Why Cancer or Critical Illness Insurance?

With Cancer or Critical Illness Insurance from Colonial Life, you can take the next step after diagnosis with comfort and reassurance. Benefits from a Colonial Life cancer or critical illness plan will help you pay the following types of out-of-pocket expenses:

• Home health care or caregivers you may require.
• Home or automobile modifications.
• Mortgage, utility bills and other everyday living expenses.
• Travel costs to and from treatment centers.

Cancer Insurance

Cancer rates in the United States continue to increase. However, more and more cancer patients are surviving due to improved treatment options. Many of these options are expensive and can be financially draining on a family, especially when you are already dealing with the emotional and physical toll of cancer.

• In the U.S., men have a 1 in 2 lifetime risk of developing cancer, and for women the risk is 1 in 3.
• About 1.4 million new cancer cases are expected to be diagnosed in 2007.
• Cancer costs Americans more than $206 billion annually.

Source: Cancer Facts & Figures, American Cancer Society, 2007.

Colonial Life's Cancer Insurance provides benefits for you to use where they are needed most.

• This plan pays a cancer screening benefit for certain screening tests.
• Upon diagnosis of cancer, this plan provides benefits for procedures and treatments you may require to care for your cancer.

This cancer plan pays specific benefits for cancer diagnosis and treatment.

Wellness Benefit: Payable for one of the specified cancer screening tests performed.

Bone Marrow Donor Benefit: Payable if you donate your bone marrow to another person who has been identified as a match to your bone marrow type.

Inpatient Benefits: Payable for hospital-related services such as hospital confinement, ambulance, air ambulance and full-time nursing services.

Treatment Benefits: Payable for cancer treatments such as radiation and chemotherapy, anti-nausea medication and medical imaging.

Surgical Procedures Benefits: Payable for surgery performed to treat cancer including reconstructive surgery and anesthesia.

Transportation and Lodging Benefits: Payable if you must travel to receive cancer treatment.

Extended Care Benefits: Payable for extended care services such as home health care, hospice and skilled nursing care.

Benefits from Colonial Life's cancer insurance plan are paid directly to you unless you specify otherwise. Coverage is available for you, your spouse and your dependent children. Several optional riders are available to supplement your cancer plan.

This coverage is portable. This means that you can take your cancer plan with you if you change jobs or retire. This insurance is guaranteed renewable as long as premiums are paid when due or within the grace period. Your premium can be changed only if we change it on all policies of this kind in force where the policy was issued.

Waiver of premium is included with this plan. If you are disabled due to cancer for 90 continuous days, you will not have to make your Colonial Life premium payments while you are disabled. This results in one less payment for you to worry about, so that you can focus on your treatment.

Optional riders are available at an additional cost.

This coverage may not be available in all states; product benefits vary by state. Policies have exclusions and limitations that may affect benefits payable. For cost and complete details, please see your Colonial Life benefits representative.

Applicable to policy form CANMOD and rider forms R-Cancombo, R-Progpay, R-Indx, R-DDC, R-Specdis, including state abbreviations where used. If you are in Virginia, please read this important information.

Critical Illness Insurance

Do you know someone who has had a stroke, major organ transplant, heart attack (myocardial infarction) or other critical illness? More and more people are diagnosed or at risk for critical illness. As with cancer, a critical illness can be physically, emotionally and financially draining on you and your family.

• 1 in 3 men and women has some form of cardiovascular disease.

Source: Heart Disease and Stroke Statistics - 2007 Update, American Heart Association.

• On average, every 45 seconds someone in the United States has a stroke.

Source: Heart Disease and Stroke Statistics - 2007 Update, American Heart Association.

A critical illness or cancer plan from Colonial Life can help you prepare for the expenses related to cancer or specified critical illness treatment.

Colonial Life's Critical Illness Insurance offers you benefits if you are diagnosed with the one of the following specified critical illnesses.

• Cancer (optional benefit).
• Heart attack (myocardial infarction).
• Stroke.
• Major organ transplant.
• End-stage renal failure.
• Coronary artery bypass surgery.
• Carcinoma in situ.

Critical illness insurance will pay a percentage of the policy face amount upon diagnosis of a covered critical illness. These benefits can be used to help pay the out-of-pocket expenses related to the treatment of a critical illness.

This critical illness insurance offers flexible coverage amounts. Plus, benefits are paid directly to you unless you specify otherwise. Critical illness benefits are paid regardless of any other insurance you may have with other insurance companies.

Similar to the Colonial Life cancer insurance plan, you don't have to be diagnosed with an illness in order to receive a specified health screening benefit. An annual preventive health screening benefit will be paid to you if you have one of the covered health screening tests.

This coverage is portable. This means that if you change jobs or retire, you can take your critical illness plan with you. Coverage is available for your spouse and this plan is guaranteed renewable as long as premiums are paid when due or within the grace period. Your premium can be changed only if we change it on all policies of this kind in the state where the policy was issued. Premiums are affordable and will not increase because you get older.

This coverage may not be available in all states; product benefits vary by state. Policies have exclusions and limitations that may affect benefits payable. For cost and complete details, please see your Colonial Life benefits representative.

Applicable to policy form CI(98)-WC and CI(2002)-WC, including state abbreviations where used. If you are in Virginia, please read this important information.

Would you like to receive additional information about Colonial Life's Critical Illness Plan?

The Importance of Early Detection

The good news is that regular screenings by a health care professional are effective at early detection of many types of cancer including breast, colon, cervical and prostate cancer. Early detection helps increase the chance of survival. Likewise, if detected early, the treatment may not be as intense or costly.

Early detection is key. Numerous studies have shown that early detection saves lives and increases treatment options. Colonial Life's cancer and critical illness plans both offer annual specified health screening or wellness benefits. You don't have to be diagnosed with cancer in order to receive this benefit from your plan.