Cancer Care Insurance Plan

Acceptance is guaranteed as long as you haven’t had cancer (except skin cancer) in the required cancer-free period. If you’re healthy today, don’t wait — cancer risk increases with age¹, and you may not qualify later.

¹ National Cancer Institute, Age and Cancer Risk, 2025, https://www.cancer.gov/about-cancer/causes-prevention/risk/age

The VFW Cancer Care Insurance Plan pays cash benefits REGARDLESS of any other insurance you have — medical, Medicare, or otherwise. Use the money for hospital co-pays, travel to treatment, prescriptions, or anything at all.

Yes! After being covered for 30 days, you can collect $30.00 for any outpatient cancer diagnostic test — positive or negative. You can collect this benefit every single year you remain enrolled.

No problem. There’s a 30-Day Free-Look Period. If you’re not completely satisfied after reviewing your certificate or policy, cancel for a full 100% refund of any premiums paid — as long as no claims have been filed.

Benefits can be used for anything — hospital bills, chemotherapy, radiation, operations, doctor visits, nursing care, prescription drugs, your mortgage, car payment, or any other expenses you choose. The cash is paid directly to you.

No. You cannot be singled out for cancellation, a benefit decrease, or a premium increase due to a change in your health or occupation. Your coverage stays in force as long as you pay premiums, remain a VFW Member in good standing, and the Master Policy remains in force.

Administered by:
A.G.I.A., Inc.
P.O. Box 9947
Phoenix, AZ 85068-9952

A.G.I.A., Inc. is licensed/authorized to transact business in all 50 United States, and the District of Columbia. Their state of domicile is California. Matt Bishop CA Insurance License #0F00863. Matt Bishop AR Insurance License #8493373.

Underwritten by:
Securian Life Insurance Company
400 Robert Street North
Saint Paul, MN 55101-2298

This information is a brief description of important features of the plan. It is not a contract. Terms and conditions of coverage are set forth in Group Policy Number 9200/9201/9202, under policy series 17-50995 and individual policy form series 17-51062 and any state variation thereof. Some provisions, benefits, exclusions or limitations herein may vary depending on your state of residence. Additional information is contained in the Certificate of Insurance which is issued to all persons who become insured under the plan. Availability of this offer may change. This plan may not be available in all states. In the event of any discrepancy between this information and the policy/certificate, the terms of the policy/certificate will apply.

Securian Financial is the marketing name for Securian Financial Group, Inc., and its subsidiaries, including Securian Life Insurance Company.

GUARANTEED ACCEPTANCE:
You are guaranteed acceptance as a member in good standing who has not had cancer (except skin cancer) in the last 5 years (3 years in LA, 2 years in VT, 12 months in TX, 6 months in ID, NV and UT).

MAXIMUM LIFETIME BENEFITS:
*Individual benefits are subject to lifetime maximums that vary per benefit. Total maximum lifetime benefits are $300,000.

EXCLUSIONS AND LIMITATIONS:
Benefits will not be paid under this Policy or any attached Rider for any loss caused by, resulting from, or contributed to by: Injury or Sickness other than Cancer; treatment or services performed outside of the United States. The policy does not cover any confinement or treatment not ordered by a physician, or not medically necessary for the care of cancer. Any injuries or sickness other than cancer are also not covered. Services or treatment that are solely diagnostic or exploratory in nature, except to the extent provided in the Group Policy, or treatment provided by a family member or obtained outside of the United States are not covered.

PRE-EXISTING CONDITIONS LIMITATIONS: Members and Dependents who have been medically treated for or advised of Cancer within 5 years (3 years in LA; 2 years in IL; 12 months in MS, NC, SC, TX & VA) prior to the Effective Date of Coverage are not eligible for this Cancer Insurance. No benefits will be payable for any covered person’s pre-existing condition (defined as a positive diagnosis or receipt of medical treatment consultation, advice, care or services for cancer prior to their effective date of coverage) subject to the eligibility timelines listed above. For residents of MO & SC: Cancer pre-existing conditions will not be covered until the earlier of 12 months during which no medical treatment or advice is given by a physician for that condition or they have been insured by the policy for 12 consecutive months (SC) or 24 consecutive months (MO), whichever occurs first.

BENEFIT WAITING PERIOD: Benefits are not payable for cancer diagnosed or treated within 30 days of the effective date. However, benefits for treatment or services for those cancers are payable after coverage has been in force for 12 consecutive months. In MO, the waiting period does not apply to a hospital stay due to cancer.

These limitations may vary by state.

Rates increase when you enter a higher age category as shown above. Rates and/or benefits may be changed on a class basis.

THIS IS A CANCER ONLY POLICY. This is a supplemental health insurance plan that requires you to have major medical coverage, Medicare, or other health coverage that meets “minimum essential coverage” as defined by the Affordable Care Act.