- Which specific conditions are covered - and at what percentage of the face amount?
- Is there a partial benefit for early-stage cancer or in-situ diagnoses?
- What is the survival period requirement (0, 14, or 30 days)?
- Are premiums level for the full term, or do they increase in bands?
- Is the policy portable if you leave your employer?
A trustworthy agent will answer all five in plain English and put the answers in writing. If any answer is vague, keep shopping.