"Coma" means a state of profound unconsciousness from which one cannot be aroused that lasts continuously for at least a period of 168 hours requiring confinement in a Hospital or Medical Facility under the care of a Physician board certified as a neurologist. The Diagnosis must be supported by a Glasgow Coma Scale score of no greater than 7 or a Rancho Los Amigos score of Level V or less throughout the 168 hour period and an abnormal Electroencephalogram (EEG). Benefits will not be paid when a Coma has been medically induced. "Coronary Artery Disease" means narrowing or blockage of one or more coronary arteries resulting from plaque buildup. As a result of the Diagnosis of Coronary Artery Disease, the Physician must recommend that the Insured undergo a surgical procedure of a coronary artery bypass graft. However, if a Physician determines in writing at the time the care is being given that the Insured is too ill to safely undergo such procedure, the requirement that the procedure be recommended will be waived. No benefit is payable for Coronary Artery Disease if a Physician recommends balloon or laser angioplasty, stent procedures, or other minimally invasive procedure to increase blood flow. "Heart Attack" (acute myocardial infarction) means the death of a segment of the heart muscle resulting from blockage of one or more coronary arteries. The Diagnosis of a Heart Attack (acute myocardial infarction) must be based on: (1) typical symptoms of Heart Attack such as, but not limited to, chest pain, shortness of breath, or pain or discomfort in one or both arms; and (2) new electrocardiographic changes consistent with and supporting diagnosis of Heart Attack (acute myocardial infarction); and (3) a concurrent diagnostic elevation of cardiac enzymes above generally accepted laboratory levels of normal. The death of the heart muscle coincidental with death of the Insured from other causes will not be considered a Heart Attack. "Life Threatening Cancer" means a malignant neoplasm (including hematologic malignancy) which is characterized by the uncontrolled growth and spread of malignant cells and the invasion of tissue, and which is not specifically excluded. Leukemias and lymphomas are included. The following types of cancer are not considered a Life Threatening Cancer: (1) Prostate cancer diagnosed as less than T2NOMO according to the TNM scale or classified as less than Gleason Score 7; (2) Carcinoma in situ, including cervical dysplasia, CIN-1, CIN-2 and CIN-3, according to the CIN Grading System; (3) Pre-malignant lesions (such as intraepithelial neoplasia); (4) All tumors histologically described as: (a) benign; (b) pre-malignant; (c) non-invasive; (d) low-malignancy potential; or (e) borderline malignant; (5) All skin cancers, unless there is evidence of metastasis or the tumor is a malignant melanoma .75 mm. maximum thickness or greater as determined by histological examination using the Breslow method; (6) Chronic lymphocytic leukemia which has not progressed to a) Rai Stage II; or b) Binet Stage B; (7) Papillary carcinoma of the thyroid which does not exceed one cm in diameter and is limited to the thyroid; or (8) Non-invasive papillary cancer of the bladder which does not exceed TaNOMO according to the TNM scale. A positive Diagnosis of Life Threatening Cancer must be confirmed by pathological confirmation. We will, however, pay benefits based on a clinical diagnosis if pathological diagnosis is impossible because it is life threatening or medically inappropriate. LRS-9537-9-0118 Page 9.1