• Home health care or caregivers you may require.
• Home or automobile modifications.
• Mortgage, utility bills and other everyday living expenses.
• Travel costs to and from treatment centers.

Cancer Insurance
Cancer rates in the United States continue to increase. However, more and more cancer patients are surviving due to improved treatment options. Many of these options are expensive and can be financially draining on a family, especially when you are already dealing with the emotional and physical toll of cancer.

• In the U.S., men have a 1 in 2 lifetime risk of developing cancer, and for women the risk is 1 in 3.
• About 1.4 million new cancer cases are expected to be diagnosed in 2006.
• Cancer costs Americans more than $209 billion annually.
• More than 64 percent of that amount is considered indirect or hidden costs not covered by most major medical plans.

Source: Cancer Facts & Figures, American Cancer Society, 2006.

A cancer plan from Colonial can help you prepare for the expenses related to cancer 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 types of cancer including breast, colon, cervical and prostate cancer. Early detection helps increase the chance of survival. Likewise, if detected early, the treatment may not be as intense or costly.

• The screening-accessible cancers listed above account for about half of all new cancer cases. Half the cancers can be detected early by having regular cancer screening tests.

Source: American Cancer Society, Cancer Facts & Figures, 2001

Early detection is key. Numerous studies have shown that early detection saves lives and increases treatment options. Colonial’s cancer and critical illness plans both offer annual specified health screening or wellness benefits. You don’t have to be diagnosed with cancer to receive this benefit from your plan.

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 Life benefits representative.

• This plan pays a cancer screening benefit for certain screening tests.
• Upon diagnosis of cancer, this plan provides benefits for procedures and treatments you may require to care for your cancer.

Wellness Benefit
Payable for one of the specified cancer screening tests performed.

Bone Marrow Donor Benefit
Payable if you donate your bone marrow to another person who has been identified as a match to your bone marrow type.

Inpatient Benefits
Payable for hospital-related services such as hospital confinement, ambulance, air ambulance and full-time nursing services.

Treatment Benefits
Payable for cancer treatments such as radiation and chemotherapy, antinausea medication and medical imaging.

Surgical Procedures Benefits
Payable for surgery performed to treat cancer including reconstructive surgery and anesthesia.

Transportation and Lodging Benefits
Payable if you must travel to receive cancer treatment.

Extended Care Benefits
Payable for extended care services such as home health care, hospice and skilled nursing care.

Benefits from Colonial’s Cancer Insurance plan are paid directly to you unless you specify otherwise. Coverage is available for you, your spouse and your dependent children. Several optional riders are available to supplement your cancer plan at additional cost.

This coverage is portable, which means that you can take your cancer plan with you if you change jobs or retire. This insurance 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 force where the policy was issued.

Waiver of premium is included with this plan. If you are disabled due to cancer for 90 continuous days, you will not have to make your Colonial premium payments while you are disabled. This results in one less payment for you to worry about, so that you can focus on your treatment.

Optional riders are available at an additional cost.

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 Life benefits representative.