Introducing the AMA-sponsored Student Insurance Program

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1 Introducing the AMA-sponsored Student Insurance Program Term Life Insurance If you should die Your loved ones would receive $25,000 or $50,000. Spouse Term Life coverage is also available. Benefits double for accidental death. Disability Income Insurance If you become totally disabled and cannot attend class You would receive $1,000 per month for a covered disability for up to 12 months. Eligibility As long as you are under age 40 and a full-time student of a medical school or an osteopathic medical school approved by an appropriate accrediting agency, you are eligible for this coverage. Acceptance is Guaranteed This economical coverage is now available to you on a GUARANTEED ACCEPTANCE basis, as long as you apply by December 31, No health questions. No medical exam. No hassles. And you ll have an opportunity to continue coverage beyond graduation for each plan you secure at this time. Enroll Online Now Take a moment to review the following plan features, benefits and exclusions for the Student Term Life and Student Disability Income Insurance Plans. Why risk not having the coverage you and your family may need while you re in medical school? Enroll Online Now with confidence. Student Term Life Insurance As a medical student, you're carrying some heavy burdens, including perhaps student loans amounting to many tens of thousands of dollars. No one likes to think of death at your age, but accidents happen, and so do life threatening diseases that can occur at any age. If you should fall victim, why leave your family with unexpected financial obligations on top of the grief they'll already have? Instead, consider the Student Term Life Insurance Plan sponsored by the American Medical Association (AMA) that provides $25,000 of term life insurance for only $10 a year. Double your protection to $50,000 for just $10 more a year. Plus, the plan offers you these additional features:

2 Your benefits are automatically doubled for accidental death - $50,000 or $100,000. Acceptance is guaranteed for eligible medical students. There's no physical exam or health questions. Your coverage can be extended after graduation regardless of your health at that time. Spouses or domestic partners are also eligible to apply. You've made some hard decisions to get where you are. Now make a very easy decision to help protect yourself, your family, and your future. Features, Benefits and Exclusions Acceptance Guaranteed Eligible medical students have guaranteed acceptance in this plan during the open enrollment period (July 1 through December 31). Choice of Benefit Levels Select $50,000 of term life insurance coverage for just $20 a year or $25,000 of coverage for $10 a year. Spouse coverage is also available. Double Benefits for Accidental Death When death is due to a covered accident, your beneficiary is paid double the regular benefit. Benefits for Loss of Sight or Limbs This plan pays up to the full regular benefit amount for the entire and irrecoverable loss of sight in both eyes, loss of two limbs or even the loss of use of two limbs, due to a covered accident. One-half of the benefit is paid for the loss of one limb, or loss of its use, or loss of sight in one eye due to a covered accident. Premiums Waived if You Become Disabled If you become totally disabled prior to age 60, and the disability lasts at least nine (9) consecutive months, your premiums will be waived as long as the disability continues, up to age 65. Coverage May Continue After Graduation As long as premiums are paid when due, you can continue coverage through medical school even if your health condition changes. After graduation, you can continue at the preferred group physician rates without any medical approval. You'll also be eligible to apply for this plan s lowest "Preferred Plus" rates and/or an increased term life benefit amount on an underwritten basis.

3 Eligibility You're eligible to apply for this plan if you're under age 40 and a full-time student of a medical school or an osteopathic medical school approved by an appropriate accrediting agency. What's more, your spouse or domestic partner is eligible to enroll (if under age 40) - even if you don't! To enroll just your spouse or domestic partner, please download the enrollment form and mail to AMA Insurance Agency, Inc. Effective Date Your coverage will be effective on the first day of the month after we receive your enrollment form provided eligibility requirements are met and the premium is paid when due. Renewability and Termination Once insured, you can renew this student protection during medical school as long as eligibility is maintained, the premiums are paid when due, the group policy remains in force and the American Medical Association continues to sponsor this program. Exclusions For Life Insurance: Suicide while sane or insane during the first two years of coverage is limited to a refund of total premiums paid (except for Missouri residents for whom suicide is no defense to payment of life insurance benefits). For Accidental Death & Dismemberment Insurance: Flight in aircraft operated for training, testing or experimental purposes; ptomaine (unless accidentally ingested), bacterial infections (except pyogenic infections which occur simultaneously with and through an accidental cut or wound), or any other kind of disease; war or any act of war declared or not; mental or physical infirmity; suicide or intentionally self-inflicted injury while sane or insane are not covered (except for Missouri residents, suicide while insane is no defense to payment of accidental death benefits). State Availability This plan is not available in: AK, LA, MD, NH, OR, UT and VT AMA Insurance Agency, Inc. ( Agency ) is an Illinois corporation. Agency is licensed as a resident insurance producer in Illinois. Its principal place of business is located at 330 North Wabash Ave. Suite Chicago, Illinois, Agency is licensed as a non-resident insurance producer for life, health, property and casualty lines in all 50 states, including Arkansas (license # ) and the District of Columbia. Additional license numbers are available upon request.

4 Carrier Information This Insurance plan is underwritten by The United States Life Insurance Company in the City of New York, NAIC#70106, domiciled in the state of New York with a principal place of business of One World Financial Center, 200 Liberty Street, New York, NY 10281, licensed in all states, plus the District of Columbia, except Puerto Rico. This is a brief summary of benefits only and is subject to the terms, conditions, exclusions and limitations of Group Policy No. G-230,810 and Form No. G Coverage may vary or may not be available in all states. Student Disability Income Insurance Disability Income insurance is an important cornerstone of a professional's insurance portfolio. You may think that because of your age, you don't need this kind of coverage. Unfortunately, disabling accidents and illnesses can happen at any time, to anyone. Take this opportunity to help protect yourself against the financial impact of a disability. For only $41 a year, if you are an eligible medical student, you can apply for a plan that will pay you $1,000 a month for up to 12 months if you cannot attend classes due to a total disability as a result of a covered illness or injury. The benefit is paid directly to you in addition to any other health benefits you may receive, and can be used for any purpose such as living expenses, tuition, or student loans. No medical exams or health questions are required, and you'll also have the option to continue disability income coverage after graduation at standard rates, if you become a full time resident. You have enough on your mind right now without having to think about the prospects of a disability keeping you away from your medical school studies. Get more information about this important opportunity today. Features, Benefits and Exclusions This coverage is available to eligible medical students for an affordable $41 a year. It's an excellent value for the amount of coverage you receive-- $1,000 a month to help see you through a disabling illness or injury. Acceptance Guaranteed Acceptance in this plan is guaranteed during the annual open enrollment period (July 1 through December 31) for eligible medical students.

5 Monthly Benefits for Total Disability If you cannot attend classes due to a disabling illness or injury, you can receive monthly cash benefits of $1,000 for up to 12 full months. Your monthly benefits begin after a 30-day waiting or "elimination" period. The elimination period begins on the first day of a total disability. Definition of Disability This plan defines total disability as a sickness or injury that prevents you from attending classes and performing the normal duties of a medical student, and requires the regular care and attendance of a physician other than yourself or a family member. The disability must begin while you are actively engaged full-time in the school's curriculum and while covered under the plan. Benefits will not be payable for more than one disability at the same time, regardless of multiple causes. Coverage May Continue After Graduation If you are insured under this Student Disability Plan and you apply to change class designation from a Student to a Physician within three months after graduation, you will be accepted (provided you are not disabled and are practicing full-time) for up to $2,000 in monthly benefits, with no physical examination required or health questions to answer. Eligibility As long as you are under age 40 and a full-time student of a medical school or an osteopathic medical school approved by an accrediting agency, you're eligible for this coverage. Effective Date Your coverage will be effective on the first day of the month after we receive your enrollment form provided eligibility requirements are met and the premium is paid when due. Renewability and Termination You can renew this student disability insurance plan during medical school as long as eligibility is maintained, the premiums are paid when due, the group policy remains in force and the American Medical Association continues to sponsor this program. Exclusions This Plan does not cover disabilities caused by or resulting from: Intentionally selfinflicted injuries or any attempt thereof, while sane or insane; the use of any narcotic drug or other substance which is (a) subject to the Federal or the various state controlled substances acts, unless the prescription shall have been written by a Physician other than you, or (b) required by law to be dispensed by prescription only and used for other than a bona fide medical purpose as it relates to you or for other than the treatment of an existing medical condition; normal pregnancy and childbirth.

6 This does not include complications of pregnancy which are covered in the same manner as any other illness or sickness covered by this plan. Benefits will be payable either for injury or for sickness, but not for both, during any concurrent periods of disability. State Availability This plan is not available in: AK, LA, MD, NH, OR, UT and VT AMA Insurance Agency, Inc. ( Agency ) is an Illinois corporation. Agency is licensed as a resident insurance producer in Illinois. Its principal place of business is located at 330 North Wabash Ave. Suite Chicago, Illinois, Agency is licensed as a non-resident insurance producer for life, health, property and casualty lines in all 50 states, including Arkansas (license # ) and the District of Columbia. Additional license numbers are available upon request. Carrier Information This Insurance plan is underwritten by The United States Life Insurance Company in the City of New York, NAIC#70106, domiciled in the state of New York with a principal place of business of One World Financial Center, 200 Liberty Street, New York, NY 10281, licensed in all states, plus the District of Columbia, except Puerto Rico. This is a brief summary of benefits only and is subject to the terms, conditions, exclusions and limitations of Group Policy No. G-208,475 and Form No. G Coverage may vary or may not be available in all states. AG-11164