Who do you know who’s had:
...cancer ?
...a heart attack ?
...a stroke ?
Who planned to be on that list ?
• Every 26 seconds, someone in the U.S. is diagnosed with cancer.
• Every 29 seconds, someone in the U.S. suffers a coronary event.
• Every 29 seconds, someone in the U.S. suffers a stroke.
This Year In the United States:
• 1,277,500 people will be diagnosed with cancer (1)
• 1,095,000 people will have a new or recurrent heart attack (2)
• 584,000 people will suffer a new or recurrent stroke (2)
You will survive....
• The 5 year survival rate for all cancers is 62% (1)
• The one year stroke survival rate is 78% (2)
• The one year heart attack survival rate is 75% (2)
(1) 2002 Cancer Facts & Figures, American Cancer Society
(2) 2002 Heart & Stroke Statistical Update, American Heart Association
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“Critical
Illness
Insurance
meets a need
traditional insurance
products don’t
...... the price of survival”
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Get a Quote •
Now! |
Now you can
get a quote online!
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Online Application |
Now you can fill out an application online!
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How Can the Proceeds Be Used? |
Let Us Help You Take Care Of It
Our Critical Illness pays you a lump sum benefit upon diagnosis of one of the following events:
• Cancer not in-situ
• Cancer in-situ (reduced benefit)*
• Heart Attack
• Stroke
• Major Organ Transplant
• End Stage Renal Disease
• Paralysis
• Coma
• Major Burns
• Accidental Loss of Sight
• Accidental Loss of Hearing
• Accidental Loss of Speech
*For a first ever diagnosis the benefit amount is equal to 10% of the current face amount |
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• Medical cost not covered by insurance
• Co-payments and deductibles
• Alternative treatments
• Loss of income -Disability Insurance only pays part of your former income amount
• Bills, mortgage, and debts don’t go away just because you are ill
• Transportation for treatment
• Spouse’s time off
• Specialized diets or equipment
• Child or adult daycare
• Treatment by a physician/ facility of your choice |
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Plan Features |
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Return of Premium |
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This Feature Creates a No Loss Situation
If the policy has not terminated prior to the Insured’s death, then a benefit equal to the sum of all premiums paid on this policy to date minus any benefit paid will be paid upon the Insured’s death to the Beneficiary, if alive or to the Beneficiary’s estate if not.
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Reduced Benifits
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Beginning the Policy year immediately following the Insured’s 65th birthday or 5 years from the policy date, whichever is later, the amount payable for the remaining years the policy is inforce will be 50% of the amount otherwise payable.
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| Effective Date |
Insurance will become effective only after receipt of application, required premium, approval by Provident American and before any change in insurability of the applicant. Provident American reserves the right to reject any application which does not meet its underwriting requirements.
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• Issue Ages 18 to 65
• Minimum Face Amount $5,000
• Maximum Face Amount $250,000
• Guaranteed Renewable For Life
• No Survival Period
• Return Of Premium
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Policy Fee $3.00 per Month
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| AGE |
MNT |
MTU |
FNT |
FTU |
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18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
53
54
55
56
57
58
59
60
61
62
63
64
65
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4.97
5.05
5.13
5.21
5.29
5.37
5.45
5.53
5.78
6.03
6.28
6.53
6.78
7.21
7.64
8.06
8.49
8.92
9.46
9.99
10.53
11.06
11.60
12.19
12.78
13.37
13.96
14.55
15.72
16.89
18.06
19.23
20.40
21.23
22.06
22.88
23.71
24.54
25.65
26.75
27.86
28.96
30.07
32.08
34.10
36.11
38.13
40.14
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8.30
8.45
8.60
8.75
8.90
9.05
9.20
9.35
9.79
10.23
10.66
11.10
11.54
12.28
13.02
13.77
14.51
15.25
16.16
17.07
17.97
18.88
19.79
20.70
21.61
22.53
23.44
24.35
26.15
27.95
29.75
31.55
33.35
34.66
35.97
37.28
38.59
39.90
41.74
43.58
45.43
47.27
49.11
52.57
56.03
59.48
62.94
66.40
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6.69
6.74
6.79
6.84
6.89
6.95
7.00
7.05
7.18
7.31
7.45
7.58
7.71
8.02
8.32
8.63
8.93
9.24
9.47
9.71
9.94
10.18
10.41
10.66
10.91
11.17
11.42
11.67
12.31
12.96
13.60
14.25
14.89
15.50
16.10
16.71
17.31
17.92
18.68
19.44
20.19
20.95
21.71
23.61
25.51
27.40
29.30
31.20
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9.71
9.76
9.81
9.86
9.91
9.96
10.01
10.06
10.33
10.60
10.87
11.14
11.41
11.93
12.45
12.96
13.48
14.00
14.50
14.99
15.49
15.98
16.48
17.09
17.70
18.30
18.91
19.52
20.72
21.93
23.13
24.34
25.54
26.72
27.89
29.07
30.24
31.42
32.91
34.41
35.90
37.40
38.89
42.49
46.10
49.70
53.31
56.91
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Modal Factors Annual 1.000; Semi- Annual 0.510
Quarterly 0.265: Monthly Direct 0.900 Monthly Draft 0.085
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