Critical Illness Insurance

Limitations and Exclusions

The policy does not cover losses caused by or resulting from the following: A covered person being diagnosed with a specified disease during the waiting period. If covered person is diagnosed with a specified disease during the waiting period, Transamerica Financial Life Insurance Company will void the policy and refund all premiums paid. A covered person participating in a felony, riot or insurrection; a covered person intentionally causing a self-inflicted injury; a covered person committing or attempting to commit suicide. Transamerica Financial Life Insurance Company will not pay the specified disease benefit for the following: pre-malignant conditions or conditions with malignant potential; or Transient Ischemic Attacks. Transient Ischemic Attacks are not considered strokes or any other type of disease covered by the policy.