness Benefits Rider–Children’s Critical Illness Benefits Rider

Policy form No. I H0820 or CI 007. Policy and rider availability, rates and features may vary by state.

Fully Underwritten Critical Illness

21 covered conditions

Policy Differences

Simplified CI• 12 covered conditions• Up to $50,000 in coverage• Shorter application • No required medical exams;

only a few health questions• Guaranteed renewable to age 75• Four-day service guarantee to issue

policy

Fully Underwritten CI• 21 covered conditions• Up to $500,000 in coverage• Longer application• Fully underwritten• Guaranteed renewable for life

Assurity offers two products so you

receive the coverage you need.

Return of Premium Upon Death

If you die while your CI policy is in force, your beneficiary will receive:

• 100% of the premiums paid minus any benefits previously received, if you die of any cause.

These people had critical illness insurance when they needed it!

Assurity’s actual CI cases

Occupation Gender, Age Critical Illness Diagnosed

Months Policy in Force

Benefit Amount Paid

Lawn service owner Male, 28 Nasal cancer 5 $37,500

Optometrist Female, 45 Breast cancer 21 $225,000

Service staff, medical office

Female, 34 Coma 18 $50,000

Maintenance director Male, 36 Melanoma 40 $10,000

Consultant Male, 49 Lymphoma 10 $75,000

Business owner Female, 44 Bladder cancer 3 $9,000

Potter Female, 46 Lung cancer 48 $20,000

CEO, manufacturing Male, 36 Stroke 19 $50,000

Part-time clerk Female, 61 Breast cancer 30 $7,000

Self employed Male, 48 Stroke 8 $5,000

Minister Male, 54 Heart attack 5 $5,000

Ask Yourself Four Questions

• Who do you know…?

• Was it unexpected?

• Was there unplanned emotional or financial strain on the household/ business?

• Would cash have helped?

Why am I so

passionate about

critical illness insurance?

Questions?

Policy Form Nos. I H0810 or CI 005, and I H0820 or CI 007. Product and rider availability, features and rates may vary by state.

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Policies and riders contain reductions of coverage, limitations and exclusions. For details, contact your agent/producer,

Assurity Life Insurance Company or ask to review the policy.