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Cancer 1000 Insurance

If you are diagnosed with cancer, how will you pay for what your health insurance won't?

Colonial Supplemental Insurance cancer coverage offers the protection you need to concentrate on what is most important - your care.

Features of Colonial's Cancer Insurance:

1. Pays regardless of any other insurance you have with other insurance companies.
2. Provides a cancer screening benefit that you can use even if you are never diagnosed with cancer.
3. Guaranteed renewable as long as premiums are paid when due.
4. Benefits paid directly to you unless you specify otherwise.
5. You can take your coverage with you even if you change jobs or leave your employer.
6. Flexible coverage options for employees and their families.

About 1,372,910 new cases were expected to be diagnosed in 2005. ¹

_{1. Cancer Facts & Figures, American Cancer Society, 2005}

COLONIAL LIFE & ACCIDENT INSURANCE COMPANY - (Applicable to Policy Form C1000-NC)CANCER INSURANCE

We will pay the following benefits if certain routine cancer screening tests are performed or if cancer is diagnosed after the waiting period and while your policy is in force. This policy has limitations that may affect benefits payable. Most benefits require that a charge be incurred

To file a claim for a covered cancer screening/wellness test, it is not necessary to complete a claim form. Call out toll-free Customer Service number, 1-800-325-4368, with the medical information.

WAIVER OF PREMIUM

If the named insured becomes disabled because of cancer for longer than 3 continuous months (90 days), and the first date of diagnosis is after the waiting period and while this policy is in force, you will not be required to pay premiums to keep your policy in force as long as you are disabled. A month is 30 days. Disabled means you are unable to work at any job for which you are qualified by reason of education, training or experience; you are not, in fact, working at any job for pay or benefits; and you are under the care of a doctor for the treatment of cancer. If you do not have a job, we will not require you to pay premiums only as long as you are under the care of a doctor. No lifetime limit.

THIS IS A CANCER ONLY POLICY

Read your policy carefully. This document provides a very brief description of the important features of your policy. This is not an insurance contract and only the actual policy provisions will control. The policy sets forth in detail the rights and obligations of both you and us. It is, therefore, important that you READ YOUR POLICY CAREFULLY.
Renewability. Your policy is guaranteed renewable. Your premium can be changed only if we change it on all policies of this kind in force in the state where your policy was issued.
Cancer. Your policy is designed to provide coverage ONLY for cancer and cancer screening procedures, subject to any limitations in your policy. The policy does not provide coverage for basic hospital, basic medical-surgical or major medical expenses. This policy provides benefits if the first date of diagnosis of cancer or the performance of a cancer screening test occurs: while your policy is in force; after the waiting period has been satisfied; and if the cancer or treatment is not excluded by name or specific description in the policy. Drugs received for the treatment of cancer must be approved by the United States Food and Drug Administration and treatment for cancer must be received within the United States. If the first date of diagnosis of your cancer is before the end of the waiting period, coverage for that cancer will apply only to loss commencing after this policy has been in force twelve months. Any cancer screening test performed before the end of the waiting period will not be covered. Cancer must be pathologically or clinically diagnosed. If cancer is not diagnosed until after you die, we will only pay benefits for the treatment of cancer performed during the 45 day period before your death.

DEFINITIONS

Bone Marrow Stem Cell Transplant: means the harvesting, storage, and reinfusion of bone marrow stem cells from a matched donor or yourself, performed under general anesthesia or intravenous (IV) sedation. Cancer: means a disease which is identified by the presence of malignant cells or a malignant tumor characterized by the uncontrolled and abnormal growth and spread of invasive malignant cells. Pre-malignant conditions or conditions with malignant potential are not to be construed as cancer for the purposes of this policy. Confined or Confinement: means the assignment to a bed as a resident inpatient in a hospital on the advice of a physician or confinement in an observation unit within a hospital for a period of no less than 20 continuous hours on the advice of a physician. Date of Diagnosis: is the day the tissue specimen, blood sample(s), and/or titer(s) are taken upon which the first diagnosis of cancer is based. Dependents: means your natural children, step-children, legally adopted children or children placed into your custody for adoption who are: unmarried; chiefly dependent on you or your spouse for support; living with you in a regular parent-child relationship; and younger than age 25. Doctor or Physician: means a person, other than yourself or a family member, who is licensed by the state to practice a healing art, performs services for you which are allowed by his/her license and performs services for which benefits are provided by this policy. Experimental treatment: means drugs or chemical substances that are pending approval by the United States Food and Drug Administration for use in the treatment of cancer and surgery or therapy endorsed by either the National Cancer Institute or the American Cancer Society for experimental studies. Family Member: means your spouse, son, daughter, mother, father, sister or brother. Hospice: means an organization that provides care for the terminally ill that is: licensed by a governmental agency; accredited by the Joint Commission on Accreditation of Hospitals; or qualified to receive benefit payments from Medicare or Medicaid. The organization must have on its staff at least one doctor and one registered nurse and must keep complete medical records for each patient. Hospital: means a place that is run according to law on a full-time basis; provides overnight care of injured and sick people; is supervised by a doctor; has full-time nurses supervised by a registered nurse; and has at its locations or uses on a pre-arranged basis X-ray equipment, a laboratory, and an operating room where surgical operations take place. A hospital does not include a nursing home, an extended care facility, a skilled nursing care facility; a rest home, a home for the aged, an assisted living center, a hospice care facility, a rehabilitation center, or a place for alcoholics or drug addicts. Oral Chemotherapy: means chemotherapy taken by mouth. Outpatient Surgical Center: means a place that is equipped to perform outpatient surgical procedures performed by qualified physicians; provides anesthesia, other than local, by a licensed anesthesiologist or Certified Registered Nurse Anesthetist; and has written agreements with local hospitals to accept patients immediately who develop complications. Pathologist: means a doctor, other than yourself or family member, who is licensed to practice medicine and who is also licensed to practice pathologic anatomy by the American Board of Pathology. A pathologist also means an osteopathic pathologist who is certified by the Osteopathic Board of Pathology. Peripheral Stem Cell Transplant: means the harvesting, storage, and reinfusion of peripheral stem cells taken from yourself or a matched donor. Reconstructive Surgery: means surgery for the purpose of reconstruction of anatomic defects that result from treatment of internal (not skin) cancer. Skilled Nursing Care Facility: means a place where you go to recover from an illness and that: is a legally operated facility that can be a wing or part of a hospital; operates 24 hours a day and will accept inpatients on an overnight basis; is supervised by a doctor; has a 24-hour a day nursing staff which is supervised by a registered nurse; and keeps written daily records for each patient. Notwithstanding the above, a skilled nursing care facility is not a: rest home or home for the aged; place that provides mostly custodial care; or place for alcoholics or drug addicts. Skin Cancer: means melanoma of Clark's level I or II (Breslow less than .75mm); basal cell carcinoma; or squamous cell carcinoma of the skin. Supportive or Protective Care Drugs and Colony Stimulating Factors: means bone marrow growth factors, radiation and chemotherapy protectants, and medications that promote bone growth. Topical Chemotherapy: means a chemotherapy drug placed directly onto the skin. U.S. Government Hospital: means a hospital that is funded by the U.S. Government primarily for military enlisted personnel and their families and military veterans. Waiting Period: means the first 30 days following each insured person's coverage effective date during which no benefits are payable.

Optional Header

The following three optional riders are available to be added to your Colonial Cancer insurance plan. When you add a rider to your Colonial Cancer insurance policy, you add additional financial protection.

Read your riders carefully. This document provides a very brief description of the important features of these riders. This is not an insurance contract and only the actual policy and rider provisions will control. The policy and rider set forth in detail the rights and obligations of both you and us. It is, therefore, important that you READ YOUR POLICY AND RIDER CAREFULLY.

Renewability. The Initial Diagnosis of Cancer, Progressive Payment of Cancer and Specified Disease Hospital Confinement Riders highlighted below are guaranteed renewable for as long as the policy to which they are attached is in force. Your premium can be changed only if we change it on all riders of this kind in force in the state where your rider was issued.

INITIAL DIAGNOSIS OF CANCER RIDER

(Applicable to Rider Form R-C1000-Indx)

Rider Benefits: This rider pays a lump sum benefit for the initial (first) diagnosis of internal (not skin) cancer that occurs after the waiting period. Use the benefit to help deal with out of pocket expenses. This benefit is payable once per person insured under the policy and identified on the Schedule Page.

Cancer. Your rider is designed to provide coverage ONLY for cancer, subject to any limitations in your rider. The rider does not provide coverage for basic hospital, basic medical-surgical or major medical expenses. The rider provides benefits only if the date of diagnosis of cancer is while your rider is in force and after the waiting period has been satisfied. We will not pay this benefit if the first date of diagnosis of your cancer is before the end of the waiting period.

DEFINITIONS

Cancer: means a disease which is identified by the presence of malignant cells or a malignant tumor characterized by the uncontrolled and abnormal growth and spread of invasive malignant cells. Pre-malignant conditions or conditions with malignant potential are not to be construed as Cancer for the purposes of this rider. Skin Cancer: means melanoma of Clark's Level I or II (Breslow less than .75mm); basal cell carcinoma; or squamous cell carcinoma of the skin. Waiting Period: means the first 30 days following each insured person's coverage effective date during which time no benefits are payable.

INITIAL DIAGNOSIS OF CANCER PROGRESSIVE PAYMENT RIDER

(Applicable to Rider Form R-C1000-Prog)

Rider Benefits: After the waiting period and when internal cancer is first diagnosed, we will pay a progressive payment of $50 for each month your rider has been inforce after the waiting period and before internal (not skin) cancer is first diagnosed. A month is 30 days. We will not pay this benefit for skin cancer.

The Progressive Payment stops adding up for any person insured by the policy on the policy anniversary after his 65th birthday. We will pay this benefit only once for each person insured by this rider.

Cancer: Your rider is designed to provide coverage ONLY for cancer, subject to any limitations in your rider. The rider does not provide coverage for basic hospital, basic medical-surgical or major medical expenses. The rider provides benefits only if the date of diagnosis of cancer is while your rider is in force and after the waiting period has been satisfied. We will not pay this benefit if the first date of diagnosis of your cancer is before the end of the waiting period.

DEFINITIONS

Cancer: means a disease which is identified by the presence of malignant cells or a malignant tumor characterized by the uncontrolled and abnormal growth and spread of invasive malignant cells. Pre-malignant conditions or conditions with malignant potential are not to be construed as Cancer for the purposes of this rider. Skin Cancer: means melanoma of Clark's Level I or II (Breslow less than .75mm); basal cell carcinoma; or squamous cell carcinoma of the skin. Waiting Period: means the first 30 days following each insured person's coverage effective date during which time no benefits are payable.

SPECIFIED DISEASE HOSPITAL CONFINEMENT RIDER

(Applicable to Rider Form R-C1000-SpDis)

We will pay up to a maximum of $125,000 during your lifetime for hospital confinements related to the treatment of the specified diseases listed above.

Specified Disease: Your rider is designed to provide coverage ONLY for specified disease, subject to any limitations in your rider. The rider does not provide coverage for basic hospital, basic medical-surgical or major medical expenses. The rider provides benefits only if the date of diagnosis of specified disease is while your rider is in force and after the waiting period has been satisfied. We will not pay this benefit if the first date of diagnosis of your specified disease is before the end of the waiting period.

DEFINITIONS

Confinement: means the assignment to a bed as a resident inpatient in a hospital on the advice of a physician or confinement in an observation unit within a hospital for a period of no less than 20 continuous hours on the advice of a physician. Hospital: means a place that is run according to law on a full-time basis; provides overnight care of injured and sick people; is supervised by a doctor; has full-time nurses supervised by a registered nurse; and has at its locations or uses on a pre-arranged basis X-ray equipment, a laboratory, and an operating room where surgical operations take place. A hospital does not include a nursing home, an extended care facility, a rest home, a home for the aged, a skilled nursing facility, a rehabilitation center, or a place for alcoholics or drug addicts. Waiting Period: means the first 30 days following each insured person's coverage effective date during which time no benefits are payable.

There are additional levels with lower premiums available. See your Benefits Representative when they are at your worksite for details.