BROCHURE
 ilot's  isability  nsurance
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?
Pilots have always been a problem to insure for disability insurance. This
is due in part to the nature if their job and the medical qualifications required to
maintain their license. The Pilot Disability Insurance Plan was designed to assist in
providing an adequate disability estate for the Corporate Pilot, Aerial Applicator Pilot,
Cargo Pilot, Helicopter Pilot and many Commercial Pilots.
 Flight Category:
 Corporate
Pilot Firefighting
Pilot
Agricultural
Pilot
Aerial Applicator Helicopter Pilot
Aircraft Category:
Fixed Wing Jet
Fixed Wing
Prop Rotor
Craft
Monthly Benefits are payable while
Totally Disabled or Residually Disabled, if applicable, beginning the first day following
the Elimination period and for as long as the Benefit Period for each disability.
 Recovery, Recurrent and
Subsequent Disability:
A recurrent disability is one in which the Insured, having received monthly
benefits from this insurance, then recovers and subsequently suffers a recurrence of a
disability, while this policy is in force, and arises out of or is contributed to by the
same cause or causes as the original period of disablement.
The Insured is deemed to have made a recovery when he/she is able to engage
in his/her regular occupation and perform the major duties thereof, even if he/she
chooses not to.
If the period of recovery continues for 60 days or
more, the recurrent disability shall be subject to a new elimination period. If the period
of recovery is less than 60 days, no elimination period will be imposed.
If the Insured has made a recovery and suffers a
subsequent disability which is covered by this insurance and such subsequent disability is
entirely unrelated to the cause of any prior disability, a new elimination period will
apply.
With regard to any such recurrent or subsequent
disability as insured, the Underwriters will the monthly benefit only for the un-used
portion of the maximum benefit period not previously exhausted by payment of monthly
benefit due to any prior disability.
Air Travel:
This policy, subject otherwise to its terms, limitations and conditions covers
claims arising out of bodily injury sustained by the Insured person while flying as a
pilot, or crew member, in any aircraft for which the Insured Person holds a current valid
license or as a passenger in any aircraft including while boarding and alighting
there from.
Territorial Limits:
This policy covers the Insured person anywhere in the world.
Bodily Injury means identifiable physical injury
which:
1.) is caused by an Accident, and
2.) solely and independently of any other cause, except Sickness
directly resulting from, or medical or
surgical treatment rendered
necessary by such injury, results in a disability which begins within
twelve months from the date of the
Accident.
Accident means a sudden,
unexpected, unusual, specific event which occurs at an identifiable time and place. it
shall also include exposure resulting form a mishap to a conveyance in which you are
traveling.
Sickness means a sickness or
disease which first manefists itself while this policy is in force. it may result
(directly and independently of all other causes), in loss covered by this Policy.
Total Disablement means that you
are wholly and continually prevented from performing the major duties pertaining to your
occupation as a Pilot.
Elimination Period means the number
of days at the beginning of a period of total disability, for which no benefit is payable.
Maximum Benefit Period means the
overall maximum number of months as set forth in the schedule for which monthly benefits
are payable by the Underwriters.
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.
Exclusions
This plan does not cover losses arising from Bodily Injury, Sickness or
Disease directly or
indirectly caused or contributed by:
1. War, Invasion, Acts of Foreign Enemies, Hostilities (whether War be declared or
not)
Civil War, Rebellion, Insurrection or Military or Usurped Power or the Insured Person
engaging in or taking part in Naval, Military or Air Force service or operations.
2. Intentional self-injury, attempted suicide (whether felonious or not), assault
proved by the
Insured, dueling, fighting (except in bona fide self defense), venereal or other sexually
transmissible diseases.
3. Deliberate exposure of the Insured to
exceptional danger (except in an attempt to save
human life or to prevent loss of or damage to aircraft equipment or other property
what over) or any criminal act of the Insured shall have been convicted upon indictment.
4. Psychotic, Psycho-Neurotic or Epileptic causes, personality and/or character change(s)
or
mental or emotional disease of disorders of any type.
5. Any changes in medical standards imposed by the Licensing authorities or any
other
competent authority including Government during the period of third Insurance.
6. Being under the influence of alcohol or
having taken drugs or narcotics unless prescribed by
a legally qualified physician or surgeon.
7. Injury occasioned or occurring while the Insured Person is committing or attempting to
commit a felony or to which a contributing cause was the Insured Person being engaged in
an illegal occupation.
8. While riding or driving in any kind of race
or endurance test.
9. Pregnancy, Childbirth, Miscarriage, or Abortion
This is a brief description of the insurance
provided by the plan. The Certificate of Insurance is the complete description of
coverage.
For information and
custom quotes, please contact us
today.
info@internationalriskmanagement.com
877-211-3654 or
559-294-0316
Thank you for
visiting our website.
www.InternationalRiskManagement.com
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