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Critical Advantage Portfolio

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	Critical Illness Insurance	Cancer Insurance	Heart Attack & Stroke Insurance
Underwriting	Issue ages-18-64, 18-54 (Term) Express Underwriting: $10,000 to $50,000 Simplified Underwriting: $51,000 to $100,000 No family history questions Cancer look back is 10 years Look back for treatment and testing is 3 years No recurrent breast tumors or cysts questions No high blood pressure question Unisex premiums Outcomes-Issue Standard or Decline	Issue ages-18-89, 18-54 (Term) Express Underwriting: $10,000 to $50,000 Simplified Underwriting: $51,000 to $100,000 Only 3 health questions for Express Underwriting No family history questions Cancer look back is 10 years Testing look back is 3 years Unisex premiums Outcomes-Issue Standard or Decline	Issue ages-18-89, 18-54 (Term) Express Underwriting: $10,000 to $50,000 Simplified Underwriting: $51,000 to $100,000 No family history questions Heart attack and stroke look back is 10 years Look back for treatment and testing is 3 years No high blood pressure question Unisex premiums Outcomes-Issue Standard or Decline

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