Conseco was incorporated in 1979, began operations in 1982 and became a public company in 1985. Today, Conseco reaches out to more than 50 million potential customer households across America. Conseco is headquartered in Indianapolis, Indiana and pursues a mission of becoming a leading provider of financial security for life, health and retirement needs of middle market Americans. Conseco's Cancer Secure is one of the company's top products.
Cancer SecureSM (C2) is your opportunity to offer straightforward solutions and clear-cut options to your clients. Designed with the input of policyholders and sales agents, Cancer Secure can help you meet the needs of today’s aging marketplace. Benefit levels from the Conseco Solutions Cancer product have been modified to create Cancer Secure. It’s supplemental coverage with simplified choices—easy to understand, easy to sell.
Cancer Secure may be offered to individuals aged 40 to 85. Applicants must be at least the age of 40 at the time of the effective date. Applications for individuals who turn 86 prior to the effective date of coverage will not be eligible. The age limitations apply both to the main insured and to the spouse.
Key Benefits
- First-occurrence benefit - ($10,000, $20,000, $30,000 or $50,000) Pays via express mail upon diagnosis of internal cancer (except skin cancer) and submission of acceptable proof of diagnosis.
- Health advocate - Provides access to a registered nurse and other administrative experts upon diagnosis, for assistance with finding physicians and medical institutions, accessing community/educational resources, and addressing claims and billing issues. (Part of the first-occurrence benefit.)
- Inpatient hospital confinement - (1–30 days: $200 per day; 31 days or more: $400 per day) Pays for each day of confinement as an inpatient in a hospital (including U.S. government hospitals) due to cancer.
- Radiation therapy - ($200 per day) Pays for insertion of interstitial or intracavity application of radium or radioisotopes. No monthly or lifetime maximum limit.
- Chemotherapy - ($200 per day) Pays for cytoxic chemical substances and their administration. Medical personnel in a physician’s office, clinic or hospital must make injections. Payable on date of treatment. Experimental treatments are covered if investigationally approved by U.S. Food and Drug Administration (USFDA). No monthly or lifetime maximum limit.
Conseco Solutions® Cancer is lifestyle protection…with a helping hand. This supplemental insurance coverage is designed with four benefit levels to fit almost any budget. Conseco Solutions Cancer helps protect your clients and their loved ones from out-of-pocket costs that major medical insurance may not cover.
Key Benefits
- Express payment up to $10,000
- Health advocate
- Wellness
- Daily hospital confinement
- Surgery and anesthesia
- Radiation and chemotherapy
- Transportation and family lodging
- Benefits are paid directly to policyholders or to whomever they choose, unless otherwise required.
- Most benefits have no lifetime maximum limit, and the policy is available as long as premiums are paid.
- Benefits are paid regardless of any other insurance they carry.
- Premium rates have never been raised on an existing cancer policyholder.
- Cancer rates cannot be increased unless all rates of that kind are raised in a state.
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