washington national critical critical illness supplemental health insurance Protecting your family, finances and future. CS-PPT

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1 washington national critical critical illness supplemental health insurance Protecting your family, finances and future. CS-PPT

2 Simple coverage you can afford Washington National Critical Solutions is a highly customizable plan that can fit your individual family needs and protect your finances during a critical illness. It offers you cash when you need it the most Your benefits are paid directly to you or whomever you choose, unless otherwise required Your benefits are paid regardless of any other insurance you carry Your rates cannot be increased unless all rates of that kind are raised in your state Your policy is guaranteed renewable for life Only you can cancel your coverage.

3 Did you know? Cancer is affecting more people Men have nearly a 1-in-2 lifetime risk of developing cancer. 1 Women have more than a 1-in-3 lifetime risk. 1 Heart attacks and strokes must not be overlooked This year, 8.5 million Americans wil suffer a heart attack. 2 Every 40 seconds on average, someone in the U.S. has a stroke. 3 1 American Cancer Society, Cancer Facts & Figures 2010, 2010, p.1. 2 American Heart Association/American Stroke Association, Heart Disease and Stroke Statistics 2010 Update At-A-Glance, 2010, p. 6 3 Ibid, p.14. The above facts represent the U.S. population, are presented for information only and do not imply coverage under the certificate/policy. The company or certificate/policy are not endorsed by the American Cancer Society.

4 Fighting a critical illness can be very costly The total overall cost of cancer in 2010 was estimated at $263.8 billion. 1 The estimated total cost of coronary heart disease was $177.1 billion in The estimated total cost of stroke for 2010 was $73.7 billion. 3 1 American Cancer Society, Cancer Facts & Figures 2010, 2010, p. 3 2 American Heart Association/American Stroke Association, Heart Disease and Stroke Statistics 2010 Update At-A-Glance, p Ibid., p. 16. The above facts represent the U.S. population, are presented for information only and do not imply coverage under the certificate/policy. The company or certificate/policy are not endorsed by the American Cancer Society.

5 Unfortunately, medical costs are only one piece of the puzzle 1. Insurance shortfall Deductibles Benefit limitations 2. Special expenses Transportation Hotels Special diets Family care 3. Living expenses House payments Utilities (gas/electric) Groceries 4. Loss of income If you or your spouse are unable to work or are caring for another family member

6 How would you pay for the out-of-pocket expenses associated with a critical illness? If you are like most people you have just a few options: Spend your savings. Sell your assets. Buy a Washington National Critical Solutions policy to protect your family, finances and future.

7 Two items to consider NEED Can you effectively budget for nonmedical expenses, loss of income or savings, and insurance shortfalls if a critical illness strikes? AFFORDABILITY This policy is affordable for many families, depending upon income, other insurance and personal circumstances. Many families can fit the premium payments into their budgets without a change in lifestyle.

8 washington national criticalsolutionssm Protect your family, finances and future.

9 Washington National Critical Solutions is customizable to your needs Choose from three coverage levels Critical Illness cancer only provides coverage upon diagnosis of cancer Critical Illness without cancer provides payment upon diagnosis of heart attack/stroke, or end stage renal failure. Critical Illness with cancer a combination of both coverages listed above. Choose Benefit option Plan A offers you a lump-sum payment of $10,000 to $70,000 Plan B offers you a lump-sum payment of $10,000 to $70,000, plus additional indemnity benefits to help provide extra security if you re treated for a critical illness

10 washington national criticalsolutionssm BENEFITS

11 Wellness benefit Benefit amounts for covered screenings: $50 per year for critical illness cancer only coverage $50 per year for critical illness without cancer coverage $100 per year for critical illness with cancer coverage Covered screenings vary based on the selected coverage. The American Cancer Society recommends a periodic health examination for people 20 years and older. This should include checkups for cancers of the thyroid, testicles, ovaries, lymph nodes, oral cavity, and skin. For women 18+ an annual examination for cervical cancer is recommended. For men and women 50+ it is recommended that an annual test is preformed for colorectal cancer A full list of recommended screenings can be obtained at

12 Hospital Confinement Benefits are paid for each day an insured is confined to a hospital during a covered critical illness. $200 per day for days 1-30 $400 per day for days 31+

13 Consultation Benefit This $250 benefit is paid when you are diagnosed with a covered critical illness and consult a physician or alternative care practitioner for a treatment plan The radiation and chemotherapy benefit is payable when a physician prescribes radiation or chemotherapy as part of a cancer treatment plan Radiation $200 per day Chemotherapy injected by medical personal $200 per day Chemotherapy that is self administered $200 per drug

14 washington national criticalsolutionssm RIDERS

15 Concerned about spending hard earned money on a policy you may never need? Add a Return of Premium rider If you don t need to use the policy, this rider will return to you all the premiums you paid for the policy. If you use the policy, you receive the protection of the claims payments and if the premiums you paid exceed the claims payment we will return the difference. We offer the option at a 50% or a 100% return so that everyone can take advantage of this rider.

16 Protect your most valuable asset your income! Two simple plans Accessible for most budgets Optional riders for additional coverage

17 Protect your family, finances and future with Washington National Washington National Insurance Company serves millions of individuals and families from coast to coast. Our supplemental health and life insurance products help protect your finances and well being, and provide assurance that your future healthcare needs are covered. Whether you are starting out on your own, raising a growing family or looking ahead to retirement, you can work toward your financial goals with products and services from Washington National.

18 Limitations and exclusions Benefits will not be paid for loss contributed to, caused by or resulting from any insured having or being diagnosed with any other disease, sickness or incapacity, even if the disease or condition is caused, complicated or aggravated by the specified critical illness; being diagnosed with a specified critical illness during the waiting period, which is the first 30 days after the coverage effective date; participating or attempting to participate in an illegal act; working at an illegal job; being legally intoxicated or so intoxicated that mental or physical abilities are seriously impaired; being under the influence of any illegal drugs; being under the influence of any narcotic, unless such narcotic is taken under the direction of and as directed by a physician; injuring or attempting to injure oneself intentionally, regardless of mental capacity; committing or attempting to commit suicide, regardless of mental capacity; participating in any sporting event for pay or prize money; being exposed to war or any act of war, declared or not; participating in or contracting with the armed forces, including Coast Guard, of any country or international authority; and alcoholism, drug abuse or chemical dependency. No benefits are payable for a pre-existing condition during the first twelve (12) months after the effective date of coverage. A pre-existing condition is defined as the existence of symptoms that would cause an ordinarily prudent person to seek diagnosis, care or treatment within the twelve (12)-month period before the insured s coverage effective date, or a condition for which medical advice or treatment was recommended by or received from a physician within the twelve (12)-month period before the coverage effective date. A pre-existing condition can exist even though a diagnosis has not been made. For critical illness without cancer coverage and critical illness with cancer coverage: Heart attack does not include any other disease or injury involving the cardiovascular system. A cardiac arrest not caused by a myocardial infarction is not a heart attack. Heart attacks or strokes occurring during or as the result of any medical procedures are not covered. Renal failure caused by a traumatic event, including surgical trauma, is not covered. This presentation is intended to be a brief, general description of coverage. For more complete details of coverage, including benefits, limitations and exclusions specific to your state, please review the policy with your agent. This is a solicitation of insurance. Policy form CIC1039, including state variations, are issued by Washington National Insurance Company (home office, Carmel, IN). Washington National Insurance Company Home Office N. Pennsylvania Street Carmel, IN WashingtonNational.com 2011 Washington National (09/11) CS-PPT

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