The Critical Illness Plan is a living benefit that pays a lump sum directly to the insured upon diagnosis of any of the 36 specified critical illnesses outlined in the policy, helping cover medical and personal expenses while maintaining financial stability.
| AIDS/HIV (as a result of a blood transfusion) | AIDS/HIV (from occupational duties) | Alzheimer's Disease / Severe Dementia | Aorta Surgery |
| Apallic Syndrome | Aplastic Anemia | Bacterial Meningitis | Benign Brain Tumor |
| Blindness | Cancer | Coma | Coronary Artery Bypass Surgery |
| Creutzfeldt-Jakob Disease | Encephalitis | End Stage Liver Disease | End Stage Lung Disease |
| Heart Attack | Heart Valve Surgery | Kidney Failure | Loss of Hearing (Deafness) |
| Loss of Limbs | Loss of Speech | Major Burns | Major Head Trauma |
| Major Organ / Bone Marrow Transplantation | Motor Neuron Disease | Multiple Sclerosis | Muscular Dystrophy |
| Paralysis | Parkinson's Disease | Poliomyelitis | Primary Pulmonary Hypertension |
| Progressive Scleroderma | Angioplasty | Stroke | Systemic Lupus Erythematosus |