Do you know someone who has had a stroke, major organ transplant, heart attack (myocardial infarction) or other critical illness? More and more people are diagnosed or at risk for critical illness. As with cancer, a critical illness can be physically, emotionally and financially draining on you and your family.

• More than 375,000 Americans are being treated for End Stage Renal Disease (ESRD).

Source: End Stage Renal Disease in the United States, National Kidney Foundation, as quoted at www.kidney.org on 3/18/05.

• The number of patients waiting for a transplant in the U.S. was 87,754 in March, 2005.

Source: United Network for Organ Sharing, Organ Donation and Transplantation, March 18, 2005.

A critical illness plan from Colonial can help you prepare for the expenses related to specified critical illness treatment.

The Importance of Early Detection
The good news is that regular screenings by a health care professional are effective at early detection of many critical illnesses.  Early detection helps increase the chance of survival. Likewise, if detected early, the treatment may not be as intense or costly.

This coverage may not be available in all states; product benefits vary by state. Policies have exclusions and limitations that may affect benefits payable. For cost and complete details, please see your Colonial representative.

• Heart Attack (myocardial infarction)
• Stroke
• Major Organ Transplant
• End Stage Renal Failure
• Coronary Artery Bypass Surgery
• Carcinoma In Situ
• Cancer (optional benefit)

Colonial’s Critical Illness Insurance offers flexible coverage amounts. Plus, benefits are paid directly to you unless you specify otherwise. Critical Illness benefits are paid regardless of any other insurance you may have with other insurance companies.

Similar to the Colonial Cancer Insurance plan, you don’t have to be diagnosed with an illness to receive a specified health screening benefit. An annual preventive health screening benefit will be paid to you if you have one of the covered health screening tests.

This coverage is portable, which means that if you change jobs or retire you can take your Critical Illness plan with you. Coverage is available for your spouse and this plan is guaranteed renewable as long as premiums are paid when due or within the grace period. Your premium can be changed only if we change it on all policies of this kind in the state where the policy was issued. Premiums are affordable and will not increase because you get older.

This coverage may not be available in all states; product benefits vary by state. Policies have exclusions and limitations that may affect benefits payable. For cost and complete details, please see your Colonial representative.

Applicable to policy form CI(98)-WC and CI(2002)-WC, including state abbreviations where used. If you are in Virginia, please read this important information.
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