Critical Illness Insurance

Critical illness insurance for the living.

Plan for the unexpected.

In the U.S. alone, 1.9 million new cancer cases were diagnosed in 2022.
_{(Cancer Facts and Figures 2022. American Cancer Society)}

Approximately 800,000 strokes will occur this year in the U.S., one occurring every 40 seconds.
_{(Heart Disease and Stroke Statistics–2022 Update: A Report from the American Heart Association)}

There are 7 million stroke survivors in the United States. 60% of strokes occur in women.
_{(Stroke Awareness Foundation, https://strokeinfo.org/stroke-facts-statistics/, accessed on 12-29-22.)}

About 126.9 million Americans have one or more types of heart disease or stroke.
_{(Heart Disease and Stroke Statistics 2022. American Heart Association. 2022.)} 

Each year, an American will suffer a heart attack about every 40 seconds.
_{(Heart Disease and Stroke Statistics 2022. American Heart Association. 2022.)} 

Benefits you can count on.

Money available when you need it, for what you need.

Your money can be used for anything you please.

Coverage for critical illness* beyond your health plan.
_{*As defined in the policy}

If you are not diagnosed with one of the covered critical illness conditions, Western & Southern Life will return 100% of your premium.*
_{*As defined in the policy. Excluding Accidental Death Benefit premiums paid, without interest and minus any claims paid, to your beneficiary upon your death. If the sum of the benefits paid is equal to or greater than the sum of the premiums paid, there will be no return of premium. Return of Premium is not available in all states. With Critical Illness, your benefit amount will reduce by 50% at age 65. For an insured who is age 60 or older at issue, the 50% reduction of benefits will occur on the fifth anniversary of the policy date. The premium does not reduce.}

Talk to your Western & Southern Life representative for more information.

©2021, 2023 The Western and Southern Life Insurance Company
Critical Illness does not replace the need for health insurance.
Exceptions and Limitations. This policy does not cover any loss of the Insured caused by the following: (a) intentionally self-inflicted injury, while sane or insane; (b) the use or intake of any drug, intoxicant or narcotic, other than as prescribed and administered by or in accordance with the instruction of a Legally Qualified Physician; (c) the Insured’s operation of a motor vehicle while the Insured’s blood alcohol concentration is in excess of the legal limit in the state in which the incident occurs; (d) committing or attempting to commit a felony; (e) loss resulting from, or service in the armed forces or auxiliary units; (f) while engaging in an illegal occupation; or (g) participating in a riot or insurrection. This policy will cover only the following skin cancers: (1) invasive malignant melanoma in the dermis or deeper; and (2) skin malignancies that have become Life Threatening Cancers, as described in the Definitions section, above. No benefits are payable for any medical conditions or surgical treatments other than the Critical Illness Insured Conditions defined in this policy.
Western & Southern Life is the marketing name for The Western and Southern Life Insurance Company, Cincinnati, Ohio, which operates in DC and all states except AK, ME, MA and NY. Limited Benefit Policy series 0907-80 and 0907-80-U issued by The Western and Southern Life Insurance Company.
Critical Illness coverage is not comprehensive health insurance coverage (often referred to as “Major Medical Coverage”).  It does not satisfy the individual mandate of the Patient Protection and Affordable Care Act. It does not meet the requirements of minimum essential coverage as defined by federal law.
This policy contains exclusions, limitations, reduction of benefits and terms for keeping them in force. Product availability, benefits, coverage, exclusions and limitations may vary by state and may not be available in all states. Please check for the variation approved in your state. Refer to your policy for specific terms and definitions.
Western & Southern Life does not provide tax or legal advice. Please contact your tax or legal advisor regarding your situation.

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