The finishing touch for an appropriately dressed Disability Financial Estate

AUTOMATIC ISSUE
Persons issued standard a fully underwritten non-cancelable disbaility policy within the past 90 days are eligible to enroll

HIGH ISSUE LIMITS
Up to $10,000 additional coverage without underwriting

COMPTABILE WORDINGS
"Own Occ" Coverage
Optional Residual Benefits
Optional COLA Rider

NOW YOU CAN OFFER "THE 65% SOLUTION" WITH ONE UNDERWRITING PROCESS.

1. Complete and submit signed and dated Top Hat Application Form and Authorization
2. Submit a copy of the Non Cancelable Disability Policy issued within the last 90 days

    No waiver or rated cases are acceptable.
    We may consider issuing if details as to the reason for the rating or waiver are submitted.

The Top Hat Program can be a simple daily routine.

With every standard non-can disability policy you receive in your office for delivery.

1. Determine if the insured has achieved "The 65% Solution" with the non-can carrier. (The chart on the previous page is a guideline to help you identify a potential prospect).
   
   
2. If the non-can carrier fell short of participating up to 65% of the insured's income, fax or email a copy of the newly issued policy to Petersen International Underwriters. Please let us know at that time that this is a Top Hat Program prospect and be sure a copy of the non-can carrier's application is included.
   
   
3. Within 1-2 working days, Petersen International will then prepare an offer for the additional automatic issue coverage through The Top Hat Program. An insurance offer, A Top Hat Application and an Authorization will be emailed to you.
   
   
4. You will then want to advise your client that you have wonderful news and because of "value added" service you were able to obtain a supplemental disability program which will solve "The 65% Problem".
   
   
5. You can now deliver the non-can policy and present the client with the Top Hat offer. By collecting the premium and obtaining a signature on the offer, authorization and Top Hat application, coverage would be bound and a policy issued once it is received in our office.
   
   

Dear Broker,

We have the capacity to issue supplemental disability insurance to your client based on their successful underwriting of the enclosed non-cancelable policy. The U.S. Department of Labor Statistics advises that people must have a cash flow equal to 65% of net earned income or they will fall behind financially. It appears to us that your client may be underinsured even after you place this non-cancelable policy. We have taken the liberty of having your client pre-approved for the attached "Top Hat" supplemental disability insurance plan. By obtaining a signature on the "Offer of Insurance", the "Authorization", the "Top Hat Application" and collecting the additional premium, coverage will be bound and a policy issued as soon as these items are received in the Home Office. This supplemental disability coverage is underwritten by Lloyd's of London (a 367 year-old firm) and administered by Petersen International Underwriters (a 30 year correspondent to Lloyd's of London). The coverage is the best supplemental high limit disability insurance in the market. If you have any questions in regards to the coverage we encourage you to call us. This is just another way that we work hard to bring you value added services.

Sincerely,

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.).

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.