The policy is issued to International Business Aviation Pilots Association (IBAPA) and coverage is subject to all policy terms, definitions, conditions, exclusions, and limitations. Availability and terms under which coverage may be continued in-force or discontinued vary by state. You must be a member of this IBAPA plan to receive these benefits. For complete details of coverage, please read your certificate or contact us. Coverage is subject to termination in accordance with the Master Policy provisions. Notice of termination provided to IBAPA is considered notification to all IBAPA members and will not be sent to you individually by Prudential. Prudential provides the Group Accident Only insurance. Prudential does not provide nor is affiliated with the discount programs provided as a part of membership in IBAPA.

Eligible members of International Business Aviation Pilots Association who are under age 65. Eligible Dependent spouse under age 65 and eligible children of members who are under age 65. (Spouse and child are not eligible for the Disability Income Benefit)

The following rates apply for coverage underwritten by The Prudential Insurance Company of Americabership in the International Business Aviation Pilots Association.

The rates for Executive Plus Membership are: $50,000 Group Accident Only: Individual = $2.75/m.

Loss of License Accident Disability Income Benefit

The Disability Income Benefit (DI) pays a monthly benefit of $1000, not to exceed 24 months, if you become disabled from a covered accident and are unable to work in your usual job. This benefit has an elimination period of 90 days.

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The products issued by The Prudential Insurance Company of America may not be available in all states.

Group Accident Only Insurance Exclusions:

The Policy does not provide benefits for:

• Treatment, services or supplies which:
  • Are not Medically Necessary;
  • Are not prescribed by a Doctor as necessary to treat an injury;
  • Are determined to be Experimental/Investigational in nature;
  • Are received without charge or legal obligation to pay;
  • Are received from persons employed or retained by any Family Member, unless otherwise specified; or
  • Are not specifically listed as Covered Charges in the Policy.
• Injury by acts of war, whether declared or not.
• Injury received while traveling or flying by air, except as a fare-paying passenger and not as a pilot or crew member, on a regularly scheduled commercial airline.
• Injury covered by Worker’s Compensation, Employer Liability law or Occupational
Disease Act or Law.
• Dental treatment, except as specifically stated.
• Injury sustained while committing or attempting to commit a felony.
• Prescription Drugs except as specifically stated.
• Suicide or attempted suicide while sane or insane.
• Intentionally self-inflicted Injury.
• Loss resulting from being legally intoxicated or under the influence of alcohol as defined by the laws of the state or jurisdiction in which the Injury occurs.
• Loss resulting from being under the influence of any drugs or narcotics unless administered on the advice of a Doctor.
• Injury sustained while participating in or practicing for any professional, intercollegiate or sports activity, except as specifically provided.
• Injury which occurs while a Covered Person is on active duty service in any armed forces. Reserve or National Guard active duty for training is not excluded unless it extends beyond 31 days.
• Injury sustained flying in an ultra-light, hang gliding, parachuting or bungee-cord jumping, by flight in a space craft or any craft designed for navigation above or beyond the earth’s atmosphere.
• Injury sustained while driving or riding on vehicles for off-road use including but not limited to all-terrain vehicles (ATV’s).
• Injury sustained where a Covered Person is the operator and does not possess a current and valid motor vehicle operator’s license, except in a Driver’s Education Program.
• Treatment in any Veteran’s Administration or federal Hospital, except if there is a legal obligation to pay.
• Cosmetic surgery, except for reconstructive surgery on an injured part of the body.
• Covered Charges incurred outside of the United States or its possessions.
• Competing in motor sports races or competitions;
• Competing in water sports races or competitions;
• Testing cars/trucks on any racetrack or speedway;
• Handling, storing or transporting explosives;
• Scaling up cliffs or mountain walls;
• Spelunking (exploring caves);
• Handling or working with dangerous animals.
• Injury sustained while water skiing or surfboarding;
• Injury sustained while snow skiing or snowboarding;
• Injury sustained while roller blading or skateboarding;
• Injury sustained while participating in a rodeo.
• Reinjury or complications of an Injury caused or contributed to by a condition that existed before the Accident.
• Repetitive motion injuries, strains, hernia, tendonitis, bursitis and heat exhaustion not related to a specific injury.

Pre-Existing Condition Limitation

A pre-existing condition is not eligible for benefits unless the Diagnosis occurs after this Rider Effective Date and the Waiting Period, if any, has expired. We will not pay benefits for a Pre-Existing Condition that is Diagnosed within the Pre-Existing Period stated in the Schedule of Benefits.

A Pre-Existing Condition is not covered unless the loss begins after the Benefit Eligibility Period for Pre-Existing Conditions has elapsed, as stated in the Schedule of Benefits. Cancer Benefit Rider and Specified Disease Benefit Rider Exclusions:

We will not pay benefits for:

• 1. A Positive Diagnosis of Cancer before the Effective Date of the Covered Person’s coverage under the Policy;
• 2. Any loss due to injury, disease or incapacity, unless related to or attributable to Cancer as defined;

Any Cancer when advice or treatment is received during the Waiting Period or prior to the Effective Date, and such advice or treatment results in a Positive Diagnosis of Cancer. If tissue is extracted during the Waiting Period or prior to the Effective Date, and results in a Positive Diagnosis of Cancer, this will not be a covered condition. For the purposes of this Rider, the date of a Positive Diagnosis of Cancer will be considered to be the earlier of the date of clinical diagnosis or the date the specimen used to diagnose Cancer is taken. If a Positive Diagnosis of Cancer is made and/or Cancer is treated within the Waiting Period, OR if medical advice is given within the Waiting Period which leads to the subsequent Positive Diagnosis of Cancer after the Waiting Period, the Insured has the option to cancel the Policy and receive a refund of all premiums paid on this Rider.

We will not pay benefits for claims resulting, whether directly or indirectly, from diseases that are related to, or are resulting from any of the following:

• 1. Any disease if the Covered Person was previously Diagnosed during the 12 months before the Rider Effective Date.
• 2. Any disease first Diagnosed within the Waiting Period, as shown in the Schedule, immediately following the Rider Effective Date.
• 3. Arrhythmia resulting in a Heart Attack that occurs in association with use of an illegal drug or controlled substance, except when administered in accordance with the advice of the Covered Person’s Doctor.
• 4. Any amount in excess of any Maximum Benefit for Covered Conditions.
• 5. Diseases or conditions that do not meet the definition of a Covered Condition in this Rider.
• 6. Suicide or attempted suicide.

PRE-EXISTING CONDITION:

A Pre-Existing Condition is a condition for which: (a) Medical advice or treatment was recommended by, or received from a Doctor, withing the Pre- Existing Period shown above; or (b) symptoms existed which would cause an ordinarily prudent person to seek diagnosis, care or treatment within the Pre-Existing Period before the Effective Date of the Covered Person’s coverage. Treatment includes being prescribed or taking prescription drugs or medicines.

A Pre-Existing Condition is not covered unless the loss begins after the Benefit Eligibility for Pre-Existing Condistions has elapsed.

Additional Disclosure

You have the option of downloading your certificate electronically. If you choose to do so, you are consenting to accept electronic delivery of your certificate. You also have the right at any time to receive a hard copy of your certificate.

LTD: Pre-Existing Conditions

A 12/12 pre-existing exclusion applies, as well as for any increase in benefits

LONG TERM DISABILITY:

What Disabilities Are Not Covered Under Your Plan? Your plan does not cover any disabilities caused by or resulting from your: · intentionally self-inflicted injuries; or · active participation in a riot; or · commission of a crime for which you have been convicted under state, provincial or federal law; or · a specified condition. Your plan does not cover a disability due to: · war, declared or undeclared, or any act of war; or · your pregnancy. But, this does not include a complication of pregnancy. Specified condition means a condition specifically named or described under Excluded Conditions in your Specifications Page. Complication of pregnancy means a condition, when pregnancy is not terminated, whose diagnosis is distinct from pregnancy but adversely affected or caused by pregnancy.