Sickness, with its usual warning symptoms allows some lead time to prepare for the emotional and economic consequences that follow.

ACCIDENTS STRIKE WITHOUT WARNING!

Medical and Disability Insurance often fall short of covering the costs inherent with accidental bodily injuries and inadequately compensate for the specific losses of limb, sight, speech and hearing.

Life Insurance proceeds are seldom adequate to cover the financial loss due to death.

THE ACCIDENT HAZARD IS SUFFICIENTLY UNIQUE TO MERIT SPECIFIC INSURANCE.

• 24-Hour Coverage includes any accidental bodily injury, including air travel and common carrier coverage.
  
  
• Common Carrier Coverage includes any form of conveyance that is certified as a common carrier of passengers, including Air Travel.
  
  
• Aviation Only Coverage includes traveling as a passenger on a Certified Passenger Aircraft provided by a commercial airline on a regularly scheduled or non-scheduled, special or chartered flight and operated by a properly certified pilot. Military Air Transport Service is covered.
  
  

(See the Exclusions statement for accidents not covered by this certificate)

• Accidental Death pays the Principal Sum Benefit to the designated Beneficiary in the event of death due to accidental bodily injury, or exposure to weather as a result of an accident or disappearance or the sinking of a conveyance on which the insured was a passenger and the body is not found within 365 days of the accident.
  
  
• Dismemberment includes the loss of use of both hands or feet, or one hand and one foot, or the loss of sight of both eyes. The Principal Sum Benefit is paid for those losses. One half the Principal Sum amount will be paid in the event of the loss of sight of one eye, the loss of use of one hand or foot, the hearing of both ears or the ability to speak.
  
  
• Sudden Cardiac Arrest (SCA) is available only with the 24 hour AD&D benefit (AD&D & SCA). This coverage pays the full benefit if an insured person dies within 72 hours of a sudden cardiac arrest.
  
  

1. Do not send money with the application
2. Applications may be originals, photos, E-mail or facsimile copies. Completed applications may be mailed, E-mailed or faxed.
3. There must be one application completed for each person seeking coverage.
4. Underwriting time is one to four working days.
5. The earliest effective date available is the day of the underwriter's approval.
6. Benefits may not exceed ten times the annual income unless otherwise justified.

Lloyd's of London is the oldest insurance organization in the world. Approximately 100 underwriting syndicates are sanctioned to do business at Lloyd's. The Certain Underwriters that insure this coverage is a consortium of eighteen of the sanctioned Underwriting Syndicates. They have entered into a contract with Petersen International Underwriters to serve as their correspondent with the authority to underwrite this coverage and to issue the appropriate Certificate of Insurance.

• Benefits are payable in addition to any other plan.
• Benefits are payable for loss caused by exposure to the weather or in a conveyance that results in disappearance or sinking and the body is not found within 365 days of the accident. Benefits will be paid on the basis of presumption of death.
• Benefits are paid in a single lump sum.
• Covers accidental bodily injury sustained while the Certificate is in force and which results in loss within 365 days of the date of the accident.
• War or acts of war and/or terrorism may be covered under this plan by applying for such and paying the additional premium.

This certificate does not cover injury or death caused or contributed to by war, declared or undeclared, or acts of terrorism (unless such coverage is applied for and the appropriate additional premium has been paid), intentional self-inflicted injury or injury while committing a criminal or felonious act, alcoholism or drug addiction.

Petersen International Underwriters want you to understand how they protect the confidentiality of non-public personal information they collected about you.

PIU collects non-public information about you from numerous sources including, but not limited to:

1. Information PIU receives from you on applications and other forms;
2. Information about your transactions with the affiliates, others or PIU;
3. Information PIU receives from consumer-reporting agencies; and
4. Financial and medical sources.

PIU does not disclose any non-public information about you to anyone except as is necessary in order to provide the products or services to you or otherwise as required or permitted by law (e.g. subpoena, fraud investigation, regulatory reporting, etc.).

You have a right to request access to or correction of your personal information in PIU's possession.

PIU restricts access to non-public personal information about you to PIU's employees, PIU's affiliates' employees or others who need to know that information to service your account. PIU maintains physical, electronic and procedural safeguards to protect your non-public personal information.

If you have any further questions about this privacy statement or would like to learn more about how PIU protects your privacy, please contact us.

This plan is administered by

Petersen International Underwriters
23929 Valencia Boulevard, Suite 215
Valencia, CA 91355-2186

It is underwritten by Certain Underwriters at Lloyd's that is rated A "Excellent" by A.M. Best.

This is a brief description of the insurance provided by this plan. The Certificate of Insurance is the complete description of coverage. Rates and Wording may change without notice.