Serving others around the world. A personal insurance plan for Foreign Missionaries

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1 Serving others around the world. A personal insurance plan for Foreign Missionaries GALLAGHER CHARITABLE

2 Foreign Missionary Insurance Plan A personal insurance plan for you. Gallagher Charitable International Insurance Services ( GCIIS ), in partnership with underwriters at Lloyd s of London, has developed a personal insurance package specifically for missionaries living overseas outside of their home country. These coverages are available only to missionaries who are members of Mission Organizations approved for this coverage. This program provides insurance for your personal property. Additional optional coverages include personal liability, scheduled personal property and personal accident. This brochure explains the coverages and answers some frequently asked questions. Please refer to the policy to determine your actual coverages, policy limits and exclusions. Benefits of this insurance program are: Coverage for personal property is insured for its replacement cost, subject to a $500 deductible. Ability to add several optional coverages to the Plan. Gallagher has many years of experience handling this unique type of personal insurance coverages. Coverage can be extended to include personal property kept in storage in the U.S. while on overseas assignment as long as it is indicated on the application and applicable participation fee is paid. Section I: Unscheduled Personal Property This coverage will pay for loss or damage to your personal property, subject to the policy limits, exclusions and deductible. Coverage is intended for general household items, furniture, appliances and clothing. This insurance provides coverage for damage to your property arising out of a covered peril, including fire, windstorm, vandalism, and theft. Coverage is worldwide. Losses are payable based on current replacement cost subject to a deductible. In addition to those effects listed above, coverage applies to the following property: Money up to $500 Personal documents and papers up to $1,000 Jewelry items which are not scheduled, subject to a total limit of $1,000 per occurrence Baggage accompanying you on business or personal trips Business Property in your care, subject to a total limit of $3,000 What is excluded under Section I? Loss or damage arising out of: Property in international transit. (This exclusion does not apply to accompanied baggage nor to articles which are scheduled under Section II, or if optional transit coverage is purchased.) 2 War, nuclear reaction Flood Mechanical breakdown, wear and tear

3 Breakage Mold, mildew, rot Vermin, insects Property while in your care, custody or control Losses involving: Pets Boats and related equipment Motor vehicles and related equipment Property located anywhere other than at your overseas or furlough residence unless in storage Please refer to the policy for a listing of all applicable exclusions. What does it cost? Please refer to the enclosed rate sheet. Section II: Scheduled Personal Property Scheduled Personal Property allows you to schedule (list) personal property for additional coverage. It is designed for items of higher value such as: jewelry, fine arts, silverware, and other items as specified in the policy. Specifically scheduling an item will insure your item against additional perils. For example, under this section, fine arts would be covered for breakage, a peril that is not insured against in Section I. This coverage will pay up to the amount you declare in your schedule and not replacement cost. To avoid being underinsured, GCIIS recommends that you provide current appraisals every three to five years. Coverage for fine arts includes full Pair and Set clause, which means that loss of one item will be treated as loss of the pair or set. Additional coverage for breakable fine arts (e.g., statuary, porcelains) is available for an additional participation fee. This additional coverage is subject to a deductible per occurrence as shown on the rate page contained within this brochure. What is excluded under Section II? Losses or damage arising out of: Normal wear and tear or gradual deterioration War or nuclear reaction Items being shipped internationally Breakage unless this coverage is specifically purchased Items in transit (Transit insurance is available as an optional coverage.) Loss to: Boats and motors Motorcycles, mopeds, trailers, auto electronic equipment Commercial property away from your residence or compound What does it cost? Please refer to the enclosed rate sheet. 3

4 Foreign Missionary Insurance Plan Section III: Comprehensive Personal Liability This coverage protects you against financial loss when you or a covered family member are legally liable for damages arising out of bodily injury or property damage to a third party. This coverage also pays for medical expenses incurred by a third party, as well as reimbursement of legal fees incurred for any defense. What is excluded under Section III? Losses arising out of: Motor vehicles Watercraft (not including boats with less than 50hp or sailboats less than 26 feet in length) Recreational vehicles away from your residence What does it cost? Please refer to the enclosed rate sheet. Section IV: Personal Accident This coverage will pay for bodily injuries resulting from an accident occurring anywhere in the world. If an injury sustained as a result of an accident results in death, dismemberment or loss of sight within one year after the date of accident, the plan provides the following benefits: Loss of Life...The Principal Sum Loss of two or more members (hand, foot or eye)...the Principal Sum The entire sight of both eyes...the Principal Sum One member and entire sight of one eye*...the Principal Sum One member*... 1/2 the Principal Sum The entire sight of one eye... 1/2 the Principal Sum Member *Loss of member means dismemberment by severance through or above the wrist or ankle, or irrecoverable loss of sight. Medical indemnity pays expense incurred up to the amount selected for medical and surgical care, trained nurse and hospitalization. 4

5 Section V: Transit What is excluded under Section IV? This policy does not cover loss caused by or resulting from: Intentionally self-inflicted injuries, suicide or attempted suicide War Accident occurring while the insured is serving on full-time active duty in the Armed Forces of any country or international authority Illness, disease, pregnancy, childbirth, miscarriage, bodily infirmity or any bacterial infection While the insured is working as a pilot or crew member in any aircraft Eligibility All full-time foreign missionaries of approved mission organizations are eligible to purchase this coverage as soon as they receive an overseas assignment. You must purchase the minimum required coverage under Section I and/or II to be eligible to purchase the coverage under this Section IV. Certificate of Insurance You will receive a certificate of insurance as evidence of your coverage under this plan. Note: The coverage provided by Section IV is intended to be a supplement to, and not a replacement for, any Life/Health/ Disability insurance you may have. What does it cost? Please refer to the enclosed rate sheet. Transit insurance is not provided by this plan as your mission may provide for this in conjunction with the shipping of your goods to and from the field under a separate plan. However, transit insurance is available as an option. For additional information, please see the attached rate sheet. Coverage is administered through Gallagher Charitable and the International Helpers Trust for all personal property carried by the traveler to their international destination. Also, if you send a dependent child to another country to attend school, coverage would apply to the personal property either carried by the student, or sent to him. Please indicate the amount and location of property with your child(ren) who are away at school. 5

6 Foreign Missionary Insurance Plan Questions Who is eligible for this program? This plan has been specifically designed for, and is available only to, missionaries who are members of Mission Organizations that have been approved for this coverage. Why should I schedule certain jewelry? The maximum amount payable for a jewelry loss under Section I is $1,000 per occurrence. If you have items exceeding this value, we recommend scheduling the items for coverage under Section II. Can I assign the value for scheduled property to be insured? An appraisal or bill of sale is the best way to determine the insured value of an item. Any item insured for more than $1,000 in value should be accompanied by a recent appraisal or bill of sale. What items should be scheduled? We recommend that the following be scheduled: jewelry, silverware, stamp & coin collections, and fine arts. Please keep in mind that the value listed on the application will be the maximum amount paid in the event of loss. How do I determine the value of my personal property? The best method is to take inventory of all your belongings. We recommend documenting the contents of your home with a camera or video camera. To determine the overall value of your belongings, calculate the value of each item based on current replacement cost For example, suppose your sofa was destroyed in a fire. You originally paid $500 for the sofa, but a new one of like kind and quality would cost $1,200 to replace today. The value of your sofa for insurance purposes is $1,200. Is it necessary to provide complete details of general property to be listed under Section I? No. It is not necessary to list each item and its value on property covered by Section I. Let us know the amount of contents to be insured This amount should include property on the field, property with your child at school and property in storage, including clothing. Can a missionary kid away at school in the U.S. be insured under the policy? Yes, in order for coverage to apply for a child away at school in the U.S., you must provide us with the location and value of the property to be insured. Is there coverage while we are in the U.S. on furlough? Yes. The policy covers all personal property you carry with you on furlough. What about accompanied baggage? Is it covered? Yes. Carry-On and Excess Baggage that you bring with you are covered. What should I do if I acquire new personal effects or valuable articles? Notify GCIIS as soon as possible after acquiring new valuable articles to insure them under Section II. Simply provide us with the date of acquisition, a full description, a bill of sale or current appraisal. 6

7 How do I determine if property should be scheduled or unscheduled? Items with a value in excess of $1,000, such as jewelry, silver, stamp and coin collections should be scheduled. If you are unsure as to which property should be scheduled, please contact your GCIIS representative. What do I do if I have a claim or loss? This guide will let you know what to do in the event you have a claim. If possible, theft losses should be reported to local police. What happens if I transfer to another overseas post? There is no change in coverage. However, you must advise GCIIS of your new address for coverage to remain in force. Would Section III (CPL) cover household workers for health care? Yes, unless you currently have a policy providing workers compensation benefits or are required by law to provide such coverage. For example, in Belgium, workers compensation is required by law, in which case, a separate policy must be purchased locally. What happens if I return to the United States? Your coverage will remain in effect until you have established permanent residence in the United States. You should obtain insurance coverage upon permanent relocation to the U.S. or Canada. A pro rata return participation fee will be refunded for unearned premium paid after one full year of coverage. Must I purchase insurance under ALL sections of this plan? No. But a $100 minimum premium will apply to all policies. How do I renew my coverage? GCIIS will contact you approximately 60 days in advance of the expiration date to review the renewal. The premium must be paid prior to the expiration date for all coverages to remain in force. Note: The policy, not this descriptive brochure, will form the contract between you and the insurance company. For complete provisions and exclusions, please refer to the policy itself, a copy of which is available upon request. Although we hope to be able to continue this program indefinitely, we must reserve the right to change or discontinue it at any time. Details about individual policy termination are found in the policies themselves. To arrange for coverage, please complete the appropriate application contained in the rear of this brochure. Additional Services Personal Property Insurance Program For Individuals or Groups Foreign Mission Package Insurance Package for Overseas Mission Offices, Schools and other Operations, including Property, Liability, Crime, Marine, Accident and Workers Compensation Volunteer Missionary Insurance Package For Groups or Individuals Accident & Special Risk Insurance Services Worldwide Accidental Death Coverage Emergency Medical Evacuation and Repatriation Baggage, Legal and Passport Assistance Services Crisis Management Directors & Officers Liability for Mission Boards Aviation Insurance for Mission Aircraft Fleets Group and Individual Medical Insurance For Missionaries and Families Overseas For Missionaries and Families Temporarily in the USA Health Insurance for Overseas Visitors Temporarily in the USA Group Catastrophic Medical Reinsurance and Health Resource Management Life Insurance and Related Products Individual Life Insurance for Missionaries Serving Overseas Group Term Life Insurance 7

8 We take smarter care of your risk so you can take better care of your business. Reduce your risk. Contact an advisor today. Dana Crowl Senior Vice President Program Manager Chad Vickery Area Vice President Arthur J. Gallagher & Co. at a glance Founded in 1927 by Arthur J. Gallagher and still run by the founding family. Decidedly not run like a family business, but rather a company with 14,000 family members. Over 450 offices in 20 countries and revenues of more than $2.5 billion. Divisions specializing in retail insurance brokerage operations, benefits and HR consulting, wholesale distribution, and third-party administration and claims processing. Arthur J. Gallagher & Co. offers client-service capabilities in more than 140 countries around the world through a global network of correspondent brokers and consultants Arthur J. Gallagher & Co. All rights reserved. Q:\2013\BSD\Niches\Gallagher Charitable\PersonalProperty.indd 10/13

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