Limitations and exclusions apply. This policy has exclusions, limitations and terms under which the policy may be continued in force or discontinued. Reduction of benefits may apply based on plan design.
THIS IS A LIMITED POLICY.
A pre-existing condition limitation may apply.
For Critical Illness insurance, the following exclusions may apply: (1) self-inflicted injury; (2) suicide or attempted suicide; (3) the insured's commission of a felony for which the insured was convicted in a court of competent jurisdiction; (4) the insured's use of alcohol; (5) the insured's voluntary use of prescription drugs, non-prescription drugs, illegal drugs, medications, poisons, gases, fumes, or other substances taken, absorbed, inhaled, ingested, or injected unless taken or used as prescribed by a Physician, or an over-the-counter drug as directed by the manufacturer; (6) motor vehicle collision or accident where the insured is the operator of the motor vehicle and the insured's blood alcohol level meets or exceeds the level at which intoxication is defined in the state where the collision or accident or occurred; or (7) war or any act of war (not including acts of terrorism), whether declared or undeclared.
For Cancer insurance, the following exclusions may apply: (1) injury or sickness other than Cancer; (2) expenses the covered person is not legally obligated to pay or those charged only because the covered person has insurance; (3) treatment or services performed outside of the United States.
Exclusions may vary by state.
This is a summary of plan provisions related to insurance policies issued by Securian Life Insurance Company. In the event of discrepancy between this information and the policy, the terms of the policy apply. Product availability and features may vary by state. The Critical Illness insurance product is offered under policy form series 24-51472 or state variation thereof. The Cancer only insurance product is offered under policy form series 17-50995. Benefits for covered conditions will be payable upon diagnosis of a covered condition that satisfies the requirements of the policy and when all other policy requirements are met.
