A lump sum benefit payable if you are diagnosed with a Critical Condition as defined in your policy and you satisfy the survival waiting period.

Level Critical Condition Benefit:
Remains level to age 65, to age 75, to age 75 (20 or 30 year pay), lifetime (paid up at age 100) or Term 10 renewable to age 75.

Decreasing Critical Condition Benefit:
Decreases over 10, 15, 20 or 25 years.

* Medical evidence required at time of application.