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• Heart Attack & Stroke

• Invasive Cancer & Carcinoma In Situ

• Coronary Heart Disease and By-pass Surgery

• Major Organ Failure and Transplant

• End Stage Renal Failure

• Alzheimer's Disease

• Occupational HIV and Hepatitis

• Muscular Dystrophy

• Multiple Sclerosis

• Blindness, Coma, Brain Tumor

• Permanent Paralysis

• etc.

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• Unlimited Plan Design and Benefit Level Flexibility

• Multiple Occurrence Benefits

• Reoccurrence Benefits

• Category and Non-category Plans

• Maximum Payout

• Age Related Benefit Reductions

• Multiple Pre-x Limitation Options

• Multiple Waiting Period Options

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• Guarantee Issue and Simplified Issue

• Voluntary & Employer Paid Rates

• Attained Age & Issue Age Rates

• Composite Rates

• Gender Distinct & Uni-sex Rates

• Tobacco Distinct Rates

• Optionally and Conditionally Renewable