Policy Form CANLS

When cancer strikes, it shows no favoritism.  Everyone is a candidate - infants, teens, single, married, middle-age, seniors.  Many of you may even know of family members and friends who have been diagnosed.  That's why your first and best line of defense against a first-time cancer diagnosis is United American's First Cash Cancer Plan.

• Choice of cash benefit amount up to $50,000
• Issue ages 0-69¹
• Pays a one-time, lump sum, cash benefit as listed in the policy schedule
• Only the health of the proposed insured is considered for eligibility - heredity not an issue

• No physical exam required to qualify - just a few simple health questions
• Designed for individual, single parent, and family coverage
• No reduction in benefits at age 65
• Issue-age premiums - no increase due to aging - increases only on a class basis by state
• Guaranteed renewable coverage until person's one-time cash benefit is received.
• Only 30-day waiting period before eligible for benefit payment

¹ CA issue ages 0-64

• Pays Maximum Benefit Amount in Cash - as listed in the policy schedule up to $50,000 on first diagnosis of internal cancer or malignant melanoma
• The money comes directly to you in cash, one time and all of it - upon satisfactory written pathological proof of diagnosis
• You receive your total cash benefit due - whether or not you are hospitalized, whether or not you receive treatment

• You know exactly how much money you can count on getting to help with all the costs - no surprises or reduction
• You decide what to do with the money - the finest medical care (specialized or even abroad), experimental procedures, cosmetic recontructive surgery, transportation and lodging for relatives, home care, paid-up mortgage, income while you are not working, deductibles, and coinsurance for other coverage - you decide!
• This policy pays in addition to any other existing coverage

Limitations and Exclusions
This policy pays a benefit only for First Diagnosis of internal cancer or malignant melanoma.  Pathological proof² thereof must be submitted.  The following are not considered cancer for the purposes of this policy:  Skin Cancer, Carcinoma in Situ, Stage 1 of Hodgkin's Disease, Stage A Prostate Cancer, and Melanoma that is diagnosed as Clark's Level I or II or Breslow less than 0.75 mm.  This policy does not provide benefits for any other disease or sickness or incapacity.

This policy contains a 30-day "waiting period."  That means that the Benefit is not payable to anyone who has Cancer diagnosed before the policy has been in force 30 days from the "Effective Date" shown in the Policy Schedule.  If a Covered Person has Cancer first diagnosed during the "waiting period" the Covered Person may void the policy from the beginning and receive a full refund of premium.

This policy will not pay benefits if the diagnosis of cancer is made by You or a member of Your immediate family or household.

This policy will not pay benefits if the diagnosis of cancer is made outside the United States of America.

²Clinical Diagnosis, IL, UT, & WV.

For more information, a complete brochure, or rates contact Robyn Hamlin by phone at 314-438-0222 or email.