BROCHURE For

Physician & Surgeons High-Limit
isability nsurance
Underwritten by Lloyd's of London

This plan offers Physicians and Surgeons additional layer of disability coverage. If Physicians and surgeons are not insured up to 65 % of their income, we can help.

Monthly Disability Benefits

Proposed Use of This Insurance:
Personal Disability Buy-Sell Buy-In Buy-Out Key Person
Overhead Expenses Contract Guarantee Bank Loan Indemnification

Monthly 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.

Special Features:

       Total Disability Monthly Benefits will be payable to you when due to sickness or injury you no
            longer have the ability to perform in any professional capacity within the medical
            profession.

      Presumptive Disability benefits will be paid for the maximum benefits period even if you are able
           to return to your own or any other occupation. benefits will be paid 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 means that Total Disability benefits will be paid for disability following surgery
          if you donate an organ from your body to another person. Benefits will be paid as a sickness
          benefit. This Benefit is applicable after the certificate has been in force for six months or longer.

Options:

     Optional 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 Month Benefits Amount
          provided by this Certificate 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
amount based upon the consumer Price Index (CPI), but not to exceed 10% per year.

Lump Sum Disability Benefit

Proposed Use of This Insurance:
Personal Disability Buy-Sell Buy-In Buy-Out Key Person
Overhead Expenses Contract Guarantee Bank Loan Indemnification

Benefit Provisions:

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 Disability 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.

Conditions:

          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 unable to resume any professional duties
              within the medical profession and that you have suffered a career-ending disability.

         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.

Definitions:

       Term Of Insurance is the time period during which the terms of the Certificate or the Rates
             charged cannot be changed by the Underwriters. The Term of Insurance is typically twelve to
             thirty-six months. 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.

Grace Period - A Grace period of 31 days will be granted for the payment of each premium failing
due after the first premium, during which Grace Period the plan shall continue in force.

        This Is A Medical Occupation certificate. The plan will automatically terminate if you change your
            occupation to something outside of the medical profession after the certificate is issued, unless you
            get written acceptance from the 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.

         Physician, 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 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 disease or illness which is first diagnosed and results in a disability beginning
              while the Certificate is in force.

           Injury means accidental bodily injury sustained and which results in a disability beginning while
               the Certificate is in force.

Exclusions:
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 has accepted this extended risk.

This is a brief description of the insurance provided by the plan. The Certificate of Insurance is the
complete description of coverage.

For more information & quotes, please contact us today.
info@internationalriskmanagement.com
877-211-3654 or 559-294-0316

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Availability, features, benefits and rates for all plans described on this site are subject to change without notice
at the discretion of the insurance carriers. This site is updated weekly, but we recommend contacting us
directly to be assured of getting the most up-to-date information available.

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Reproduction by any means or for any purpose, except as specified on certain pages,
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INTERNATIONAL SECURITY NEWS BRIEFS:
Please note that we at Sunburst International Risk Management provides the International Security News Briefs as a value-added service to our international clients and visitors of this website. Our International Security News Briefs are updated frequently, in order to provide you with current and reliable news and events as quickly as we can. We have no control over the content of external websites, and links to various external news sources may become inactive at any time. We suggest that you bookmark our website and return frequently to check the current global news posted on our website.

Europe - United Kingdom
Crime 'stable' but robbery rises July 19, 2007
Crime in England and Wales has remained stable during the past year, according to Home Office figures.

East Asia / Pacific - China
Fifth of China goods sub-standard July 4, 2007
Nearly a fifth of goods made and sold in China have been found to be sub-standard, Beijing has revealed. The worst problems were found in canned fruit, dried fish and fruit drinks, a food inspectors' report said.

Sub-Saharan Africa - Nigeria
Scots oil worker held in Nigeria April 1, 2007
A British oil worker is still missing after being kidnapped in Nigeria, the Foreign Office has said.

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Middle East / N. Africa - Israel
Israeli union gripped by general strikes Mar. 21, /2007
Irael's main trade union has launched an open-ended general strike which threatens to bring transport and public services across the country to a halt.

Europe - Russia
55 Cities Could Face Spring Floods Mar. 15, /2007
More than 55 cities and towns across the country could be flooded this spring, according to a forecast released by the Emergency Situations Ministry.

Middle East / N. Africa - Algeria
Threat to Commercial Aircraft in Algeria Mar. 14, /2007
There is information that extremists may be planning to conduct an attack against a commercial aircraft carrying Western workers in Algeria. At this time, there is no additional information available as to the specific carrier or the timing of this attack.

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for Global Travel Medical, Accident, & Life Insurance

East Asia / Pacific - Thailand
Army doubts Bangkok attacks likely Mar. 12, 2007
Council for National Security chairman Gen Sonthi Boonyaratkalin Sunday dismissed rumours that southern insurgents plan to launch disturbances in the Thai capital anytime from Tuesday through Thursday.

Sub-Saharan Africa - Kenya
Mombasa Athletic Event Threats Mar. 6, 2007
Recent information emanating from alleged extremist elements suggests the World Cross-Country Championship may be the target of an unspecified terrorist attack. The embassy is also aware of public statements by leaders of Kenya�s Coastal Muslim community threatening to disrupt the Championship if the Government of Kenya does not satisfy various demands

Sub-Saharan Africa - Ethiopia
Tourists 'kidnapped' in Ethiopia Mar. 2, 2007
Addis Ababa, Ethiopia: A group of 15 foreign tourists has been kidnapped in north-east Ethiopia. They include 11 French nationals, at least one Briton and an Italian.

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East Asia / Pacific - Thailand
Muslim insurgency stokes fear in southern Thailand Feb. 26, 2007
PATTANI, Thailand: Some are already calling it war, a brutal Muslim separatist insurgency in southern Thailand that has taken as many as 2,000 lives in three years, with almost- daily bombings, drive-by shootings, arson and beheadings.

American Tourist kills mugger with bare hands Feb. 24, 2007
SAN JOSE, Costa Rica - An American tourist who watched as a U.S. military veteran in his 70s used his bare hands to kill an armed assailant in Costa Rica said she thought the attempted robbery was a joke � until the masked attacker held a gun to her head.

Sub-Saharan Africa - Nigeria
Three Croatians kidnapped in Nigeria Feb. 19, 2007
Port Harcourt, Nigeria: Gunmen kidnapped three Croatian oil workers from a bar in Nigeria's oil city of Port Harcourt.

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for Global Travel Medical, Accident, & Life Insurance

East Asia / Pacific - China
Buddhist beheaded in Thai south Feb. 9, 2007
A 72-year-old Buddhist rice miller was beheaded in Thailand's rebellious Muslim south on Thursday in an apparent retaliation for a bomb attack on a village tea shop owned by Muslims, police said.

Europe - Russia Feb. 5, 2007
Registration Rules Stir Up Confusion
Moscow, Russia: According to a new law that came into effect Jan. 15, foreigners are now required to hand over their registration papers to migration officials -- via their employer or other sponsor -- every time they leave the country and re-register upon subsequent entry into the country.

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for Global Travel Medical, Accident, & Life Insurance

Sub-Saharan Africa - Nigeria
Captors release nine Chinese oil workers in Nigeria Feb. 5, 2007
Nigeria, Lagos: Hostage takers in Nigeria released nine Chinese oil-worker captives, officials said on Sunday, amid rising violence in Africa's biggest petroleum producer.

Sub-Saharan Africa - Nigeria
Force no solution for Nigeria's oil delta Feb. 2, 2007
The Nigerian government faces a new challenge from spiralling crime in the oil-producing Niger Delta, but wants to avoid turning Africa's oil heartland into a battleground, Energy Minister Edmund Daukorua said.

Sub-Saharan Africa - Nigeria
Demands made for release of hostages 2/1/07
Manila - Nigerian kidnappers holding 24 Filipinos hostage have made "political demands" that have hampered negotiations to free them, the Philippine foreign department said Thursday.

East Asia / Pacific - Thailand 1/30/07
Two explosions in northern Bangkok
Bangkok - Two explosions occurred early on Tuesday morning along the main road in northern Bangkok. There were no casualties reported in the blasts near the Daily News newspaper and Rama Gardens Hotel Bangkok.

More Global Safety
& Security
News Briefs

For Information on How to Protect Yourself, Your Family, Your Employees, and Your Trips Abroad,
Contact our experienced Risk Managers today.
info@internationalriskmanagement.com
877-211-3654 or 559-294-0316

Click here for Instant Quotes & Online Purchase
for Global Travel Medical, Accident, & Life Insurance

Copyright (c) 2002-2007 by Sunburst International Risk Management.
Warning: All of the pages on this site are protected under U.S. and International copyright laws.
Reproduction by any means or for any purpose, except as specified on certain pages,
is not allowed without the express written permission of the copyright owner.

Sub-Saharan Africa - Nigeria Three Croatians kidnapped in Nigeria Feb. 19, 2007 Port Harcourt, Nigeria: Gunmen kidnapped three Croatian oil workers from a bar in Nigeria's oil city of Port Harcourt.

Sub-Saharan Africa - Nigeria
Three Croatians kidnapped in Nigeria Feb. 19, 2007
Port Harcourt, Nigeria: Gunmen kidnapped three Croatian oil workers from a bar in Nigeria's oil city of Port Harcourt.