Terms

Please Read Regarding Your Cancer Coverage

EXCLUSIONS:

Benefits will not be paid under this Policy or any attached Rider for any loss caused by, resulting from or contributed by: Injury or Sickness other than Cancer; treatment or services performed outside of the United States.

PRE-EXISTING CONDITION LIMITATION:

No benefits will be payable for the Covered Person’s Pre-Existing Conditions. A Pre-Existing Condition is defined as any condition (except Skin Cancer) that was Positively Diagnosed or for which medical treatment, consultation, advice, care or services was sought within 5 years (3 years in LA and MT, 2 years in IL, TN, and VT, 12 months in CT, IN, MD, MO, MS, NC, ND, SC, TX, and VA, 6 months in ID, ME, NH, NV, SD, UT and WY) prior to the Covered Person’s Effective Date of Coverage.

For residents of ID and ME: A Confinement resulting from a Pre-Existing Condition will not be covered for the first 12 consecutive months (ID) or 6 months (ME) following a Covered Person’s Effective Date of Coverage.

For residents of MD, ND, SC and UT: A Confinement resulting from a Pre-Existing Condition will not be covered until the earlier of: (1) 12 consecutive months have elapsed during which no medical treatment or advice is given by a Physician for such condition; or (2) the Covered Person has been insured under the Policy for 12 consecutive months (MD, SC) or 24 consecutive months (ND, UT), whichever occurs first.

The Company has a right to rescind or void a Covered Person’s insurance coverage if the Company finds that the Covered Person had a Pre-existing Condition. Any premiums paid for that Covered Person will be refunded.

This information is a brief description of important features of the plan. It is not a contract. Terms and conditions of coverage are set forth in Group Policy Number 9200/9201/9202, under policy series 17-50995. Residents of AK, CO, MT and NV will be issued individual policy form series 17-51062. Additional information is contained in the Certificate of Insurance which is issued to all persons who become insured under the plan. As determined by state insurance regulations, this plan or some benefits of this plan may not be available in all states. Availability of this offer may change. For complete details, including features, limitations, and exclusions, see the Certificate or Policy of Insurance. In the event of any discrepancy between this information and the policy/certificate, the terms of the policy/certificate will apply. Complete coverage information is in the Certificate or Policy issued to each insured individual.

Eligibility Pre-Existing Conditions Limitations:

Members and Dependents who have been medically treated for or advised of Cancer within 5 years (3 years in LA and MT, 2 years in IL, TN, and VT, 12 months in CT, IN, MD, MO, MS, NC, ND, SC, TX, and VA, 6 months in ID, ME, NH, NV, SD, UT and WY) prior to the Effective Date of Coverage are not eligible for this Cancer insurance.

Benefit Waiting Period:

Benefits are not payable for Cancer diagnosed and treated within the first 30 days the Covered Person has been insured. However, benefits for treatment or services related to such Cancer are payable after coverage has been in force for 12 consecutive months from the Effective Date.

THIS IS A CANCER ONLY POLICY

Endorsed by:

Offered by:
A.G.I.A., Inc.

Underwritten by:
Securian Life Insurance Company,
St. Paul, MN 55101

Administered by:
A.G.I.A., Inc.
P.O. Box 26860, Phoenix, AZ 85068-6860
Questions? Call toll-free 1-866-331-0180

IMPORTANT NOTICE TO PERSONS ON MEDICARE THIS POLICY OR CERTIFICATE DUPLICATES SOME MEDICARE BENEFITS

This is not a Medicare Supplement Insurance Policy

This insurance pays a fixed amount, regardless of your expenses, if you meet the policy conditions, for one of the specific diseases or health conditions named in the policy. It does not pay your Medicare deductibles or coinsurance and is not a substitute for a Medicare Supplement insurance policy.

This insurance duplicates Medicare benefits because Medicare generally pays for most of the expenses for the diagnosis and treatment of the specific condition or diagnoses named in the policy.

Medicare pays extensive benefits for medically necessary services regardless of the reason you need them. These include:

• Hospitalization
• Physician services
• Hospice
• Outpatient prescription drugs if you are enrolled in Medicare Part D
• Other approved items and services

Before You Buy This Insurance

• Check the coverage in all health insurance policies you already have.
• For more information about Medicare and Medicare Supplement insurance, review the Guide to Health Insurance for People with Medicare, available from the insurance company.
• For help in understanding your insurance, contact your state insurance department or state health insurance assistance program (SHIP).