AK, HI, IA, KY, LA, MI, NE, NM, NV, OH, SC, WY    

EXCLUSIONS AND LIMITATIONS

After a 60 day waiting period, the policy provides benefits only for First Diagnosis of Heart Attack and for First Major Heart Surgery performed on a covered person. The policy does not cover any other disease or sickness or incapacity; this is so even though such other disease or incapacity may have been complicated, affected (directly or indirectly) or caused by Heart Attack or First Major Heart Surgery. First Major Heart Surgery does not include cardiac catheterization or any type of surgery on the pericardium; no Surgery Benefit is payable for these procedures. No benefits are payable for a First Diagnosis of Heart Attack or First Major Heart Surgery during the waiting period.

PRE-EXISTING CONDITION LIMITATIONS
A First Diagnosis Heart Attack Benefit or First Major Heart Surgery Benefit will not be paid for any diagnosis or procedure resulting from a Pre-Existing Condition regardless of when such diagnosis or procedure is made.

PRE-EXISTING CONDITION means a Heart Attack or heart condition for which diagnosis, advice or treatment is given, or for which signs or symptoms existed which would have caused an ordinarily prudent person to have sought diagnosis, advice or treatment, prior to the Effective Date of coverage.

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AL

EXCLUSIONS AND LIMITATIONS

After a 60 day waiting period, the policy provides benefits only for First Diagnosis of Heart Attack and for First Major Heart Surgery performed on a covered person. The policy does not cover any other disease or sickness or incapacity; this is so even though such other disease or incapacity may have been complicated, affected (directly or indirectly) or caused by Heart Attack or First Major Heart Surgery. First Major Heart Surgery does not include cardiac catheterization or any type of surgery on the pericardium; no Surgery Benefit is payable for these procedures. No benefits are payable for a First Diagnosis of Heart Attack or First Major Heart Surgery during the waiting period.

PRE-EXISTING CONDITION LIMITATIONS
No language in this Policy shall be construed to cause any benefits to be payable for two (2) year from the Effective Date of this Policy for a First Diagnosis Cancer resulting from a Pre-Existing Condition.

PRE-EXISTING CONDITION means a Heart Attack or heart condition for which diagnosis, advice or treatment is given five (5) years prior to the Effective Date of the policy. Benefits for a Pre-Existing Condition will be excluded for two (2) years from the Effective Date of the policy.

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AR

EXCLUSIONS AND LIMITATIONS

After a 30 day waiting period, the policy provides benefits only for First Diagnosis of Heart Attack and for First Major Heart Surgery performed on a covered person. The policy does not cover any other disease or sickness or incapacity; this is so even though such other disease or incapacity may have been complicated, affected (directly or indirectly) or caused by Heart Attack or First Major Heart Surgery. First Major Heart Surgery does not include cardiac catheterization or any type of surgery on the pericardium; no Surgery Benefit is payable for these procedures. No benefits are payable for a First Diagnosis of Heart Attack or First Major Heart Surgery during the waiting period.

PRE-EXISTING CONDITION LIMITATIONS
Benefits for a Pre-Existing Condition will be excluded for two (2) years from the Effective Date of the policy.

PRE-EXISTING CONDITION means a Heart Attack or heart condition for which diagnosis, advice or treatment is given, or for which signs or symptoms existed which would have caused an ordinarily prudent person to have sought diagnosis, advice or treatment, within the five (5) years prior to the Effective Date of the policy. Benefits for a Pre-Existing Condition will be excluded for two (2) years from the Effective Date of the policy.

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AZ

EXCLUSIONS AND LIMITATIONS

After a 60 day waiting period, the policy provides benefits only for First Diagnosis of Heart Attack and for First Major Heart Surgery performed on a covered person. The policy does not cover any other disease or sickness or incapacity; this is so even though such other disease or incapacity may have been complicated, affected (directly or indirectly) or caused by Heart Attack or First Major Heart Surgery. First Major Heart Surgery does not include cardiac catheterization or any type of surgery on the pericardium; no Surgery Benefit is payable for these procedures. Benefits are reduced for a First Diagnosis of Heart Attack or First Major Heart Surgery during the waiting period.

PRE-EXISTING CONDITION LIMITATIONS
A First Diagnosis Heart Attack Benefit or First Major Heart Surgery Benefit will not be paid for any diagnosis or procedure resulting from a Pre-Existing Condition regardless of when such diagnosis or procedure is made.

PRE-EXISTING CONDITION means a Heart Attack or heart condition for which diagnosis, advice or treatment is given, or for which signs or symptoms existed which would have caused an ordinarily prudent person to have sought diagnosis, advice or treatment, prior to the Effective Date of coverage.

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CA

EXCLUSIONS AND LIMITATIONS

After a 60 day waiting period, the policy provides benefits only for First Diagnosis of Heart Attack and for First Major Heart Surgery performed on a covered person. The policy does not cover any other disease or sickness or incapacity. Heart Attack will not be a covered condition when any advice or treatment received within the Waiting Period, or prior to the Effective Date, leads to the First Diagnosis of Heart Attack. Each Insured can only have one First Diagnosis in their lifetime. If a Heart Attack is diagnosed, or First Major Heart Surgery is advised or performed during the Waiting Period, the Insured has the option to cancel the policy and receive a refund of any premiums paid. First Major Heart Surgery does not include cardiac catheterization or any type of surgery on the pericardium; no Surgery Benefit is payable for these procedures.

PRE-EXISTING CONDITION LIMITATIONS
Benefits for a Pre-Existing Condition will be excluded for two (2) years from the Effective Date of the policy.

PRE-EXISTING CONDITION means a Heart Attack or heart condition for which diagnosis, advice or treatment is given, or for which signs or symptoms existed which would have caused an ordinarily prudent person to have sought diagnosis, advice or treatment, prior to the Effective Date of coverage.

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CO

EXCLUSIONS AND LIMITATIONS

After a 60 day waiting period, the policy provides benefits only for First Diagnosis of Heart Attack and for First Major Heart Surgery performed on a covered person. The policy does not cover any other disease or sickness or incapacity; this is so even though such other disease or incapacity may have been complicated, affected (directly or indirectly) or caused by Heart Attack or First Major Heart Surgery. First Major Heart Surgery does not include cardiac catheterization or any type of surgery on the pericardium; no Surgery Benefit is payable for these procedures. No benefits are payable for a First Diagnosis of Heart Attack or First Major Heart Surgery during the waiting period.

PRE-EXISTING CONDITION LIMITATIONS
A First Diagnosis Heart Attack Benefit or First Major Heart Surgery Benefit will not be paid for any diagnosis or procedure resulting from a Pre-Existing Condition regardless of when such diagnosis or procedure is made.

PRE-EXISTING CONDITION means a Heart Attack or heart condition for which diagnosis, advice or treatment is given, or for which signs or symptoms existed which would have caused an ordinarily prudent person to have sought diagnosis, advice or treatment, within the twelve (12) months prior to the Effective Date of the policy.

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DE

EXCLUSIONS AND LIMITATIONS

After a 30 day waiting period, the policy provides benefits only for First Diagnosis of Heart Attack and for First Major Heart Surgery performed on a covered person. The policy does not cover any other disease or sickness or incapicity. First Major Heart Surgery does not include cardiac catheterization or any type of surgery on the pericardium; no Surgery Benefit is payable for these procedures.

PRE-EXISTING CONDITION LIMITATIONS
A First Diagnosis Heart Attack Benefit or First Major Heart Surgery Benefit will not be paid for any diagnosis or procedure resulting from a Pre-Existing Condition regardless of when such diagnosis or procedure is made.

PRE-EXISTING CONDITION means a Heart Attack or heart condition for which the existence of signs or symptoms would have caused an ordinarily prudent person to have sought diagnosis, care or treatment within a five (5) year period prior to the Effective Date of the policy or for which medical advice or treatment was recommended by a physician or received from a physician within a five (5) year period prior to the Effective Date of the policy.

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ID

EXCLUSIONS AND LIMITATIONS

After a 30 day waiting period, the policy provides benefits only for First Diagnosis of Heart Attack and for First Major Heart Surgery performed on a covered person. The policy does not cover any other disease or sickness or incapacity; this is so even though such other disease or incapacity may have been complicated, affected (directly or indirectly) or caused by Heart Attack or First Major Heart Surgery. First Major Heart Surgery does not include cardiac catheterization or any type of surgery on the pericardium; no Surgery Benefit is payable for these procedures.

PRE-EXISTING CONDITION LIMITATIONS
Benefits for a Pre-Existing Condition will be excluded for twelve (12) months from the Effective Date of the policy.

PRE-EXISTING CONDITION means a Heart Attack or heart condition for which medical advice, diagnosis, care, or treatment was recommended or received from a physician within the six (6) month period preceding the Effective Date of coverage.

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IL

EXCLUSIONS AND LIMITATIONS

After a 30-day waiting period, the policy provides benefits only for First Diagnosis of Heart Attack and for First Major Heart Surgery performed on a covered person. The policy does not cover any other disease or sickness or incapacity. First Major Heart Surgery does not include cardiac catheterization or any type of surgery on the pericardium; no Surgery Benefit is payable for these procedures.

First Diagnosis Heart Attack or First Major Heart Surgery benefits will not be payable when any advice or treatment received within the waiting period, or prior to the Effective Date, leads to the First Diagnosis of Heart Attack or First Major Heart Surgery. If a Heart Attack is diagnosed, or First Major Heart Surgery is advised or performed, during the waiting period, the insured has the option to cancel the policy and receive a refund of any premiums paid.

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IN

EXCLUSIONS AND LIMITATIONS

After a 60 day waiting period, the policy provides benefits only for First Diagnosis of Heart Attack and for First Major Heart Surgery performed on a covered person. The policy does not cover any other disease or sickness or incapacity; this is so even though such other disease or incapacity may have been complicated, affected (directly or indirectly) or caused by Heart Attack or First Major Heart Surgery. First Major Heart Surgery does not include cardiac catheterization or any type of surgery on the pericardium; no Surgery Benefit is payable for these procedures.

PRE-EXISTING CONDITION LIMITATIONS
Benefits for a Pre-Existing Condition will be excluded for eighteen (18) months from the Effective Date of the policy.

PRE-EXISTING CONDITION means a Heart Attack or heart condition for which diagnosis, advice or treatment is given, or for which signs or symptoms existed which would have caused an ordinarily prudent person to have sought diagnosis, advice or treatment, within the twelve (12) months prior to the Effective Date of the policy.

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KS

EXCLUSIONS AND LIMITATIONS

After a 60 day waiting period, the policy provides benefits only for First Diagnosis of Heart Attack and for First Major Heart Surgery performed on a covered person. The policy does not cover any other disease or sickness or incapacity; this is so even though such other disease or incapacity may have been complicated, affected (directly or indirectly) or caused by Heart Attack or First Major Heart Surgery. First Major Heart Surgery does not include cardiac catheterization or any type of surgery on the pericardium; no Surgery Benefit is payable for these procedures.

PRE-EXISTING CONDITION LIMITATIONS
A First Diagnosis Heart Attack Benefit or First Major Heart Surgery Benefit will not be paid for any diagnosis or procedure resulting from a Pre-Existing Condition.

PRE-EXISTING CONDITION means a Heart Attack or heart condition for which diagnosis, advice or treatment is given, or for which signs or symptoms existed which would have caused an ordinarily prudent person to have sought diagnosis, advice or treatment, prior to the Effective Date of the policy. First Diagnosis Heart Attack or First Major Heart Surgery benefits will not be payable when any advice or treatment received within the waiting period, or prior to the Effective Date, leads to the First Diagnosis of Heart Attack or First Major Heart Surgery. If a Heart Attack is diagnosed, or First Major Heart Surgery is advised or performed, during the waiting period, the Insured has the option to cancel the policy and receive a refund of any premiums paid.

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MO

EXCLUSIONS AND LIMITATIONS

The policy provides benefits only for First Diagnosis of Heart Attack and for First Major Heart Surgery performed on a covered person. The policy does not cover any other disease or sickness or incapacity; this is so even though such other disease or incapacity may have been complicated, affected (directly or indirectly) or caused by Heart Attack or First Major Heart Surgery. First Major Heart Surgery does not include cardiac catheterization or any type of surgery on the pericardium; no Surgery Benefit is payable for these procedures.

PRE-EXISTING CONDITION LIMITATIONS
Benefits for a Pre-Existing Condition will be excluded for two (2) years from the Effective Date of the policy.

PRE-EXISTING CONDITION means a Heart Attack or heart condition for which diagnosis, advice or treatment is given, or for which signs or symptoms existed which would have caused an ordinarily prudent person to have sought diagnosis, advice or treatment, prior to the Effective Date of the policy. Benefits for a Pre-Existing Condition will be excluded for two (2) years from the Effective Date of the policy.

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MS

EXCLUSIONS AND LIMITATIONS

After a 60-day waiting period, the policy provides benefits only for First Diagnosis of Heart Attack and for First Major Heart Surgery performed on a covered person. The policy does not cover any other disease or sickness or incapacity; this is so even though such other disease or incapacity may have been complicated, affected (directly or indirectly) or caused by Heart Attack or First Major Heart Surgery. First Major Heart Surgery does not include cardiac catheterization or any type of surgery on the pericardium; no Surgery Benefit is payable for these procedures.

PRE-EXISTING CONDITION LIMITATIONS
Benefits for a Pre-Existing Condition will be excluded for twelve (12) months from the Effective Date of the policy or for six (6) months from the Effective Date of the policy if the Insured is age sixty-five (65) or older. A First Diagnosis Heart Attack Benefit will not be paid for any diagnosis or procedure resulting from a Pre-Existing Condition regardless of when such diagnosis or procedure is made.

PRE-EXISTING CONDITION means a Heart Attack or heart condition for which diagnosis, advice or treatment is given, or for which signs or symptoms existed which would have caused an ordinarily prudent person to have sought diagnosis, advice or treatment, within the twelve (12) months prior to the Effective Date of the policy.

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MT

EXCLUSIONS AND LIMITATIONS

After a 60 day waiting period, the policy provides benefits only for First Diagnosis of Heart Attack and for First Major Heart Surgery performed on a covered person. The policy does not cover any other disease or sickness or incapacity; this is so even though such other disease or incapacity may have been complicated, affected (directly or indirectly) or caused by Heart Attack or First Major Heart Surgery. First Major Heart Surgery does not include cardiac catheterization or any type of surgery on the pericardium; no Surgery Benefit is payable for these procedures.

PRE-EXISTING CONDITION LIMITATIONS
Benefits for a Pre-Existing Condition will be excluded for twelve (12) months from the Effective Date of the policy.

PRE-EXISTING CONDITION means a Heart Attack or heart condition for which diagnosis, advice or treatment is given within the five (5) years prior to the Effective Date of the policy.

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NC

EXCLUSIONS AND LIMITATIONS

After a 60 day waiting period, the policy provides benefits only for First Diagnosis of Heart Attack and for First Major Heart Surgery performed on a covered person. The policy does not cover any other disease or sickness or incapacity; this is so even though such other disease or incapacity may have been complicated, affected (directly or indirectly) or caused by Heart Attack or First Major Heart Surgery. First Major Heart Surgery does not include cardiac catheterization or any type of surgery on the pericardium; no Surgery Benefit is payable for these procedures. No benefits are payable for a First Diagnosis of Heart Attack or First Major Heart Surgery during the waiting period.

PRE-EXISTING CONDITION LIMITATIONS
A First Diagnosis Heart Attack Benefit or First Major Heart Surgery Benefit will not be paid for any diagnosis or procedure resulting from a Pre-Existing Condition regardless of when such diagnosis or procedure is made.

PRE-EXISTING CONDITION means a Heart Attack or heart condition for which diagnosis, advice or treatment is given, or for which signs or symptoms existed which would have caused an ordinarily prudent person to have sought diagnosis, advice or treatment, prior to the Effective Date of coverage.

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OK

EXCLUSIONS AND LIMITATIONS

After a 60 day waiting period, the policy provides benefits only for First Diagnosis of Heart Attack and for First Major Heart Surgery performed on a covered person. The policy does not cover any other disease or sickness or incapacity; this is so even though such other disease or incapacity may have been complicated, affected (directly or indirectly) or caused by Heart Attack or First Major Heart Surgery. First Major Heart Surgery does not include cardiac catheterization or any type of surgery on the pericardium; no Surgery Benefit is payable for these procedures.

PRE-EXISTING CONDITION LIMITATIONS
No First Diagnosis Heart Attack Benefit or First Major Heart Surgery Benefit will be paid for any diagnosis or procedure resulting from a Pre-Existing Condition regardless of when such diagnosis is made.

PRE-EXISTING CONDITION means a Heart Attack or heart condition for which diagnosis, advice or treatment is given, or for which signs or symptoms existed which would have caused an ordinarily prudent person to have sought diagnosis, advice or treatment, prior to the Effective Date of the policy.

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TN

EXCLUSIONS AND LIMITATIONS

After a 30 day waiting period, the policy provides benefits only for First Diagnosis of Heart Attack and for First Major Heart Surgery performed on a covered person. The policy does not cover any other disease or sickness or incapacity; this is so even though such other disease or incapacity may have been complicated, affected (directly or indirectly) or caused by Heart Attack or First Major Heart Surgery. First Major Heart Surgery does not include cardiac catheterization or any type of surgery on the pericardium; no Surgery Benefit is payable for these procedures.

PRE-EXISTING CONDITION LIMITATIONS
A First Diagnosis Heart Attack Benefit will not be paid for any diagnosis resulting from a Pre-Existing Condition regardless of when such diagnosis is made. A First Major Heart Surgery Benefit will not be paid during the first two (2) years following the Effective Date for any diagnosis resulting from a Pre-Existing Condition regardless of when such diagnosis is made.

PRE-EXISTING CONDITION means a Heart Attack or heart condition for which diagnosis, advice or treatment is given, or for which signs or symptoms existed which would have caused an ordinarily prudent person to have sought diagnosis, advice or treatment, prior to the Effective Date of the policy.
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TX

EXCLUSIONS AND LIMITATIONS

After a 60 day waiting period, the policy provides benefits only for First Diagnosis of Heart Attack and for First Major Heart Surgery performed on a covered person. The policy does not cover any other disease or sickness or incapacity; this is so even though such other disease or incapacity may have been complicated, affected (directly or indirectly) or caused by Heart Attack or First Major Heart Surgery. First Major Heart Surgery does not include cardiac catheterization or any type of surgery on the pericardium; no Surgery Benefit is payable for these procedures. No benefits are payable for a First Diagnosis of Heart Attack or First Major Heart Surgery during the waiting period.

PRE-EXISTING CONDITION means a Heart Attack or heart condition for which diagnosis, advice or treatment is given within five (5) years prior to the Effective Date of the policy. No benefits will be payable during the first twelve (12) months that coverage is in force for a Pre-Existing Condition if the Effective Date is prior to your sixty-fifth (65th) birthday; unless specifically excluded from coverage by name or specific description. If you are age sixty-five (65) or older on the Effective-Date of the policy, benefits for a Pre-Existing Condition will be excluded for six (6) months from the Effective Date of the policy, unless specifically excluded from coverage by name or specific description.

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WI

EXCLUSIONS AND LIMITATIONS

After a 60 day waiting period, the policy provides benefits only for First Diagnosis of Heart Attack and for First Major Heart Surgery performed on a covered person. The policy does not cover any other disease or sickness or incapacity; this is so even though such other disease or incapacity may have been complicated, affected (directly or indirectly) or caused by Heart Attack or First Major Heart Surgery. First Major Heart Surgery does not include cardiac catheterization or any type of surgery on the pericardium; no Surgery Benefit is payable for these procedures. No benefits are payable for a First Diagnosis of Heart Attack or First Major Heart Surgery during the waiting period.

First Diagnosis Heart Attack or First Major Heart Surgery benefits will not be payable when any advice or treatment received within the Waiting Period, or prior to the Effective Date, leads to the First Diagnosis of Heart Attack or First Major Heart Surgery.

PRE-EXISTING CONDITION LIMITATIONS
A First Diagnosis Heart Attack Benefit will not be paid for any diagnosis resulting from a Pre-Existing Condition not disclosed on the application regardless of when such diagnosis is made. A First Major Heart Surgery Benefit will not be paid for any diagnosis resulting from a Pre-Existing Condition not disclosed on the application regardless of when such diagnosis is made.

PRE-EXISTING CONDITION means a Heart Attack or heart condition for which diagnosis, advice or treatment is given, or for which signs or symptoms existed which would have caused an ordinarily prudent person to have sought diagnosis, advice or treatment, prior to the Effective Date of the policy.

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WV

EXCLUSIONS AND LIMITATIONS

After a 30 day waiting period, the policy provides benefits only for First Diagnosis of Heart Attack and for First Major Heart Surgery performed on a covered person. The policy does not cover any other disease or sickness or incapacity; this is so even though such other disease or incapacity may have been complicated, affected (directly or indirectly) or caused by Heart Attack or First Major Heart Surgery. First Major Heart Surgery does not include cardiac catheterization or any type of surgery on the pericardium; no Surgery Benefit is payable for these procedures. No benefits are payable for a First Diagnosis of Heart Attack or First Major Heart Surgery during the waiting period.

PRE-EXISTING CONDITION LIMITATIONS
A First Diagnosis Heart Attack Benefit or First Major Heart Surgery Benefit will not be paid for any diagnosis or procedure resulting from a Pre-Existing Condition regardless of when such diagnosis or procedure is made.

PRE-EXISTING CONDITION means a Heart Attack or heart condition for which diagnosis, advice or treatment is given, or for which signs or symptoms existed which would have caused an ordinarily prudent person to have sought diagnosis, advice or treatment, prior to the Effective Date of coverage.

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