HomeLIVING BENEFITS LIVING BENEFITS Living benefits Because you have a Life to Live and when life throws a curve ball Critical Injury an injury of a serious nature that: (a) places a life in jeopardy. (b) produces unconsciousness. (c) results in substantial loss of blood. Critical Illness an injury of a serious nature that: (a) places a life in jeopardy. (b) produces unconsciousness. (c) results in substantial loss of blood. Chronic Illness an injury of a serious nature that: (a) places a life in jeopardy. (b) produces unconsciousness. (c) results in substantial loss of blood. Terminal Illness an illness or disease process that is not responsive to curative medical treatment and which will worsen and eventually cause death.