Page 17 - Customer-Booklet_Texas
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The amount payable for the Diagnosis of a Heart Attack, Stroke, or Heart Transplant is equal to the
percentage times the Heart and Stroke Restoration Benefit Amount shown on the Policy Schedule
Page or policy endorsement. The percentage of the Heart and Stroke Restoration Benefit Amount
payable is shown in the chart below.
Time Period From Last Date of % of Restoration Benefit Maximum Percentage of
Diagnosis for a Heart Attack, Amount Payable for a Benefit Amount Payable
Stroke. or Heart Transplant Heart Attack, Stroke, or
Heart Transplant 100%
Less than 24 months
24 months or more but less than 5 years 0%
5 years or more but less than 10 years
10 years or more 25%
75%
100%
If an Insured Person receives benefits payable for a Heart Attack, Stroke, or Heart Transplant that is
less than 100% of the Heart and Stroke Restoration Benefit Amount payable and later receives a
Diagnosis for a different Heart Attack, Stroke, or Heart Transplant, We will pay the specified
percentage in the chart above, less any prior amounts paid or payable under this benefit. However,
for the Heart and Stroke Restoration Benefit to be payable, such Heart and Stroke Restoration Benefit
Diagnosis must be separated by at least twenty-four (24) consecutive months from an Insured Person’s
last Date of Diagnosis for a Heart Attack, Stroke, or Heart Transplant under the Rider.
After payment of the maximum percentage of the Heart and Stroke Restoration Benefit Amount for
an Insured Person shown in the chart above, coverage for that Insured Person will terminate under
the Rider.
EXCLUSIONS AND LIMITATIONS The exclusions and limitations that apply to the Rider are the same
as the Exclusions and Limitations of the Policy.
LUMP SUM CANCER RIDER (LY-LSC-RD-FL)
CANCER DIAGNOSIS BENEFIT Subject to the Reduction Schedule and Benefit Payment Conditions
listed below, if an Insured Person receives a Diagnosis of Cancer from a Physician, We will pay You
the Cancer Diagnosis Benefit Amount, shown on the Policy Schedule Page or policy endorsement.
After payment of the Cancer Diagnosis Benefit Amount for an Insured Person, coverage for that
Insured Person under the Rider will terminate.
BENEFIT PAYMENT CONDITIONS Payment of the Cancer Diagnosis Benefit shall be subject to the
following conditions:
a. Diagnosis must be made within the United States;
b. the Date of Diagnosis shall occur while the Insured Person is covered by the Rider; and
c. payment shall be precluded by any general or specific exclusion, limitation, or reduction set forth in
the Rider and the policy (including, without limitation, the exclusion for any Pre-Existing Condition)
or any failure by the Insured Person to meet any condition precedent.
REDUCTION SCHEDULE The Cancer Diagnosis Benefit Amount shall be reduced during the first thirty
(30) Days immediately following the Rider Effective Date. The reduced Benefit Amount for Cancer will
be ten percent (10%) of the Cancer Diagnosis Benefit Amount shown on the Policy Schedule Page or
policy endorsement.
In the event an Insured Person is Diagnosed with Cancer within the first thirty (30) Days following
their Rider Effective Date and the reduced Benefit Amount for Cancer is paid, no other benefits shall
be payable and coverage for that Insured Person under the Rider will terminate.
LY-LSH-OC-B-FL 4 10/13
percentage times the Heart and Stroke Restoration Benefit Amount shown on the Policy Schedule
Page or policy endorsement. The percentage of the Heart and Stroke Restoration Benefit Amount
payable is shown in the chart below.
Time Period From Last Date of % of Restoration Benefit Maximum Percentage of
Diagnosis for a Heart Attack, Amount Payable for a Benefit Amount Payable
Stroke. or Heart Transplant Heart Attack, Stroke, or
Heart Transplant 100%
Less than 24 months
24 months or more but less than 5 years 0%
5 years or more but less than 10 years
10 years or more 25%
75%
100%
If an Insured Person receives benefits payable for a Heart Attack, Stroke, or Heart Transplant that is
less than 100% of the Heart and Stroke Restoration Benefit Amount payable and later receives a
Diagnosis for a different Heart Attack, Stroke, or Heart Transplant, We will pay the specified
percentage in the chart above, less any prior amounts paid or payable under this benefit. However,
for the Heart and Stroke Restoration Benefit to be payable, such Heart and Stroke Restoration Benefit
Diagnosis must be separated by at least twenty-four (24) consecutive months from an Insured Person’s
last Date of Diagnosis for a Heart Attack, Stroke, or Heart Transplant under the Rider.
After payment of the maximum percentage of the Heart and Stroke Restoration Benefit Amount for
an Insured Person shown in the chart above, coverage for that Insured Person will terminate under
the Rider.
EXCLUSIONS AND LIMITATIONS The exclusions and limitations that apply to the Rider are the same
as the Exclusions and Limitations of the Policy.
LUMP SUM CANCER RIDER (LY-LSC-RD-FL)
CANCER DIAGNOSIS BENEFIT Subject to the Reduction Schedule and Benefit Payment Conditions
listed below, if an Insured Person receives a Diagnosis of Cancer from a Physician, We will pay You
the Cancer Diagnosis Benefit Amount, shown on the Policy Schedule Page or policy endorsement.
After payment of the Cancer Diagnosis Benefit Amount for an Insured Person, coverage for that
Insured Person under the Rider will terminate.
BENEFIT PAYMENT CONDITIONS Payment of the Cancer Diagnosis Benefit shall be subject to the
following conditions:
a. Diagnosis must be made within the United States;
b. the Date of Diagnosis shall occur while the Insured Person is covered by the Rider; and
c. payment shall be precluded by any general or specific exclusion, limitation, or reduction set forth in
the Rider and the policy (including, without limitation, the exclusion for any Pre-Existing Condition)
or any failure by the Insured Person to meet any condition precedent.
REDUCTION SCHEDULE The Cancer Diagnosis Benefit Amount shall be reduced during the first thirty
(30) Days immediately following the Rider Effective Date. The reduced Benefit Amount for Cancer will
be ten percent (10%) of the Cancer Diagnosis Benefit Amount shown on the Policy Schedule Page or
policy endorsement.
In the event an Insured Person is Diagnosed with Cancer within the first thirty (30) Days following
their Rider Effective Date and the reduced Benefit Amount for Cancer is paid, no other benefits shall
be payable and coverage for that Insured Person under the Rider will terminate.
LY-LSH-OC-B-FL 4 10/13
