Flight Guard^®

Flight Accidental Death and Dismemberment Insurance

coverage may not be available in all states

Flight Guard^® is Accidental Death and Dismemberment insurance which provides coverage for you and your family. This flight insurance is coverage for the entire duration of your trip while you are flying on commercial airlines. This is affordable coverage that should be considered with every flight you take.

Travel Guard's Flight Guard^® coverage is Accidental Death and Dismemberment insurance. The policy covers an insured while a passenger on, or boarding or alighting from a certified passenger aircraft. The flight must be provided by a regularly scheduled airline operated by a properly certified pilot. This valuable insurance includes:

100% benefit paid for:

• Loss of life
• Loss of both limbs
• Loss of sight in both eyes
• Loss of one limb and sight from one eye

50% of benefit paid for:

• Loss of one limb
• Loss of sight in one eye

If multiple losses result from the same accident, the total amount that will be paid will be limited to the amount of Flight Guard^® coverage purchased. Loss must be within 365 days of the accident. We will pay for loss of life if your body has not been found within one year of the accident.

$100,000 of Flight Guard coverage	$9
$200,000 of Flight Guard coverage	$18
$300,000 of Flight Guard coverage	$27
$400,000 of Flight Guard coverage	$36
$500,000 of Flight Guard coverage	$45
service fee	$5

Must be enrolled prior to departure

Q. Do I get to list a beneficiary?

A. Yes, you may list a beneficiary when you are enrolling for coverage.

Q. Will I be covered by the insurance if I am flying on a private plane?

A. You must be a passenger on a regularly scheduled airline or charter and operated by a properly certified pilot. Excluded are Private Planes.

Q. I am already on my trip and would like to enroll for flight insurance for my trip abroad, can I do so now?

A. You must enroll for Flight Guard^® coverage prior to departure. We cannot begin coverage after the trip has started.

Q. When does coverage begin?

A. The coverage begins on your departure date and covers all flights during the trip, including the return flight.

Q. How does my beneficiary file a claim?

A. To file a claim, your beneficiary can call Travel Guard^® between the hours of 7:00 am and 5:00 pm Central Time and start the process with a Claims Analyst on the telephone. The analyst will explain what needs to be provided to Travel Guard in order to pay your claim. The form will then be faxed or mailed to your beneficiary to provide that information.

Q. What if I want a refund of the premium?

A. Travel Guard is committed to providing products and services that exceeded your expectations. If you are not completely satisfied, you can receive a refund. Request must be submitted to Travel Guard in writing within three days of the receipt of your coverage, providing it is not past your original departure date.

Effective Date:
After any required Enrollment Form is completed, all coverages will begin on the later of:

• the date and time the Insured starts his/her Trip, provided any required plan cost has been paid.

Termination Date:
All coverage ends on the earlier of:

• the date the Trip is completed;
• the scheduled Return Date;
• the Insured's arrival at the Return Destination on a round Trip, or the Destination on a one-way Trip.

This plan does not cover any loss caused by or resulting from:

• operating or learning to operate any aircraft, as student, pilot, or crew;
• air travel on any air-supported device, other than a regularly scheduled airline or air charter company;
• any unlawful acts, committed by the Insured, a Family Member, or a Traveling Companion, or Business Partner whether insured or not;
• if the Insured's tickets do not contain specific travel dates (open tickets);
• any loss that occurs at a time when this coverage is not in effect.
• Sickness or disease whether the Loss results directly or indirectly from any of these;
• stroke or cerebrovascular accident or event; cardiovascular accident or event; myocardial infarction or heart attack; coronary thrombosis; aneurysm.

Insurance Coverage is underwritten by National Union Fire Insurance Company of Pittsburgh, PA., with its principal place of business at 70 Pine Street, New York, NY 10270 and currently authorized to transact business in all states and the District of Columbia.

02/2010