AFLAC has upgraded their Cancer insurance plans, for new applications. Effective with the fall 2008 annual enrollment the prior plans cannot be sold as new coverage. Employees who purchased the older plans are encouraged to keep them.

This information is for Georgia residents only.

Our cancer insurance policy pays cash benefits (unless you tell us otherwise), cash you can use to help pay any expenses you like, including:
...... * Rent, mortgage, or car payments.
...... * Child care or tuition.
...... * Gas, electric, or telephone bills.

Policy benefits may also be used to help with health care expenses that are not typically covered by major medical insurance, including:
...... * Copayments and deductibles.
...... * Experimental treatments.
...... * Travel costs—so you can be nearer to your treatment center or family.

With Aflac’s cancer policy, you can choose the type of coverage you want and pay for it through the convenience of payroll deduction. And because premiums can be paid on a pre-tax basis, you may save tax dollars. Moreover, our policy pays benefits regardless of any other insurance you may have. Benefits are paid diurect to employees, unless otherwise assigned.

The Facts About Cancer:*

• About 1,444,920 new cancer cases were expected to be diagnosed in 2007.
• In the United States, men have slightly less than a 1-in-2 lifetime risk of developing cancer; for women, the risk is a little more than 1-in-3.
• Cancer is the second most common cause of death in the United States, exceeded only by heart disease.
• The five-year relative survival rate for all cancers diagnosed between 1996 and 2002 is 66 percent.

*Cancer Facts & Figures 2007, American Cancer Society.

This chart and the accompanying rates are for illustrative purposes only.
Limitations apply. Please refer to the brochure/riders for complete details, limitations, and exclusions.

	MAX Base Plan Cancer Indemnity Insurance only. Click For Brochure	MAX Plus 50 Cancer Indemnity Insurance with 2 riders: Cancer Screening and Annual Care Benefit Rider ($50 Cancer Wellness Benefit) and Initial Diagnosis Benefit Rider ($2,500/$5,000 Initial Diagnosis Benefit) Click For Brochure	MAX Plus 75 Cancer Indemnity Insurance with 2 riders: Cancer Screening and Annual Care Benefit Rider ($75 Cancer Wellness Benefit) and Initial Diagnosis Benefit Rider ($5,000/$10,000 Initial Diagnosis Benefit) Click For Brochure
Experimental Treatment  Benefit	$500 per week if charged incurred; $125 per week if no charge incurred	Same Coverage as MAX Base Plan	Same Coverage as MAX Base Plan
Immunotherapy Benefit	$500 once per calendar month
Anti-Nausea Benefit	$150 once per calendar month
Nursing Services Benefit	$150 per day
Skin Cancer Surgery Benefit	$50-$600
Surgical/Anesthesia Benefit	$140-$5000 (based on Schedule of Operations listed in the policy) 25% of benefit amount shown paid for administration of anesthesia during a covered operation
Outpatient Hospital Surgical Room Charge Benefit	$300 per day
Surgical Prosthesis Benefit	$3,000
Prosthesis Nonsurgical Benefit	$250 per occurrence
Reconstructive Surgery Benefit	$350-$3,000 25% of benefit amount will be paid for administration of anesthesia during a covered reconstructive operation
Ambulance Benefit	Ground $250                  Air $2,000
Blood and Plasma Benefit	Inpatient $150 times the number of days paid under the Hospital Confinement Benefit Outpatient   $250 per day
Additional Surgical Opinion Benefit	N/A	$300 per day	$300 per day
Bone Marrow Donor Screening Benefit	N/A	$40	$40
Cancer Vaccine Benefit	N/A	$40	$40
National Cancer Institute (NCI) Evaluation/Consultation Benefit	N/A	$1,000 per insured	$1,000 per insured
Transportation Benefit	50 cents per mile, up to $1,500	Same Coverage as MAX Base Plan	Same Coverage as MAX Base Plan
Lodging Benefit	$80 per day
Bone Marrow Transplantation Benefit	Covered Person  $10,000 Donor    $1,000
Stem Cell Transplantation Benefit	$10,000
Extended-Care Facility Benefit	$150 per day
Hospice Care Benefit	Day 1    $1,000 (one-time benefit) Additional Days  $50 per day
Home Health Care Benefit	$150 per visit
Cancer Wellness Benefit	N/A	$50	$75
Annual Care Benefit	N/A	$500	$500
Initial Diagnosis Benefit	N/A	$2,500 Primary Insured or Spouse $5,000  Dependent Child	$5,000 Primary Insured or Spouse $10,000 Dependent Child
Medical Imaging with Diagnosis Benefit	N/A	$200 per calendar year	$200 per calendar year
Initial Diagnosis Building Benefit	N/A	Please see the rider for more information.	Please see the rider for more information.
Hospital Confinement Benefit	Days 1-30 Named Insured/Spouse $300/day Dependent Child $375/day Days 31+ Named Insured/Spouse $600/day Dependent Child $750/day	Same Coverage as MAX Base Plan	Same Coverage as MAX Base Plan
Initial Treatment Benefit	$3,000
Radiation Therapy Benefit	$500 once per calendar week
Injected Chemotherapy Benefit	$900 once per calendar week
Oral Chemotherapy Benefit	Nonhormonal  $400 per medication, per calendar month Hormonal  $400 per medication, per calendar month up to 24 months $100 per medication, per calendar month after 24 months of paid benefits of hormonal oral chemotherapy
Continuation of Coverage Benefit	Please see the brochure for more information.
Waiver of Premium Benefit	Please see the brochure for more information.

Premium Based on Employee's Age - Children are included at no cost.

	MAX Base Plan	MAX Plus 50	MAX Plus 75
Individual One-Parent Family	Monthly Premium	Monthly Premium	Monthly Premium
Age 18-35	$16.12	$26.65	$29.64
Age 36-45	$23.40	$38.48	$42.77
Age 46-55	$33.02	$51.74	$57.59
Age 56-70	$43.55	$63.83	$71.24
Insured/Spouse Only Two-Parent Family	Monthly Premium	Monthly Premium	Monthly Premium
Age 18-35	$29.90	$51.74	$57.33
Age 36-45	$42.12	$71.37	$78.91
Age 46-55	$61.75	$98.15	$108.68
Age 56-70	$85.67	$124.41	$137.93

American Family Life Assurance Company of Columbus (Aflac)