MARKETPLACE BULLETIN

CASH CANCER
PRODUCT INFORMATION APPROVED FOR POLICY TYPE
Plan Code LS2, LS3, LS4 55 Individual ( Bank Draft, Annual, Semiannual, Quarterly) 55 Accident and Health
LS6*, LS7*, LS8* 55 Worksite Advantage – (Payroll Deduction) …… Term Life
Policy Form LCANLS-2 …… Whole Life
Issue Ages 0-69 (Individual) …… Annuity
15-69 ( Family and Single Parent) …… Medicare Supplement
*Bilingual FL, OK and TX

PRODUCT OVERVIEW
yy Provides a lump sum benefit in increments of $10,000 up to a maximum of $50,000 (plans and benefits vary by
state), to the covered person upon first written diagnosis of cancer. Cancer is defined as a disease manifested
by the presence of a malignant tumor characterized by the uncontrolled growth and spread of malignant cells,
the invasion of tissue, melanoma, leukemia, or Hodgkin’s disease, or any form of malignant growth positively
diagnosed as cancer (malignant neoplasm) by a legally licensed doctor of medicine certified by the American
Board of Pathology or a certified osteopathic pathologist. Cancer is further defined for the purposes of this policy
to include cancer in situ, which is in the natural or normal place; confined to the site of origin without having
invaded neighboring tissue. Premalignant conditions or conditions with malignant potential are not to be
construed as cancer in interpreting this policy.
yy ‘First Diagnosis’ means the first time a covered person is diagnosed as having internal cancer or malignant
melanoma (this excludes all other skin cancer), provided the diagnosis is after a 30-day waiting period and while
this policy is in force with respect to the covered person.
yy Precancerous conditions or conditions with cancerous potential are not to be construed as cancer in interpreting
this policy.
yy Each covered person is limited to one First Diagnosis Benefit under the terms of this policy. Coverage for such
person terminates upon payment of such benefit. If one of the parents on the Family coverage received their
First Diagnosis Benefit, the other parent could convert to either Single Parent coverage or Individual coverage,
depending on if there are any covered children. The original Issue Age will be used to calculate the rate on the
new coverage.
yy Policy is guaranteed renewable for life, or until insured’s one-time cash benefit is paid.
yy Insured children remain covered until the earliest of: marriage, or the policy anniversary date following their 25th
birthday (varies by state - refer to the sample policy for your state). The child can convert to Individual coverage
without proof of insurability prior to their 26th birthday (varies by state - refer to the sample policy for your state)
or date of marriage. Children with mental or physical incapacitation may be insured longer (dependent age limits
may vary by state). Current Attained Age will be used to calculate the rate for a child converting to an Individual
coverage due to age or marriage.
yy Birth or adoption of a child:
ƒƒ The Company must receive notification on an L-347 application to add a child. The child must be added
within 31 days of birth or adoption.
ƒƒ If the policyholder is currently covered under an Individual policy, the child is automatically covered for
31 days, with no health questions asked. To continue their coverage, the policyholder must convert from
Individual coverage to Single Parent coverage and begin paying the appropriate premium. After 31 days,
proof of insurability must be submitted to the Company to add the child to the policy.
ƒƒ If the policyholder is currently covered under Single Parent coverage or Family coverage, the child is
automatically covered for 31 days with no health questions asked. The policyholder would remain on their
current Single Parent coverage or Family coverage with no additional premiums being required. After 31
days, proof of insurability must be submitted to the Company to add the child to the policy.

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Cash Cancer © 2013-2018 Liberty National Life Insurance Company. All rights reserved. LNL1155 0818
 yy Should primary insured and spouse divorce, upon written request, the Company changes the coverage and
reduces the premium according to the new policy type. Upon receipt of the written request, coverage on the
spouse may be converted to Individual coverage without proof of insurability. Original Issue Age will be used to
calculate the new coverage rate.
yy Benefits are paid directly to the policyholder, or anyone he/she designates.
yy Check the Cash Cancer product page on the Agent Services website for any state special brochure, application, or
Outline of Coverage.

ELIGIBILITY
yy An individual cannot be covered for more than $50,000 (30,000 in Georgia) in total lump-sum benefit on all Liberty
National cancer policies.
yy Cash Cancer is available to Critical Illness with Cancer* policyholders up to $50,000 combined maximum benefit.
For example: If a Customer has $25,000 Critical Illness with Cancer* Policy, they can only purchase a $20,000 Cash
Cancer policy (benefits are only available in $10,000 increments).
yy Cash Cancer is available to Cancer Endurance policyholders.
yy Worksite eligibility requirements apply to worksite sales. Refer to the Worksite Advantage Agent Reference
Guide R-3631 on Agent Services, Worksite Marketing.
yy For family coverage, a child under age 19 (varies by state) is unmarried, and lives with or is primarily dependent
upon the primary insured for support. Legally adopted children and stepchildren are eligible for family coverage.
Children must be named in the application.
yy Family coverage rate is based on age of oldest spouse.
yy Any individual with a previous cancer diagnosis is excluded from coverage (varies by state), including skin cancer.
yy Any individual who answers “Yes” to any one of the four questions on the A273 application is excluded from
coverage.
yy A cancer policy is not issued to any proposed insured who has lapsed a Critical Illness with Cancer* policy within
the last six months.
yy A cancer policy is not issued to any proposed insured who has lapsed any cancer policy within the last six months.
*Critical Illness with Cancer is no longer available for new issues, effective Jan. 1, 2017.

LIMITATIONS, EXCLUSIONS AND EXCEPTIONS

yy Cash Cancer policy contains a 30-day waiting period.
yy No benefits will be payable if cancer is manifested prior to the expiration of the waiting period.

REPLACEMENTS

A replacement occurs when new accident or health insurance is purchased and existing accident or health insurance
is terminated (lapsed, surrendered, etc); or amended to reduce benefits or shorten the term of coverage. When a
replacement occurs, the replacement question on the application must be answered “Yes.” The policy number you are
replacing must be written next to the replacement question.
If accident or health replacement forms are required in your state, the appropriate form should be completed and
attached to the application.
Replacement of existing Torchmark Corporation subsidiary policies is not allowed. Torchmark subsidiaries include:
American Income Life Insurance Company, Family Heritage Life Insurance Company of America, Globe Life And
Accident Insurance Company, Globe Life Insurance Company of New York, Liberty National Life Insurance Company,
National Income Life Insurance Company, and United American Insurance Company.

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Cash Cancer LNL1155 0818
SUBMITTING PAPER APPLICATIONS

Scan and email paper applications to newbusiness@libnat.com from a @libnat.com email address.
The only time paper applications may be mailed is if they include a payment by check for annual, semi-annual, or
quarterly payment mode.
Liberty National Life Insurance Company
Attn: New Business
3700 S. Stonebridge Dr.
McKinney, TX 75070-5934

SUPPLIES AND TOOLS

NEW BUSINESS SUBMISSION
AVAILABLE FOR AVAILABLE FOR
FORMS MUST BE RETURNED
THE CONSUMER AGENT TRAINING
TO THE HOME OFFICE
55 Application A273 55 Advertising Brochure 55 Agent’s Instruction Guide
55 Replacement Notice 55 Laptop Sales Presentation 55 Agent Training PowerPoint
…… HIV Consent Form 55 eApp (not available in all states) (available on Laptop on Demand)
55 Arbitration Agreement 55 Proposal System 55 Marketplace Bulletin
(AL & MS) R-3423 55 Product Brochure 55 Worksite Advantage Agent
55 Bank Draft Authorization R-3616 55 Outline of Coverage Reference Guide R-3631
55 or Payroll Deduction Form (requirement varies by state) 55 Sample Policy
(for worksite sales) R-3231 (must be left with applicant) 55 State Guide to Brochures
55 Home Office 55 LMSNOT-1 (for ages 65-69) 55 Rate Cards
Verification Sheet R-3756

CONTINUED 

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Cash Cancer LNL1155 0818
STATE APPROVAL & REQUIRED FORMS CHART
CASH CANCER (LS2, LS3, LS4)
Replacement
Application Brochure Outline of Coverage State Specific Policy Exceptions
Notice
Alabama A273 (0111) R-2815-C DS-LCANLS-2 —
Alaska A273 (0111) R-2815 DS-LCANLS-2 —
Remove reference to ‘Physical Exam’. Uses term ‘first diagnosis’ instead
Arizona A273AZ (0111) R-2815-B DS-LCANLS-2(02) — of ‘first manifested’. Requires a reduced benefit of $500 if cancer is first
diagnosed or occurs during the first 30 days.
Arkansas A273AR (0111) R-2815 DS-LCANLS-2(03) R-3650
California
Colorado A273 (0111) R-2815 DS-LCANLS-2 R-3650-A
Connecticut
Delaware A273 (0111) R-2815 DS-LCANLS-2 R-3650
District of Columbia A273DC (0111) R-2815 DS-LCANLS-2 —
Florida Florida has a state special Marketplace Bulletin
Georgia Georgia has a state special Marketplace Bulletin
Hawaii A273 (0111) R-2815 DS-LCANLS-2 R-3650
If cancer has been gone for more than 5 years, applicant is eligible for
Idaho A273ID (0111) R-2815 DS-LCANLS-2(11) R-3650B this product.
Children are automatically covered for 60 days from birth or adoption.
Illinois A273IL (0111) R-2815 DS-LCANLS-2(12) R-3650 Uses term ‘first diagnosed’ instead of ‘first manifested’.
Indiana A273 (0111) R-2815 DS-LCANLS-2(13) R-3650 Uses term ‘first diagnosed’ instead of ‘first manifested’.
Iowa A273 (0111) R-2815 DS-LCANLS-2 R-3650 Coverage terminates on child’s 24th birthday.
Kansas A273KS (0111) R-2815 DS-LCANLS-2(15) —
Kentucky A273KY (0511) R-2815 Not Required R-3650Y
Eligibility: Includes grandchildren. Children are automatically covered
Louisiana A273LA (0111) R-2815 DS-LCANLS-2(17) —
for 60 days from birth or adoption.
Maine
Maryland
Massachusetts
Michigan A273 (0111) R-2815 DS-LCANLS-2 —
Minnesota
Mississippi A273 (0111) R-2815-C DS-LCANLS-2 —
Pays 10% of benefit if cancer is diagnosed during first 30 days.
Missouri A273MO (0111) R-2815 DS-LCANLS-2(24) —
Use term ‘first diagnosed’ instead of ‘first manifested’.
Montana Montana has a state special Marketplace Bulletin
Eligibility: Children up to age 30. Terminates for children when they
Nebraska A273 (0111) R-2815 DS-LCANLS-2 — marry or the anniversary date following their 30th birthday unless they
are a full-time student.
Nevada A273 (0111) R-2815 DS-LCANLS-2 —
New Hampshire
New Jersey
New Mexico A273NM (0111) R-2815 DS-LCANLS-2 —
New York
Eligibility: Children up to age 25. 60-day notice required for rate change.
One rate increase per 12-month period; 45-day notice of rate change.
North Carolina A273NC (0211) R-2815 DS-LCANLS-2(32) —
If cancer is diagnosed before 30 days, no benefit will be paid for 12 months.
Uses term ‘first diagnosed’ instead of ‘first manifested’.
North Dakota A273ND (0111) R-2815 DS-LCANLS-2 — Eligibility: Children to age 23; or 26 for college students.
Ohio A273OH (0111) R-2815 DS-LCANLS-2 —
10-day Free Look period. Uses term ‘first diagnosed’ instead of ‘first
Oklahoma S273OK (0916) R-2815 S-LCANLS-2(35) S-3650 manifested’. Pays 10% of benefit if cancer is diagnosed during the first
30 days.
Oregon A273 (0111) R-2815 DS-LCANLS-2(36) — 30 day notice of rate revision.
Pennsylvania A273PA (0311) R-2815 DS-LCANLS-2(37) R-3650E Uses term ‘first diagnosed’ instead of ‘first manifested’
Rhode Island A273RI (1013) R-2815 DS-LCANLS-2 R-3650
South Carolina A273 (0111) R-2815 DS-LCANLS-2 R-3650-4
South Dakota
Requires a reduced benefit of $500 if cancer is first diagnosed or
Tennessee A273TN (0111) R-2815-E DS-LCANLS-2(41) — occurs during first 30 days. Uses term ‘first diagnosed’ instead of ‘first
manifested’.

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Cash Cancer LNL1155 0818
 CASH CANCER (LS2, LS3, LS4)
Replacement
Application Brochure Outline of Coverage State Specific Policy Exceptions
Notice
Texas S273TX (0915) R-2815 S-LCANLS-2 S-3650 Eligibility: Children up to age 25, includes grandchildren.
Eligibility: Children up to age 18. Uses term ‘first diagnosed’ instead of
Utah A273UT (0111) R-2815-C DS-LCANLS-2(43) R-3650 ‘first manifested’.
Product Overview: Children are covered up to 26th birthday.
Vermont
Skin cancer pays $100 if diagnosed within 30 days of Policy Effective Date
Virginia A273VA (0611) R-2815 DS-LCANLS-2(45) R-3650 Eligibility: Children up to age 19 unless still dependent on parent; proof
of dependency must be submitted.
Eligibility: Children up to age 25. Children covered from birth. Use term
Washington A273WA (0612) R-2815-F LCANLS-2-DS(46) R-3650
“Producer” instead of “Agent”. Minimum coverage $30,000.
West Virginia A273 (0111) R-2815 DS-LCANLS-2(47) R-3650
Wisconsin A273WI (0111) R-2815 DS-LCANLS-2(48) R-3650F
Wyoming

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