AMA Insurance Agency, Inc.

Provides coverage for accidental loss of life, limbs or sight
This is an accident protection plan that recognizes the financial concerns your family will have if you die or lose use of a limb as the result of a covered accident. As such, it pays the full benefit for the loss of life, any two limbs or sight in both eyes or any combination of limbs and eyes; 50% of the full benefit is payable for the loss of a single limb or eye.

A Benefit Designed for Physicians: Loss of Use of Limbs
This Plan can pay the full benefit amount you select - up to $1,000,000 - if a covered accident results in the permanent loss of the use of any two limbs.

Choice of Benefit Levels up to $1 million
You can choose the coverage that is right for you: $100,000 $200,000, $300,000, $400,000, $500,000, $750,000 or $1,000,000. Coverage for your eligible dependents is a percentage of the benefit amount you select.

Note: Benefits reduce by 50% at age 70.

Covered Losses
The benefit amount you select is the maximum benefit (excluding any applicable extra protection benefits) payable for losses resulting from any one covered accident.

Benefits are payable for losses that occur within 365 days after a covered accident; due to exposure to the elements and for an insured's disappearance following a covered accident. This plan can pay up to the full benefit you select from an accident that occurs while you perform professional services as part of your regular job obligations in a helicopter or other aircraft utilized as an air ambulance.

Benefits Paid for Covered Losses

• Up to $1,000,000 (the full benefit amount) for loss of: life, both hands, both feet, one hand and one foot, or irrecoverable loss of their use; sight in both eyes.
• Up to $500,000 (50% of the full benefit amount) for loss of: one hand or one foot, or irrecoverable loss of its use; sight in one eye.
• Up to $250,000 (25% of the full benefit amount) for loss of: thumb and index finger, on one hand.

Additional Benefits Paid if Loss of Life benefit is payable

• Up to $500,000 (50% of the benefit selected) for loss of life resulting from injuries as a fare-paying passenger on any form of public conveyance.
• $50,000 or 50% of your full benefit amount, (whichever is less) for death within 90 days of an automobile accident where seat belts were properly worn.
• Up to $5,000 for covered expenses incurred to return the insured's body to the United States, if death is due to a covered accident. Covered expenses include, but are not limited to, expenses for embalming, cremation, coffin and transportation.
• Up to $10,000 annually (for up to 4 years) for education expenses of insured spouse, domestic partner or dependent children who are entrolled as a full-time student in a college or trade school within one year of the insured member's accidental death.

AG-7377