FOR

• People in the Field of Professional Racing
  
• People Whose Avocation is Racing

COVERING

• Disability
• Accidental Death
• Major Medical

These plans are Specific Occupation Plans. They will terminate automatically if you change from the occupation in which you were engaged in at the time the Plan was issued, unless 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 to return on a pro-rata basis any unearned premiums for the balance of the plan term.

• Total Disability and Missed Race Indemnity
  You must be under the regular care of a legally qualified physician for benefits to be payable. If in the opinion of the physician, future or continued treatment would be of no benefit to you, regular care shall not be required.
  
  
• Permanent Total Disability
  
  • You must have been totally disabled for the Elimination Period and at the end of such period you are determined by competent medical authority to have suffered a Career Ending Disability to be eligible for the Lump Sum Benefit.
    
    
  • We reserve the right to have you examined by a physician of our choice. Should your physician and our physician not be able to agree that you are totally disabled, your physician and our physician shall name a third physician to make a decision on the matter which shall be final and binding.
    
    
• Medical Expenses
  
  • The Underwriters will pay necessary, usual and customary expenses for medical and surgical specialists' fees, hospital, nursing home and nursing attendance charges, cost of physiotherapy, massage and manipulative treatment, surgical and medical requisites, up to, but not exceeding the Maximum Benefit.
    
    
  • Covered expenses must be necessarily incurred and arise from illness manifesting itself or accidental bodily injury occurring during the Period of Insurance.
    
    

This is a brief and general description of the insurance provided by the plan. The Certificate of Insurance is the complete description of coverage. Market conditions change as to special coverages. A general description is appropriate, but the finite description is to be found in the certificate.

This endorsement does not cover 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 death caused by sickness or injury suicide, committing or attempting to commit a felonious act; taking of illegal or non-prescribed drugs, or addiction or misuse of prescription drugs.

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 not intended to be a complete outline of coverage. Actual wording may change without notice. Proposal good for 30 days.