This benefit provides critical illness coverage for all children of the policyowner. It provides a lump sum, tax-free payment if an insured child survives 30 days following the diagnosis of one of the covered illnesses.

The cost is a fixed amount regardless of the number of children covered.
 
Issue Ages - (Age nearest)
 

• Policyholder: age 18 to 55
• 1 Child: age 2 to 17 years of age 

Any children born after issue will be covered starting on their 2 birthday. 

Sum Insured
 

• minimum: $5,000
• maximum: $25,000
   

Benefit Cost
 

• Fixed - Guaranteed
• Ceases to be payable when the policyowner turns 65
   

Termination of Coverage

On the earliest of:
 

• the policyowner's 65 birthday
• the last insured child turns 21 or 25, if a full-time student
• the date the benefit or the contract is terminated
   

Addition to a Benefit already in force

Characteristics
 

• Insured risks same as Harmony except for Alzheimer's and Parkinson's diseases
• Children born after issue are covered as of their 2 birthday
• Conversion not available