Consumer Product Guide

PLC.1917.01.06 01/06

ProtectiveCRITICALanswer

SM

CRITICALanswerSM

can help you preparefor the unexpected.

In the next four minutes, nine Americans will

have a heart attack.

In the next four minutes, five Americans will

have a stroke.

In the next four minutes, ten people in the

United States will be diagnosed with cancer.

In the next four minutes, five American families

will be forced to declare bankruptcy because of

a medically related financial hardship.*

THE GOOD NEWS IS that medical advances are helping us live

longer and survive critical illnesses that earlier would have been a

death sentence. The bad news is that many medical insurance plans

will not pay all the costs of recovery. This can result in your survival

turning into a financial life sentence.

Critical illness insurance can help ensure that you and your loved

ones will have monetary resources in the event of a critical illness to

help cover mortgage payments, out-of-pocket medical expenses or

medical treatments from out- of-network specialists, and necessary

home renovations – resources to spend any way you wish.

*Sources: www.mercola.com-bankruptcy informationAmerican Cancer Society (www.cancer.org)-cancer informationAmerican Heart Association (www.americanheart.org)-heart attack and stroke information

TH E R E I S A

S O L U T I O N T O

H E L P P R E V E N T A

C R I T I C A L I L L N E S S

F R O M B E C O M I N G

A F I N A N C I A L

C ATA S T R O P H E

A N D D E S T R O Y I N G

L I V E S .

Are you prepared in the event of a critical illness?

RECOVERING FROM A CRITICAL ILLNESS CAN TAKE TIME. If you are one

of the fortunate individuals with a disability insurance plan in place,

in many instances, it can take up to 90 days before coverage is

activated. The majority of working Americans do not have the

financial resources to survive months, and especially not years,

without an additional income source while they are either totally or

partially not able to conduct their routine profession.

Single individuals may not have a financial safety net for those

times when a critical illness demands added financial resources.

Without a spouse or other people to provide options, it is especially

important to be prepared through careful and responsible planning.

For all income levels and for those considered young, middle

aged, or senior, critical illness coverage is a smart responsibility to

embrace.

THE FOLLOWING RESEARCH SHOWS THE IMPACT ON MANY AMERICANS.

• According to the U.S. Department of Housing and Urban

Development, 50% of home foreclosures are the result of the

homeowner suffering from a critical illness.1

• American Heart Association estimates Americans paid about $368

billion in 2004 for heart disease related medical costs and disability.2

• Research shows 33% of all families deplete all or most of their

savings because of a serious illness.1

1 “Critical Illness Insurance: A Lump-Sum Review”. LIMRA’s Marketfacts Spring 2002.

2 “Know the Facts, Get the Stats: American Heart Association 2002-2004”. (55-0576). 2003.

With advances in medical technology being made everyday, more patients are finding successful treatment andliving for years to come.

Surviving Critical Illness

1,200,000

1,000,000

800,000

600,000

400,000

200,000

0Coronary Attack4 Cancer3

Yearly Deaths Yearly Survivors

Stroke2

What is critical illness?

A critical illness is a health-related

condition — such as heart attack, stroke,

invasive cancer or cancer in situ, major

burns, and a number of other conditions —

where the patient has a good chance of

surviving. Critical Illness insurance, such as

CRITICALanswerSM, provides a lump-sum

cash benefit payable to the policy owner upon

first occurrence and diagnosis of a covered

condition.

• Advanced Alzheimer’s Disease

• Blindness

• Deafness

• Paralysis

• Major Burns

• Accidental Loss of Speech

• Cancer In Situ (25%)

• Coronary Bypass Surgery (25%)

• Angioplasty (10%)

Covered conditions

• Heart Attack

• Stroke

• Invasive Cancer

• Major Organ Transplant

• End-Stage Renal Failure

• Other Illnesses:

These benefits vary widely by state.

Financial commitments continue even during illness.

A critical illness can have a significant impact on your personal

lifestyle and your family. If you are diagnosed with a critical illness,

you could be faced with:

• Loss of income — even with disability insurance, income replacement

usually covers only a portion of current income and waiting periods

may apply.

• Medical expenses including deductibles, co-payments, prescription

medications, private nursing care, or durable medical equipment may

not be covered by your group health insurance.

• Alterations to your home such as wheelchair accessibility.

• Outstanding and mounting personal living expenses such as mortgage

and car payments, credit card debt, utilities, childcare, and food.

Taking into account the financial strains posed by a critical illness,

you can see how important it is to have a plan in place that will

provide a living benefit – so that you won’t have to worry about how

you are going to pay the bills. Instead, you can focus on getting better.

Surviving A Critical IllnessHow many of us can say that we have afriend, business associate, or even a familymember that has recently been diagnosedwith a critical illness? The good news isthat with continued advancements inmedical technology, the chances ofsurviving a critical illness have increased.Unfortunately, there can be substantialexpense associated with surviving acritical illness and the financial impactcan be devastating. CRITICALanswerSM

can help guide you down the road torecovery giving you options you may nothave otherwise.

The Cold Hard Facts

• Every 45 seconds, someone will havea stroke. This number 3 killer is theleading cause of severe, long-termdisability. The average cost of astroke within just the first 30 days ofan acute event is $13,019 for mildischemic strokes and $20,346 forsevere ischemic strokes.1

• The leading cause of disease inwomen is cardiovascular disease,more than cancer, and only 13% ofwomen consider cardiovasculardisease their greatest health risk.And, 40,000 more women than menhave a stroke annually.1

• In 2000, 9.6 million Americans werealive having survived a history ofcancer.2

1 “Heart Disease and Stroke Statistics - 2005 Update”.

American Heart Association. Dallas, Texas. 2005.

2 “Heart Disease and Stroke Statistics - 2004 Update”.

American Heart Association. Dallas, Texas. 2004.

CRITICALanswerSM

is a living benefit.CRITICALanswerSM is designed to provide coveragewhen you need it most – upon first occurrence anddiagnosis of a covered critical illness. This insurancecan help you focus on recovery with peace of mindinstead of worrying about how to make ends meet ordraining savings set aside for later years. It provides aliving benefit.

CRITICALanswerSM can help guide the way to financial security for

one or two-income families, single individuals, and business owners.

Even for those individuals employed by companies too small for

group disability coverage or with disability coverage only for limited

types of employees, CRITICALanswerSM can be there for you.

Understanding the Features of CRITICALanswerSM

An answer to many of your potential critical illness needs, this

coverage is a limited benefit health coverage policy. CRITICALanswerSM

will pay you a lump sum amount upon the first occurrence and

diagnosis of a covered condition. The initial benefit amount is the

amount of critical illness insurance coverage requested by the insured

and approved by the company.. The initial benefit amount reduces by

50% at age 65, or 5 years after issue if later, with no reduction in

premium.

Covered conditions vary widely by state.* If the covered condition is diagnosed as Invasive or In Situ Cancer, the reduced benefit period shall be 90 days, beginning on the policy effective

date of this policy. If such covered condition occurs and is diagnosed during the first 90 days of coverage after the policy effective date, there shallbe a benefit payment of 10% for Invasive Cancer or 2.5% for Cancer In Situ, and the policy will terminate.

** There are states which have fewer than 90 days of Reduced Benefit; please refer to your policy.

100% of the Benefit Amount is

payable for:

• Heart Attack

• Stroke

• Invasive Cancer*

• Major Organ Transplant

• End-Stage Renal Failure

• Advanced Alzheimer’s Disease

• Blindness

• Deafness

• Paralysis

• Major Burns

• Accidental Loss of Speech

25% of the Benefit Amount is

payable for:

• Cancer In Situ*

• Coronary Bypass Surgery

10% of the Benefit Amount is

payable for:

• Angioplasty

Coverage for a LifetimeCRITICALanswerSM is guaranteed renewable for life,

subject to changes in premiums due to class. The

owner may renew the policy by paying each

renewal premium when due or by the end of its

grace period. If the insured is age 60 or older on

the policy effective date, the remaining benefit

amount will be reduced by 50% on the 5th

anniversary. In all other cases, the benefit amount

will be reduced by 50% on the policy anniversary

following the insured's 65th birthday.

Return of Premium Upon Death Feature If an insured dies while this policy is in force, this

benefit pays the policy owner, beneficiary, or the

estate an amount equal to the total amount of

premiums paid, less any benefits received from the

policy, to the extent that the premiums paid exceed

the benefits under this policy. This feature is built

into the policy and is not an additional cost provided

by a rider to the policy. With this flexibility, the

decision to apply for coverage becomes an even easier

one to make.

No Waiting Period on Most CoveredConditionsWith the exception of a reduction of benefits for

certain cancers, there are no waiting periods. If the

insured is diagnosed with a covered condition of

Invasive or In Situ Cancer, the reduced benefit

period shall be 90 days, beginning on the policy

effective date. If such covered condition occurs and

is diagnosed during the first 90** days of coverage

after the policy effective date, there will be a benefit

payment of 10% for Invasive Cancer or 2.5% for

Cancer In Situ, and the policy will terminate.

Multiple Payment Benefit Feature

Perhaps one of the most significant features of CRITICALanswerSM is the

Multiple Payment Benefit. It is a feature of the policy which allows for

multiple payments from the three categories (detailed in the chart

below) of covered conditions. The payment of benefits under each

category shall not exceed 100% of the initial benefit amount for each

category. You can receive multiple benefit payments if that covered

condition meets the terms and conditions of the policy. The total of

benefit payments can be up to three times the initial benefit amount.

After the initial benefit payment under the policy, you can choose to

continue paying the premiums and possibly receive additional benefit

payments. This feature is an inherent benefit of the policy and is

provided at no additional cost.

Anne’s Use of theMultiple Payment Benefit Feature

Anne has a

CRITICALanswerSM

policy with a face

amount of

$100,000. Soon after

her policy effective date, she was diagnosed

with her first heart attack and filed a claim

for $100,000 and was paid. Anne continued

to pay her premiums and eight months

later, she was diagnosed with invasive

cancer and filed a second claim for

$100,000 and was paid again. Still making

her premium payments, two years later

Anne was diagnosed with end-stage renal

failure and filed a third claim. She received

a third payment of $100,000 and her policy

terminated.

Anne’s decision to continue paying her

premiums for less than three years netted

her $300,000 in a living benefit and helped

her focus on recovery with a greater sense

of financial security.Therefore, this coverage can be worth more to you than just the

face amount.

** Refer to the actual policy for the Exceptions and Limitations, andnote that benefits vary widely by state.

This testimonial is for example only.

Critical Illness Categories**

Category 1

Heart Attack

Stroke

Major Organ Transplant

(including Heart)

Coronary Bypass Surgery (25%)

Angioplasty (10%)

Category 2

Invasive Cancer

Cancer In Situ (25%)

Category 3

Major Organ Transplant (not

including Heart)

End-Stage Renal Failure

Advanced Alzheimer’s Disease

Blindness

Deafness

Paralysis

Major Burns

Accidental Loss of Speech

Optional Riders*

Protective offers optional riders that can be added to customize coverage to helpensure you receive a policy to meet your specific needs.

OPTIONAL SPOUSE CRITICAL ILLNESS RIDERAn optional spouse critical illness rider covering the spouse of the insured may be

purchased for an additional premium. This rider provides the same critical illness

coverage for the spouse as the base policy provides for the primary insured, and it may

be converted into an individual critical illness policy if conditions are met. (See policy

contract for details.)

OPTIONAL ACCIDENTAL DEATH BENEFIT RIDERThis rider provides additional low cost coverage that pays a death benefit of a

specified amount, up to the initial benefit amount or $150,000, whichever is less, if the

insured dies as a result of a covered accident. Upon your accidental death, this benefit

is in addition to your return of premium feature.

* Optional riders are available at additional costs. Actual terms and conditions contained in each

rider govern all benefits provided. Assumes medical and financial underwriting qualifications

at time of initial application. Not available in all states.

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About Protective Protective Life Insurance Company was established on a profound belief in theAmerican dream. Since 1907, Protective Life Insurance Company has remained true toits core beliefs: quality, serving people, and growth. This unwavering commitment totreating people the way we would like to be treated has been rewarded with stable,long-term relationships and growth. Today, Protective Life is one of the nation’s leading insurance companies, proving the wisdom of our Company’s vision: Doing theright thing is smart business.®

* These ratings are current as of January 2006. For more currentinformation, please visit www.protective.com.

Protective Life Insurance Company has insurerfinancial strength ratings of A+ (Superior, 2ndhighest of 15 ratings) from A.M. Best, AA (VeryStrong, 3rd highest of 21 ratings) from Standard& Poor’s, AA- (Very Strong, 4th highest of 22ratings) from Fitch, and Aa3 (Excellent, 4thhighest of 21 ratings) from Moody’s InvestorsService. Each of these independent ratingagencies has assigned its rating based on a varietyof factors including Protective Life InsuranceCompany’s operating performance, asset quality,financial flexibility, and capitalization.

Protective Ratings:*

Policy form CI-03 is a limited benefit health coverage policy. It provides limited orsupplemental coverage, paying benefits ONLY upon occurrence and diagnosis of acovered condition. Advanced payments reduce base policy's benefit, and any lump sumpayments may be taxable. Consult your tax advisor for tax details. If 100% of themaximum allowable benefit is advanced, the policy will terminate. Consult policy forbenefits, riders, limitations, exclusions, benefit reductions, and terms under which thepolicy may be continued in force or discontinued. Policy form may vary by state.Subject to underwriting. Not available in all states. For complete details of coverageand costs call: 800-567-8247.