1Liberty Insurance Underwriters, Inc., a Liberty Mutual company, issues Critical Illness Insurance on policy form ICI P18 and state variations identified by state code. Critical Illness insurance for diagnoses of critical illness or need for critical illness procedures is not a substitute for major medical insurance. Product design and availability vary by state. Features and benefits may vary based on state approval. The policy form contains definitions of each of the critical illnesses and critical illness procedures covered by the policy. This is a limited policy. Payment of benefits is based upon the diagnosis of the covered illness or need for a covered procedure and is subject to policy terms and conditions, such as preexisting condition limitations, benefit waiting periods, and lifetime policy maximums and other benefit limitations, including a reduction in benefit amounts on and after certain ages.Home office: Boston, Mass.Service center: Dover, N.H.