BROCHURE

Group High Limit
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Underwritten by Lloyd's of London

If you were sick or had an accident and couldn't work,
how long would your employer keep you on the payroll?
How many paychecks could you miss before you used up your savings?

Group High Limit Disability has extreme flexibility to cover most any type of situation. A Supplemental Disability is Way Beyond the Traditional Limits of Group LTD and Individual Disability Wraps.

Now you can easily accommodate Excess high limits for your group carve outs with available monthly benefits as high as $25,000 or more in addition to your group's current coverage for Domestic and International purposes.

If traditional insurance companies cannot handle it, there is a good chance we can with the Group High Limit Disability Insurance Plan.

Why Group High Limit Disability?
Because so many highly compensated employees has been denied adequate and reasonable amounts of disability insurance, the Underwriters of Lloyd's of London have designed the Group High Limit Disability Plan to be used once the traditional disability plans have maxed out or many not wish to consider the risk for other reasons.

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.

Special Features
       This is not an aggregate policy! This benefit is payable, in addition to and not reduced by,
              any other disability benefits provided by this or any other plan.

       The Principle Sum Benefit will be paid to you or to a designated loss payee, trust or annuity
               carrier. You may elect to receive the Benefit in any one of the following ways:
                       1.) Single payment
                       2.) Monthly benefits for a certain period of time or to a prescribed age.
                       3.) Monthly benefits for life
                       4.) Interest only for life with Principal Sum paid to beneficiaries at the time of your death.

       Simple Arbitration is utilized 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.

Conditions

Disability must result from an injury or sickness which first diagnosed or incurred and which results
in a loss beginning while the certificate is in force.

          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 the material duties of
                 your regular occupation and that you have suffered a career-ending disability.

Definitions
         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.

Specified Occupations
This is a Specified Occupation Plan. It will terminate automatically if you change from the occupation in which you were engaged in 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 return on a pro-rata basis any unearned premiums paid for the balance of the plan term.

Term Of Insurance
The Certificate of insurance is issued for periods of insurance ranging from one (1) to five (5) years in duration. It is contemplated that the plans will be renewed, however, the underwriters reserve the right to refuse to renew the certificate or to change the premium rates in renewal of the Certificate. A statement of good health 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.

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.

Exclusions
This plan does not cover sickness, injury or death caused or contributed to by war, declared or undeclared, acts of terrorism, suicide, self-inflicted injury or poisoning, the taking of illegal or non-prescribed drugs, drunkenness or alcoholism, mental or nervous disorders. It does not cover subjective pain unless supported by objective medical findings or injuries or sickness sustained while committing or attempting to commit a crime. With prior written agreement from the underwriters and the payment of any required additional premium, the exclusions of war, and acts of terrorism may be omitted from the Certificate.

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

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

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www.InternationalRiskManagement.com

HERE'S THE FINE PRINT:
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.

Copyright � 1999-2008 by Sunburst Worldwide Insurance Services. CA Insurance License #0B65721
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.

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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for Global Travel Medical, Accident, & Life Insurance

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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for Global Travel Medical, Accident, & Life Insurance

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.