First Diagnosis Cancer Ca$h Benefit Policy
This Cancer Policy Pays You a LUMP SUM CASH Amount That You select; either $10,000, $20,000, $25,000, $30,000 $40,000 or
$50,000...Upon First Diagnosis of Internal Cancer or Malignant Melanoma !
CANCER: Basic Facts:
Chances are you or someone you love will be affected by CANCER at some point in your life
The American Cancer Sociery says more than 93 million Americans alive today will get cancer in their lifetime...
The money comes directly to you in cash, all at one time in
one lump sum payment
You know exactly how much money you can count on
receiving to pay expenses...there are no surprises!
Guaranteed renewable for life.
Coverage is available for individual, single parent or family.
You receive your total cash benefit whether or not you are hospitalized or
receive treatment.
Continuous coverage even if you change jobs or retire.
This policy pays in addition to any other existing coverage you may have,
and the benefits are paid DIRECTLY TO YOU!
Who can get cancer?
According to the American Cancer Society, anyone.
Since incidence rises with age, most cases affect adults
in mid-life or older.
How many people are surviving cancer?
In the 1940's, about one in four patients had any hope of long-
term survival. This year, four out of ten patients will survive five
or more years after diagnosis. Most important, 100,000 more
lives could be saved each year with early detection and
treatment.
CANCER:
·
an estimated 1,368,000 people were
diagnosed with cancer in 2004
·
More than 18 million new cancer cases
have been diagnosed since 1990
·
Will strike 1 out of every 2 men and 1 out of
every 3 women
·
The 5-year survival rate for all cancers
combined is 63%
Fact...
The overall annual cost for cancer is $189.5 billion.
$64.2 billion (34%) was for medical expenses, but nearly twice
the amount, $125.3 billion (66%), was for non-medical costs
Medical vs. Non-Medical Expenses
MEDICAL EXPENSES
NON-MEDICAL EXPENSES
Doctor
Nurse
Drugs & Medicine
Daily Hospital Room Charge
Surgery
Radiation/Chemotherapy
Loss of income
Family member loss of income On-
going fixed cost such as rent or
mortgage, groceries, utility bills,
etc.
Travel and hotel expenses
Child Care expenses
Home care during treatments
Cosmetic Surgery
Non-Covered Experimental Treatments
Optional Riders - Additional Premium Required
First Diagnosis Dread Disease Benefit Rider
This rider provides the First Diagnosis Dread Disease Benefit amount shown on the policy schedule. The first diagnosis of a covered dread
disease must be after the waiting period and while the rider is in force with respect to the insured. Each insured is limited to one First
Diagnosis Dread Disease Benefit amount under the terms of this rider.
The Dread diseases are any of the diseases listed below which are first manifested after the effective date and after a waiting period shown
on the policy schedule. The disease must be diagnosed by a physician based on generally accepted diagnostic criteria. The covered
diseases are:
Muscular Dystrophy
Legionnaire's Disease
Toxic Epidermal Necrolysis
Amyotropical Lateral Sclerosis
Tay-Sachs Disease
Addison's Disease
Encephalitis
Rochy Mountain Spotted Fever
Tetanus
Tuberculosis
Osteomyletis
Menningitis
Myasthenia Gravis
Reyes Syndrome
Lupus Erythematosus
Diphtheria
Sickle Cell Anemia
Scarlet Fever
Smallpox
Rheumatic Fever
Toxic Shock Syndrome
Rabies
Tularemia
Typhoid Fever
Multiple Sclerosis
Epilepsy
Whipple's Disease
Niemann-Pick Disease
Poliomyelitis
First Diagnosis Heart Attack & First Major Heart Surgery Benefit Rider
This rider is designed to provide coverage if you receive a first diagnosis heart attack or if your first major heart surgery is performed. UTA
will pay the insured the first diagnosis Heart attack benefit, reduced by the first major heart surgery benefit if previously paid for the insured
under this rider.The first Major heart surgery benefit is equal to twenty percent (20%) of the First Diagnosis heart attack benefit. Both must
be after the waiting period and this rider is in force with respect to the insured. Each insured is limited to one (1) First Diagnosis Heart
Attack Benefit and First Major Heart Surgery Benefit under the terms of this rider.
Cash Value Benefit Rider
This Rider will pay You a Cash Value benefit beginning with the day after the Fifth Rider Anniversary date. The cash value benefit paid will
be the Original Premium paid on or after the rider Effective date less any claims paid multiplied by the applicable percentage as shown in
the rider.
The Cash Value Benefit will be paid if any of the following conditions are met:
o
You surrender the policy after the Fifth Rider Anniversary Date
o
You die after the Fifth Rider Anniversary date
o
You fail to pay the premium required to keep this Rider in force after the Fifth Rider Anniversary Date
o
the Policy to which this Rider is attached terminates after the Fifth Rider Anniversary Date
Give us a call for a personalized, no-obligation spreadsheet listing plan benefits and premiums from many top insurance companies doing
business in Louisiana. Let us help you find insurance coverage that best fits all your requirements within a reasonable premium range.
(225) 612-4589
Fill In Our Online Form For More Information
or you can most certainly give us a call:
Monday-Friday 9am-9pm
Saturday 9am-6pm
18543 Belle Grove Road Prairieville, La. 70769
6369 Catina Street New Orleans, LA 70124
225-612-4589
“Serving Louisiana Residents Exclusively Since 1986”
"Representing over 20+ insurance companies to better serve you"
Cancer
