Aflac www.aflac.com 800-488-1771 or brokerrelations@aflac.com Personal Cancer Indemnity and Maximum Difference Cancer All 3 18-70 for payroll; 18-64 for direct Benefits are paid directly to the policyholder, unless otherwise assigned. See "Services Covered" section. See "Issue Ages" section. Internal cancer that was diagnosed or treated within the last five years (five years for payroll, ten years for direct), or preventive hormonal therapy that was received within the last 12 months. Wellness, initial diagnosis, NCI evaluation/consultation, additional surgical opinion, medical imaging with diagnostic benefit, injected and oral chemotherapy, radiation, experimental treatment, immunotherapy, anti-nausea, stem-cell transplant, bone marrow transplant, blood and plasma, surgery and anesthesia, skin cancer surgery, hospital confinement, outpatient hospital surgical room, extended-care, home and hospice care, nursing services, surgical and nonsurgical prosthesis, reconstructive surgery, ambulance, transportation, lodging, waiver of premium and continuation of coverage. AIG Employee Benefit Solutions www.aigebs.com 877-672-1647 AIG Group CancerCare Insurance All except Connecticut, Georgia, Maine, Minnesota, New York and Washington 10 enrolled employees 18 to 69 Lump-sum benefit payment upon initial diagnosis of invasive cancer Paid directly to insured to be used as needed Coverage terminates at age 75. Benefit reduces to 50 percent of the original face amount at age 70. For employee-paid plans, eligibility for continuation privilege coverage terminates at age 70. Benefits are subject to the terms, conditions and exclusions of the AIG Group CancerCare insurance policy. State variations may apply. Hospital: Ambulance, government or charitable hospital confinement, hospital confinement, nursing services, physician visits and transportation to a nonlocal hospital. Out-of-Hospital: Hospice care, nursing services and nursing facility confinement. Surgery-related: Ambulatory surgical center, anesthesia, bone marrow transplant, second surgical opinion, skin cancer surgery, stem cell transplant, surgery. Treatment-related: Anti-nausea medication, blood and plasma, experimental treatment, radiation and chemotherapy. BenefitsSellingMag.com January 2008 Benefits Selling 67
Allstate Workplace Division www.allstateatwork.com 800-694-3275 The Provider All except Connecticut, Massachusetts and West Virginia No minimum; five apps for payroll deduction 18-79 payroll and non-payroll Direct to policyholder.can be assigned. Reimbursing expenses most states. Accrued unpaid benefits go to policyholder's estate Multiple deduction modes available and electronic billing for payroll. apply. Must be actively at work. 30-day wait or 12-month pre-existing depending on state; actively at work; no AIDS related complex; prior cancer history reviewed. Treatment must be in United States or U.S. territory. Initial diagnosis, continuous hospital confinement, drugs and diagnostic testing, attending physician, private nursing, ambulance, patient transportation, family member transportation, family member lodging, skilled nursing, hospice, bone marrow transplant, surgical procedures, anesthesia, second surgical opinion, ambulatory surgical prosthesis and reconstructive surgery, radiation and chemotherapy, comfort and anti-nausea, hone care recovery, blood plasma and platelets, and waiver of premium. AlterNet Benefits www.alternetbenefits.com 303-679-9600 GC3 Group Cancer Alabama, Alaska, Arizona, Arkansas, Delaware, D.C., Georgia, Hawaii, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Michigan, Mississippi, Missouri, Nevada, New Mexico, North Carolina, Ohio, Oklahoma, Oregon, South Carolina South Dakota, Tennessee, Texas and West Virginia 10 18-60 Direct to employee are paid direct to insured regardless of other insurance Over 55 and over 60 are higher age bands AIDS, ARC or HIV; cancer, carcinoma, sarcoma, Hodgkins, lymphoma, leukemia, melanoma or malignant tumor; tests that show cancer; Addisons, ALS, Grand Mal Epilepsy, Lupus, erythematosus, MS, MD, Myasthenia Gravis, Niemann-pick disease, Osteomyelities, Reyes Syndrome, Sickle cell anemia, Tay-Sachs, Toxic Epidermal Necrolysis, TB and Whipples Disease Base group cancer, critical illness rider, diagnostic testing rider and intensive care rider Brokers National Life Assurance Co. www.bnlac.com 800-798-1125 Cancer Care 5000 Alabama, Alaska, Arkansas, Colorado, Delaware, Georgia, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Mexico, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, South Carolina, South Dakota, Texas, Utah and West Virginia 1 1-100 Lump Sum along with daily hospitalization Up to $10,000 lump & $200 a day hospitalization All Coverages reduced by 50 percent at age 65 Applicant cannot have or been previously diagnosed with cancer. Cash paid upon first occurrence of diagnosed internal cancer. Colonial Life & Accident www.coloniallife.com 866-531-2022 Cancer 1000 All except Washington 3 17-69 Indemnity Direct to policyholder unless otherwise specified Same as issue ages Five-year health underwriting Cancer screenings, hospital confinement, ambulance and air ambulance, private full-time nursing, radiation/chemotherapy, anti-nausea medication, blood/plasma/platelets/immunoglobulins, experimental treatment, hair/external breast/voice box prosthesis, support and protective care drugs, medical imaging, bone marrow stem cell transplant and donor, peripheral stem cell transplant, transportation for patient and companion, lodging, surgical procedures, anesthesia, second medical opinion, reconstructive surgery, prosthesis/artificial limb, outpatient surgical center, skilled nursing care facility, family care, hospice, home health care, waiver of premium, initial diagnosis of skin cancer. 68 Benefits Selling January 2008 BenefitsSellingMag.com
Conseco Health www.conseco.com 877-266-7326 Conseco Solutions Cancer All except Connecticut, Florida, Massachusetts, Minnesota, New Hampshire, New York, Washington and Wyoming To qualify for payroll rates on a paper list bill, a minimum of five eligible employees of a single employer must apply for coverage. 18-75 with Return of Premium or Cash Value rider; 18-85 without ROP or CV; 18-65 for ICU rider (may vary by state) Benefits are paid directly to policyholders or to whomever they choose, unless otherwise required. Amount varies by schedule and plan. N/A Must be cancer free for a period of 10 years (varies by state). Express payment up to $10,000; health advocate; wellness; daily hospital confinement: surgery and anesthesia; radiation and chemotherapy; transportation and family lodging KMG America www.kmgamerica.com 800-635-4252, ext. 5956 Cash Cancer Plus All except Alaska, Connecticut, D.C., Maine, Massachusetts, Minnesota, Montana, New Hampshire, New Jersey, New York, Pennsylvania and Vermont 10 18-69 (varies by state) One time lump sum payment Pays up to $50,000 69 and over 12/12 pre-ex and 30-day waiting period. Lump-sum payment with no coordination of benefits. Diagnosis of cancer is the only trigger for payment, claimant determines how the money is spent. KMG America www.kmgamerica.com 800-635-4252, ext. 5956 Cancer Plus Alabama, Arizona, Arkansas, California, Colorado, Delaware, Florida, Georgia, Hawaii, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Michigan, Mississippi, Missouri, Montana, Nebraska, Nevada, New Mexico, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Rhode Island, South Carolina South Dakota, Tennessee, Texas, Virginia, West Virginia and Wisconsin 10 lives 18-69 (varies by state) Pays 100 percent of usual and customary Up to $50,000 annually None 12/12 pre-ex and 30-day waiting period. 100 percent of Uand C on an annually restorable basis. NEAT Management Group www.neatmgmt.com 800-451-9143 Cash Cancer All except Alaska, Connecticut, D.C., Massachusetts, Minnesota, Montana, New Jersey, New York, Oregon and Pennsylvania 10 emplyees for list bill 0 to 69 $10,000 to $50,000 N.A. Not available above age 69 No diagnosis of cancer Lump-sum cash benefit upon first diagnosis. 70 Benefits Selling January 2008 BenefitsSellingMag.com
Professional www.sunlife-usa.com /ebg/emp/index.cfm 860-737-1492 Lump Sum Cancer Insurance Alabama, Arizona, Arkansas, California, Colorado, D.C., Florida, Georgia, Hawai,i Idaho, Illinois, Indiana, Iowa, Kansas, Louisiana, Michigan, Mississippi, Missouri, Montana, Nebraska, Nevada, New Mexico North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, South Carolina, Tennessee Texas, Utah, Virginia and Wisconsin 2 18-64 Pays a one-time lump sum payment upon first diagnosis of internal cancer. Benefit amounts from $10,000 to $50,000. Benefit amounts can vary by state refer to home office for more details. Issue Ages 18-64 Pays only for the first diagnosis of cancer as defined in the policy. This policy does not pay benefits for pre-existing diagnosed cancer. Pays a one-time lump sum payment upon first diagnosis of internal cancer. The policy does not pay for a diagnosis of skin cancer other than malignant melanoma. Pyramid Life www.pyramidlife.com 800-777-1126 Cancer Ultimate Alabama, Arizona, Colorado, Florida, Georgia, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Mississippi, Missouri, Nebraska, Nevada, New Mexico, North Carolina, Ohio, Oklahoma, Tennessee, Texas and Virginia N/A 0-85 Paid direct to insured Regardless of other insurance N/A Certain health conditions Surgery, doctor visits, anesthesia, blood, radiation, chemotherapy, ambulance, transporation, prosthetic devices, home recover, hospice, hospital benefit,new or experimental treatment, waiver of premium Pyramid Life www.pyramidlife.com 800-777-1126 First Diagnosis Cancer Insurance All except Alabama, California, Delaware, Georgia, Iowa, Maryland, Michigan, Minnesota, Montana, Pennsylvania and Washington N/A 0-85 One-time cash benefit paid direct to insured Choice of two benefit levels: $15,000 or $25,000 paid at first diagnosis of internal cancer or malignant melanoma Not available over age 85 Skin cancers other than malignant melanoma are excluded One lump-sum payment Transamerica Worksite www.transamericaworksite.com 800-400-3042 CancerSelect Plus All except Connecticut, Florida, Hawaii, Idaho, Indiana, Kentucky, Maryland, Massachusetts, Minnesota, Montana, Nevada, New Hampshire, New Jersey, New York, North Carolina, North Dakota, Oregon, Utah, Vermont and Washington 5 18+ Benefits are paid in addition to any other insurance the insured may have, including any group medical plan and Medicare (in most states). Benefits are paid directly to the insured or whomever he or she chooses. Indemnity/Actual Charges None 12/12 Pre-existing condition CancerSelect Plus pays benefits associated with: Medical benefits for hospital room, drugs and medicine, physician fees, anesthesia, surgery, radiation/chemotherapy, bone marrow and stem cell transplants, blood and plasma, prosthesis, physical therapy, hospice care and wellness and more. Non-medical benefits for transportation, family member lodging, outpatient lodging, and waiver of premiums. 72 Benefits Selling January 2008 BenefitsSellingMag.com
UnumGroup www.unum.com 877-322-7222 USNow www.usnow.com 800-694-9888, ext. 890 Cancer insurance source list Cancer Insurance All except Connecticut Hawaii Massachusetts Minnesota New Jersey New York North Dakota and Vermont 25 lives 17-69 Benefits payable to policyowner - Individual policy See schedule of benefits below None Internal cancer in last 7 years, diagnosed with AIDS. If either, not eligible for coverage Indemnity benefits: Government-facility confinement, hospital confinement, mammogram. Expense-Incurred Benefits: Ambulance service, anesthesia, blood and plasma, Breast prosthesis, surgery, drugs and medicine, experimental treatment, family member lodging, home health care agency, hospice, private duty nurse, radiation and chemotherapy. Transportation: Insured s and family air travel; auto travel. Cancer All except Connecticut, Maine, New Hampshire, New Jersey and New York 5 18+ Can be paid to insured or assigned In addition to any other coverage Must be 18 or older and actively at work GI = None; SI = 3 gatekeeper questions Hospital, surgery, radiation and chemo, wellness and maintenance