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1. Shaw LJ, Merz CNB, Pepine CJ, et al. The Economic Burden of Angina in Women With Suspected Ischemic Heart Disease: Results From the National Institutes of Health National Heart, Lung, and Blood Institute-Sponsored Women s Ischemia Syndrome Evaluation. Circulation. August 29, 2006 2006;114(9):894-904.
2. More People are Surviving Critical Illnesses & United States Critical Illness Insurance Resource Center, 2012. http://criticalillnesspolicies.com/insurance-coverage/critical-illness-statistics/ (13 April 2012).
3. National Survey of Households Affected by Cancer The USA Today/Kaiser Family Foundation/Harvard School of Public Health, November 2006. http://www.kff.org/kaiserpolls/upload/7591.pdf (13 April 2012).
4. Centers for Disease Control & Prevention. Cronic Diseases and Helath Promotion: http://www.cdc.gov/chronicdisease/overview/index.htm
5. Financial Planning and the New Insurance California 2012 Continuning Education Course.

Other Disclosures
* Subject to state availability. Minimum and maximum amounts that may be accelerated may vary. Some portion of the payments may be taxable, and policy owners are advised to consult with their tax advisors when making a request for an Accelerated Death Benefit.
* Benefits provided through the Living Benefits, including the critical, chronic and terminal illness accelerated death benefits, are subject to certain limitations and exclusions. Amounts payable under the benefits vary based in part on the nature and severity of the Insured's health condition and the Insured's remaining life expectancy at the time of the acceleration as determined by the Company. Refer to the policy or riders for complete details.
* Impact of Stroke American Stroke Association. 18 April 2012. http:// www.strokeassociation.org/STROKEORG/AboutStroke/Impact-of- Stroke_UCM_310728_Article.jsp (24 April 2012).
* http: //www.cdc.gov/dhdsp/data_statistics/fact_sheets/docs/fs_heart_ disease.pdf
* http://www.cbsnews.com/8301-505146_162-39940799/how-much- would-a-heart-attack-cost-you/
* http://www.foxbusiness.com/personal-finance/2012/05/15/critical- illness-insurance-do-need-it/print
* For example, a Harvard Research Study published in The American Journal of Medicine concluded that illness and medical bills contributed to a large and increasing share of US personal bankruptcies.
* Accelerated Death Benefits vary by state.
* Policy form and number may vary, and this policy may not be available in all jurisdictions. Insurance eligibility and premiums are subject to underwriting. In most states, in the event of suicide during the first two policy years, death benefits are limited only to the return of premiums paid.