1. Heart Attack: The death of a portion of heart muscle.
2. Stroke: With evidence of a permanent neurological deficit.
3. Invasive Cancer: Characterized by the spread of malignant cells, including malignant melanoma.
4. Kidney Failure: End-stage renal failure requiring dialysis or hemodialysis.
5. Blindness; total, permanent loss of vision in both eyes, * (benefit not available in South Carolina)
6. Paralysis: Complete and permanent loss of two or more limbs.
7. Major organ transplant of a heart, lung, liver, kidney, or bone morrow.
8. Non-invasive cancer, a localized malignant tumor with the potential to metastasized, pays 10% of benefit. If it spreads, you will receive the balance of the benefit.
9. Terminal Illness with a life expectancy of 12 months or less.

If one of these medical emergencies happens to you and you SURVIVE: You get a lump sum CASH payment upon diagnosis, to spend any way you see fit.
If you die, from any eligible cause, your family receives the benefit.
Would you rather get a get-well card or a check for $1,000,000 dollars?