Personal Estate Plans
Income Replacement
Supplemental Disability
High Limit Disability

Business Estate Plans
Buy/Sell Agreements
Business Overhead Expense
Key Person
Contract Guarantee
Bank Loan Indemnification

Monthly Disability Benefits will be paid while you are disabled beginning the first day following the Elimination Period and for as long as disabled, but not longer than the Benefit Period.

• TOTAL DISABILITY: Benefits will be paid to you when due to sickness or injury you no longer have the ability to perform in your regular occupation.
  
  
• PRESUMPTIVE DISABILITY: Benefits will be paid for the maximum Benefit Period even if you are able to return to any other occupation should you lose the use of both hands, both feet, one hand and one foot, the sight in both eyes, hearing in both ears, or the ability to speak. The medical care requirements and the elimination period will be automatically waived.
  
  
• RECURRENT DISABILITIES: resulting from the same cause or causes are considered a new claim with a new benefit period if you have returned to your regular occupation, full-time, for six months or longer.
  
  
• TRANSPLANT BENEFIT: Is a Total Disability benefits that will be paid for disability following surgery if you donate an organ from your body to another person. This benefit is applicable after the policy has been in force for six months or longer.
  
  

• RESIDUAL DISABILITY: Benefits will be paid when you are engaged in your occupation and your income is reduced due to a disability by 20% or more. The benefit will be calculated by multiplying the monthly benefit by the percentage of reduced income compared to the average income for the preceding twelve months at the time of disability.
• OPTIONAL COST OF LIVING ADJUSTMENT (COLA) will annually automatically increase the monthly benefit amount based upon the Consumer Price Index (CPI), but not to exceed 10% per year.
  
  

The Lump Sum Disability Benefit is payable as a result of a covered injury or sickness resulting in you becoming permanently and totally unable to perform in your regular occupation.

• The Lump Sum Disability Benefit may stand alone or may be designed to follow the end of the benefit period of the Monthly Disability Benefits.
  
  
• The Lump Sum Benefit may be taken in a single lump sum, in multiple sum amounts or deposited to an annuity plan to provide long-term or lifetime cash-flow on a monthly basis.
  
  

• 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 be permanently totally disabled from your regular occupation.
  
  
• 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 permanently 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.
  
  

TERM OF INSURANCE is the time period during which the terms of the certificate or the rates charged cannot be changed by the Underwriters. On the renewal date following a Term of Insurance the underwriters reserve the right to refuse renewal or to offer renewal with different terms or rates.

THIS IS A DENTAL OCCUPATION certificate. The plan will automatically terminate if you change your occupation to something outside the dental profession after the certificate is issued, unless you get writ- ten acceptance from underwriters to agree to cover you in your new occupation. 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 which had been paid.

PHYSICIANS, COMPETENT MEDICAL AUTHORITY means an individual who is qualified to perform or prescribe surgical or manipulative treatment. A physician must be recognized (licensed or chartered) by the State or County in which he or she is practicing, cannot be a relative, must practice within the scope of his or her license. Treatment of a sickness or accident must be within the knowledge or expertise of the Physician.

SICKNESS means any sickness, illness or disease which is diagnosed or treated by a physician while this certificate is in force and is not excluded from coverage by name or specific description.

INJURY means accidental bodily injury sustained while the certificate is in force and results in a disability beginning while the certificate is in force.

This policy does not cover any loss resulting from pregnancy, maternity, suicide or attempted suicide, intentionally self-inflicted injuries while sane or insane, alcoholism, drug addiction, mental or nervous disorders, subjective pain unless supported by objective medical findings as to the cause of the pain, the commission or attempted commission of a criminal or felonious act or serving in the military service of any country except for service in the military reserve of the United States.

War, declared or undeclared, riot or civil insurrection, or acts of terrorism are not covered unless an additional premium has been paid to provide such coverage and the underwriters have accepted this extended risk.

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.