Benefits stories

Benefits portfolio

Statistics

Fullscreen

Stop motion

4-25 | NS-2397101

Injury • Illness • Dental • Vision • Life ColonialLife.com THIS POLICY PROVIDES LIMITED BENEFITS. This coverage is a supplement to health insurance. It is not a substitute for essential health benefits or minimum essential coverage as defined in federal law. Insureds in some states must be covered by comprehensive health insurance before applying for this insurance. This information is not intended to be a complete description of the insurance coverage available. The policy or its provisions may vary or be unavailable in some states. The policy has exclusions and limitations which may affect any benefits payable. Applicable to policy form ICI6000 (including state abbreviations where used, for example: ICI6000-AL) For cost and complete details of coverage, call or write your Colonial Life benefits representative or the company. An insurance producer may contact you. Underwritten by Colonial Life & Accident Insurance Company, Columbia, SC. © 2025 Colonial Life & Accident Insurance Company. All rights reserved. Colonial Life is a registered trademark and marketing brand of Colonial Life & Accident Insurance Company. ADDITIONAL DISCLOSURES:

Critical illness reoccurrence benefit

Experience more value with our new critical illness coverage, featuring updated benefits, supplemental coverage and in-demand features.

Critical illness benefits at a glance*

Benefit stories

With rising health insurance premiums and medical costs, many employees are looking for strong benefits to avoid sliding into medical debt. We’ve expanded our critical illness coverage with more benefits and features that help employees tap into more value. Discover the value of critical illness insurance with optional cancer coverage.

Discover the value of our critical illness benefits

Help ease the stress of medical costs for your employees

Talk with your Colonial Life independent agent today to learn more.

For illustrative purposes only. These are not intended to depict real people.

Payable multiple times if conditions are met

Cushion the impact of out-of-pocket expenses

Critical illness insurance is a valuable voluntary benefit that can help employees pay for their out-of-pocket expenses so they can concentrate on what's most important — their treatment and recovery. Our coverage helps softens the ﬁnancial impact of out-of-pocket costs from a covered condition.

Behavioral health therapy benefit

Offers behavioral health visits to support emotional recovery from a covered condition

Behavioral health therapy benefit

Critical illness reoccurrence benefit

Optional riders available

Extra coverage with supplemental conditions rider, infectious diseases rider and progressive diseases rider

Optional riders available

Critical Illness or Critical Illness + Cancer plans

Select a benefit to learn more.

Benefits

ER visit

Charles

After getting home from a birthday dinner with his family, Charles had a heart attack and was rushed to the hospital. Fortunately, he made a full recovery. His critical illness benefits helped cover out-of-pocket costs for:

X-rays and medical imaging

Rehabilitation

Surgery

HSA compatibility

Works alongside employees’ health savings account (HSA)

HSA compatibility

No coordination

Benefits are payable regardless of other insurance

No coordination

Wellbeing assistance benefit

Covers well-child visits, preventive testing and immunizations

Wellbeing assistance benefit

Choice of two plan options to fit employees’ benefit needs

Critical illness or critical illness + cancer plans

Charles

ALLISON

Travel and lodging during treatment

Mastectomy and reconstructive surgery

Medical imaging studies

Chemotherapy and radiation treatments

Allison was diagnosed with breast cancer after a routine mammogram. Her critical illness + cancer benefits helped cover out-of-pocket costs for:

Allison

Click on a name for their benefits story.

After a heart attack, Tony’s doctor ordered him to take time off work. Watch his story.

someone in the U.S. will have a heart attack. Source: American Heart Association, 2025 Heart Disease and Stroke Statistics.

Every 40 seconds

Follow-up treatment

Stop motion

Personal safety

Gunshot wound

Family care and pet boarding

Enhanced wellbeing assistance

Building benefit

Behavioral health therapy

Active lifestyles

Covers well-child visits, preventive testing and immunizations

Active lifestyles

Covers well-child visits, preventive testing and immunizations.

Wellbeing assistance benefit

Covers well-child visits, preventcve testingrand imiunizationsd

Wellbeing assistance benefit

Covers well-child visits, preventive testing and immunizatons.

Wellbeing assistance benefit

Covers well-child visits, preventive testingand immunizations.

Wellbeing assistance benefit

Covers well-child visits, pheventise testiag and immunizations.

Wellbeing assistance benefit

Covers well-child visits, preventive testing and iunizations.

Wellbeing assistance benefit

Exclusions and Limitations FOR RESIDENTS OF KentucKy

* Please refer to the policy for complete definitions of covered conditions.

Exclusions and Limitations for residents of KenTUCKY

PRE-EXISTING CONDITION LIMITATION We will not pay benefits for a claim when the covered condition occurs in the first 12 months following an insured’s coverage effective date if the covered condition is caused by, contributed to by, or occurs as a result of any of the following: a pre-existing condition; or complications arising from treatment or surgery for, or medications taken for, a pre-existing condition. An insured has a pre-existing condition if, within the 12 months just prior to the insured’s coverage effective date, they have an injury or sickness, whether diagnosed or not, for which: medical treatment, consultation, care or services, or diagnostic measures were received or recommended to be received during that period; or drugs or medications were taken, or prescribed to be taken during that period; or symptoms existed. Pre-existing condition requirements are not applicable to children who are born or adopted while you are covered under this policy, and who are continuously covered from the date of birth or adoption. The pre-existing condition provision applies to any insured’s initial coverage and any increases in coverage. Coverage effective date refers to the date initial coverage becomes effective.

GUARANTEED RENEWABLE The policy is guaranteed renewable for life as long as you pay the premiums when they are due or within the grace period. We may discontinue or terminate this policy if you have performed an act or practice that constitutes fraud or have made an intentional misrepresentation of material fact relating in any way to this policy, including claims for benefits. Your premium can be changed only if we change it on all policies of this kind in force in the state where the policy was issued. END OF COVERAGE Your coverage under this policy ends on the earliest of: the date of your death; the date this policy lapses for nonpayment of premium per the Grace Period provision in the premiums section; or the date the next premium is due after we receive a request in writing to cancel this policy. We will provide coverage for a payable claim that occurs while you are covered under this policy. EXCLUSIONS AND LIMITATIONS We will not pay benefits for any covered loss that is caused by, contributed to by, or occurs as a result of felonies; intoxicants and narcotics; or war or combat. See policy for complete details. GEOGRAPHICAL LIMITATION FOR CANCER We will not pay the invasive cancer (including all breast cancer) benefit, non-invasive cancer benefit, or skin cancer benefit if the cancer is diagnosed or treated outside of the territorial limits of the United States, its possessions, or the countries of Canada and Mexico.

KENTUCKY Critical Illness Insurance Disclosures, exclusions and limitations