If you and the applicant are not fluent in the same language, an interpreter must be present to translate all questions and responses. It is the applicant’s responsibility to have an interpreter available to meet with you when the application is completed. The applicant may choose an interpreter, but the interpreter cannot be a family member, beneficiary, or someone who would benefit from the issuance of a policy. You may serve as an interpreter if you and the applicant are fluent in the same language. In addition to questions on the application and the applicant’s responses, the interpreter is required
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Do you know about the four optional riders available at the time of sale for a Critical Advantage policy? They are a great way to add extra value and protection to an already strong base policy. Below is a brief description of our optional riders. As always, some riders may vary by state. Please refer to our Critical Advantage Product & Underwriting Guide for full details. Cancer Rider — Pays a lump-sum benefit upon the diagnosis of cancer (internal cancer or malignant melanoma). Heart Attack & Stroke Rider — Pays a lump-sum benefit upon the diagnosis of a heart attack
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