Old Mutual is a licensed financial services provider that offers unique definitions for assessing claims. Their Greenlight product allows for a 100% payout for severe illness if symptoms last 24 hours, even with full recovery, requiring only raised cardiac markers or changes in ECG or symptoms. In comparison, other insurers require specific levels of all cardiac markers and only assess claims after 3 months, requiring permanent neurological impairment. Greenlight also offers a 30% payout for minor strokes lasting 1-24 hours with full recovery.