No cica is citizens security . No mib or rx check . Basically a Gi for unethical agents but the underwriting is very very slack . Legit takes chf Heart attack 1 day after cancer free even if 6 months after diagnosis . On many ailments like chf you must be seeing a dr for it and being treated . Will they pay a claim on these ailments the first 2 yrs ? I,m very skeptical . When claim form says “ If deaths in the first 2 yrs you can just take your money back and we won’t investigate “ . Lol that’s crazy to have that on death form .Is cica and polish falcons the same thing