Plan Details

The Union Savings Enhanced Critical Illness Insurance Plan is the easy and affordable way to assist in your recovery and your family's security - at rates you can afford.

You can see why this is the plan for you.

• A lump sum payment makes it easier to take care of things! When you're diagnosed with one of the 21 Critical Illnesses listed, the Enhanced Critical Illness Insurance Plan provides you with a lump sum payment to use in any way you wish. You may seek alternative treatment elsewhere, modify your home, or even take a well needed vacation.
• Choose the level of coverage that's best for you. You choose how much coverage you need - $25,000, $50,000, $75,000 or $100,000. You just need to answer a few straightforward medical questions.
• Affordable Monthly Premiums. Premiums are based on your age, sex and smoking status.

Covered Conditions*

The Enhanced Critical Illness Insurance Plan pays a lump sum benefit if you're diagnosed with one of the following common major illnesses and survive for 30 days from the date of diagnosis.

Second Event Benefit*

If you are diagnosed with either of the following:
Category of Conditions:

1. Cancer, or
2. Cardiovascular Condition (defined as Heart Attack, Stroke, Coronary Artery Bypass, undergoes Aorta Surgery or Heart Valve Replacement)

for which the Principal Sum has been paid and then at least 365 days thereafter is diagnosed with another Insured Condition, the Second Event benefit payable will be equal to the Principal Sum (less any partial payment benefit paid after the first Principal Sum was fully paid). The Second Event Benefit is subject to you surviving 30 days after the diagnosis of such Insured Condition.

In order to be considered an eligible second Event condition, the first and second event cannot fall into the same Category of Conditions.

The Second Event Benefit is payable only once. Payment of the Second Event Benefit will represent full and final discharge of all claims under the Second Event Benefit. Following payment of the Second Event Benefit, coverage under this policy will terminate.

Partial Benefits are not considered an event and therefore are not included in the above definition of Second Event. Any benefit payment made will reduce the amount payable under either a First or Second Event.

Additional Benefits*

The Union Savings Enhanced Critical Illness Insurance Plan stands apart from others - in addition to the 21 major illnesses listed above, this plan includes coverage for:

• Ductal Carcinoma in Situ (DCIS)
• Early Prostate Cancer Treatment
• Loss of Independence

Eligibility

All Union Savings members, their spouses and family members, between the ages of 18 and 69 inclusive, are eligible to apply. What's more, coverage extends until age 70.

Monthly Premiums

First year premiums are based on your age, sex and smoking status at the time you apply. Renewal premiums will increase according to your attained age on each policy anniversary after you enter the next age band. Coverage is available in units of $25,000 with a maximum of 4 units. Coverage terminates at age 70.

Monthly Premiums

Rates are not guaranteed and are subject to change without notice.

$25,000

$50,000

$75,000

$100,000

Exclusions & Limitations

This Policy does not provide coverage and no benefit payment shall be paid for Insured Conditions caused directly or indirectly by or resulting from any of the following:

1. intentionally self-inflicted injury, suicide or any attempt thereat, while sane or insane;
2. declared or undeclared war or any act thereof;
3. for injury or sickness, other than one of the Insured Conditions, even though such injury or sickness may have been complicated by one of the Insured Conditions;
4. a complication of Human Immunodeficiency Virus (HIV) infection or any variance thereof including AIDS and AIDS Related Complex;
5. the use, existence or escape of nuclear weapons, material or ionizing radiation from or contamination by radioactivity from any nuclear fuel or waste from the combustion of nuclear fuel;
6. the commission or attempted commission by the Insured of any act which if adjudicated by a court would be an illegal act under the laws of the jurisdiction where the act was committed; or
7. misuse of medication or the abuse of drugs or intoxicants.

90 Day Cancer Exclusion - The Cancer, Early Stage Prostate Cancer Treatment and DCIS exclusion period is 90 days from the later of:

1. the Effective Date, or;
2. the date of the last reinstatement of the Policy.

Within this exclusion period, there shall be no coverage for DCIS or Cancer or Early Prostate Cancer Treatment if a diagnosis of DCIS or any type of cancer, whether included or excluded under this contract, is made or if any symptoms or medical problems manifest themselves which, or the persistence or recurrence of which, subsequently results in an investigation leading to the diagnosis of Cancer, DCIS or Early Prostate Cancer Treatment. In the event of any such diagnosis the policy will remain in force but cancer will no longer be considered an insured condition, except for a subsequent diagnosis of an unrelated cancer.

* This is an outline of some of the benefits for which you may be eligible for under the Union Savings Enhanced Critical Illness Insurance Plan and is for informational purposes only and does not replace the policy contract. Please refer to the Enhanced Critical illness Insurance policy for full details of the coverage, an explanation of benefits, including but not limited to the definitions, benefit amounts, exclusions and limitations, as these may limit the benefits available. In all cases, it is the terms of your Enhanced Critical Illness Insurance policy issued by ACE INA Life insurance that will govern.