Commercial Pilots
Corporate Pilots
Cargo Pilots
Aerial Applicators
Agricultural Pilots
Firefighter Pilots
Air Show Pilots
Test Pilots
Air Ambulance Pilot

Monthly Benefits are payable while Totally Disabled beginning the first day following the Elimination Period and for as long as the Benefit Period for each disability.

Residual Disability Rider Benefits are payable when you are engaged in your regular occupation, or another occupation, and you experience reduced income of 20% or more, due to a disability. The benefit amounts will be calculated by multiplying the monthly benefit amount by the percentage of reduced income compared to the average monthly earned income received during the twelve-month period preceding the onset date of the disability.

Optional Cost of Living Adjustment (COLA) will automatically increase the monthly benefit each year based upon the Consumer Price Index (CPI), but not to exceed 10% per year.

This policy, subject otherwise to its terms, limitations and conditions covers claims arising out of bodily injury sustained by the insured person while flying as a pilot or crew member, in any aircraft for which the insured person holds a current valid license or as a passenger in any aircraft including boarding and alighting.

Total Disability Monthly Benefits are payable when, due to sickness or injury, you cannot perform the substantial and material duties of your regular occupation and you are under the regular care of a legally qualified physician.

Sickness, illness means a Sickness or disease which You are first diagnosed by a Physician while this certificate is in force causes You to be disabled that begins within 365 days from the date such Sickness or disease was first diagnosed.

Accident, Injury means accidental bodily Injury sustained by the insured person, which are the direct cause of loss, independent of disease or bodily infirmity.

Elimination Period means the number of consecutive days You are Totally Disabled or Residually Disabled if the Residual Rider was purchased, before a benefit is payable. The Elimination Period begins on the first day You are attended by a Physician who determines You to be Totally Disabled and/or Residually Disabled.

Maximum Benefit Period means the overall maximum number of months that benefits will be paid during any one period of Total Disability.

The Certificate of Insurance is issued for a period of 1 to 3 years. It is contemplated that the plan will be renewed, however, the underwriters reserve the right to refuse to renew the Certificate or to change the terms and/or the premium rates on renewal of the Certificate. A statement of good health or new application may be required by the underwriters for consideration of renewal. Non-renewal by the Insurer will be without prejudice to any claim in connection with a loss commencing while this plan is in force.

Recurrent Disabilities:
If after a period of Total Disability You resume occupation and You work at that occupation on a full time basis for a continuous period of at least 6 months, any Total Disability that begins after that time will be considered a new disability, even if it is a recurrence of the same condition that previously disabled You. If You do not work at least 6 consecutive months any later Total Disability will be considered as the same prior disability. If a new disability results from a cause entirely different and unrelated to the prior disability, such disability is subject to a new Elimination Period and Maximum Benefit Period.

Presumptive Disability:
You will be presumed to be Totally Disabled, if due to an Accident or Sickness You have totally lost: the use of both hands, or both feet, or one hand and one foot, or the sight of both eyes, or hearing of both ears, or the ability to speak. The Elimination Period will be waived. Regular Care is not required. The covered Monthly Benefits will be paid as long as the loss exists, up to the Maximum Benefit Period.

Transplant Benefits:
If this certificate has been in force for at least 6 consecutive months and You donate an organ from Your body to another person, the Total Disability which results from such surgery will be considered a Sickness. Benefits will be payable in the same manner as those for any other Sickness.

This is a Specified Occupation Plan. It will terminate automatically if you change from the occupation in which you where engaged at the time the plan was issued, unless an agreement has been obtained in writing from the underwriters and any additional premium required by the underwriters has been paid. The sole liability of the underwriters in the event of an occupation change shall be returned on a pro-rata basis any unearned premiums paid for the balance of the plan term.

No benefits will be paid due to Sickness or Injury caused by, contributed to by or related to the following and / or their treatments and / or complications thereof:

1. Suicide or intentional self-inflicted injury or poisoning;
2. War, declared or undeclared (Please note that Terrorism or Acts of Terrorism is defined differently than war and is covered under this certificate);
3. An act of Terrorism involving the use or release of any nuclear weapon or device or chemical or biological agent, regardless of any contributory cause(s);
4. While committing or attempting to commit a crime;
5. Taking of illegal drugs, or addiction or misuse of prescription or non-prescription drugs;
6. Alcohol abuse or addiction, or being under the influence or alcohol, as defined by the vehicle code of the state or province in which the Accident has occurred;
7. Mental or Nervous disorders;
8. Pre-Existing Conditions;
9. Subjective Pain or other symptoms unless supported by objective medical findings;
10. Pregnancy and pregnancy-related conditions including but not limited to fertility, pre-natal care, childbirth, miscarriage, abortion or postpartum conditions.

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.