Harvey Watt & Company, Aviation Insurance

ExpressJet Airline Crewmembers

SUPPLEMENTAL DISABILITY
LOSS OF LICENSE INSURANCE

WHY BUY SUPPLEMENTAL
DISABILITY INSURANCE?

As a pilot, you are far more likely to lose your medical certificate during your career than you are to die.

There are few occupations that impose the stringent health requirements demanded of every pilot. A slight medical deficiency could ground you indefinitely, causing you to lose income and suffer severe financial hardship. We can't make that go away, but we can make it easier - financially.

IS 55% ENOUGH?

Under your contract, ExpressJet pilots have excellent disability benefits. A 55% non-taxable benefit will make most pilots close to whole - financially. However, what if the disability is permanent and they can never go back to the cock-pit.

TAX FREE LUMP SUM

A tax-free lump sum of cash will allow a pilot who is permanently unable to fly to pay off mortgages and other debts, keep children in school, or finance re-education into another career. With those issues taken care of, it will be much easier to live on the reduced income from the ExpressJet plan.

WHY BUY FROM HARVEY WATT?

Harvey Watt & Co. pioneered the development of Group Airline Pilot Occupational Disability Insurance in 1951. Since then, Harvey Watt & Co. has continually offered disability and life insurance coverages to professional pilots throughout the United States and Canada.

Today our company continues to serve the needs of the commercial pilot by offering competitive rates, valuable benefits, and a traditional commitment to service.

Pilot Assistance

We believe the best way to help protect your income is to keep you in the cockpit. That's why our medical department is available free of charge to policy holders. Our goal is to provide medical advice that may help you avoid disability and the loss of your license.

When pilots lose their certificate, nothing is more important than getting back on flight status as soon as possible. Our medical department assists pilots by making sure they're doing all that can be done, with the right people in the right form and sequence, to expedite their return to flying. We know the system, and we can reduce the down time.

Best of all, we're just a phone call away...call (800) 241-6103 TOLL FREE in Atlanta, GA.

LUMP SUM DISABILITY
for Permanent Disability
Great Southern Pol. Form #ILS-C

From $25,000 to $250,000

Our years of experience have proven the importance of our Lump Sum payment policy. It permits a disabled pilot to reduce large financial commitments such as mortgages, business involvements, investments, real estate purchases, and children's education. In other words, it allows a disabled pilot to live within the reduced monthly income that invariably follows a permanent loss of flight status.

The Lump Sum Disability plan is designed to complement your company disability & retirement program after a twelve-month waiting period.
Disability is the permanent inability to perform the material duties of a commercial pilot due to sickness or accidental bodily injury.
Principal amount is paid in one TAX - FREE settlement, if you are permanently prevented from flying for medical reasons.
The plan provides higher coverage during your early years when you would have more trouble adjusting to a non-flying occupation or disability retirement.
Coverage decreases gradually as you get older when your company retirement program is more substantial and your financial commitments are more manageable.
You can buy up to 2.5 times your current annual earnings, in $25,000 units.
Minimum issue amount is $25,000 (1 unit).
Maximum issue amount is $250,000 (10 units).
Issued up through age 55.

TWO PLANS TO CHOOSE FROM:

PLAN A:

LEVEL LUMP SUM BENEFIT TO AGE 40

Beginning at age 40, benefit decreases 5% (of original face amount) per year to age 59, at which time the plan terminates.

Monthly Rate Per $25,000 Unit

Age	Monthly Premium	Lump Sum Benefit
Up to 30	$4.25	$25,000
30-34	$6.00	$25,000
35-39	$8.75	$25,000
40-44	$13.00	beginning at age 40 declines $1,250 per year to age 59 then plan terminates.
45-49	$17.25
50-59	$13.00

PLAN B:
LEVEL LUMP SUM BENEFIT TO AGE 50
Beginning at age 50, benefit decreases 10% (of original face amount)
per year to age 59, at which time the plan terminates.

Monthly Rate Per $25,000 Unit

Age	Monthly Premium	Lump Sum Benefit
Up to 30	$4.25	$25,000
30-34	$6.00	$25,000
35-39	$8.75	$25,000
40-44	$15.75	beginning at age 50 declines $2,500 per year to age 59, then plan terminates.
45-49	$29.25
50-59	$25.25

LUMP SUM EXTENDED COVERAGE

Only $6.00 per month

For only $6.00 per month, you can add an endorsement that will pay the disability benefit if you die during the last eleven months of the twelve month waiting period. The disability must be covered by the policy, and death must be from the same sickness or accident as the disability.
COVERAGE EXCLUSIONS
Great Southern Pol. Form #ILS-C
Complete exclusions are set forth in your policy, but are essentially those listed here. No benefit will be paid in the event of the following:

Disappearance of the Insured.
Death prior to the end of the disability waiting period (unless covered by life endorsement).
War, directly or indirectly caused or contributed to by the Insured's participation in combat operations or in close support of combat operations during war, whether declared or undeclared.
Intentional self-injury.
Agricultural flying.
Alcoholism, psychiatric illness, drug addiction or medical conditions with no objective medical findings.
Misrepresentation in the application of any material information directly related to the cause of the disability.
Preexisting conditions, unless condition is disclosed in the application and accepted by the insurance company.
If any FAA medical certificate (before joining the plan) was obtained by misstatement or concealment.
PLAN TERMINATION
Great Southern Pol. Form #ILS-C

Coverage under all plans will terminate on the earliest of the following dates:

The end of the period for which premium has been paid, if nonpayment of premium occurs.
The date the Insured ceases to be employed as a pilot by his employer, or takes a non-flying job.
The date the Insured's pilot certificate or flight status is suspended or revoked for non-medical reasons.
The date the Insured begins a voluntary leave of absence in excess of 60 days.
The end of the calendar month immediately preceding the Insured's 60th birthday.
The date the company completes payment of benefits under the policy.

COMMONLY ASKED QUESTIONS

Q. When is the Lump Sum benefit payable?
A. The Lump Sum policies are payable when the doctors agree that you are PERMANENTLY unable to fly and after 12 months of continuous disability.
Q. How much coverage can I purchase?
A. Up to two and one half times your current annual income, to a maximum of $250,000.
Q. Can I increase my benefits after I'm enrolled?
A. Yes, while you are within the issue age limits. To apply to increase your benefits, just contact Harvey Watt & Co.
Q. Can I be singled out for a rate increase if my health changes?
A. No. Once you are approved and your coverage is in effect, your monthly premium cannot be changed unless it is changed for everyone under this policy.
Q. When does my coverage take effect?
A. Each application is given prompt attention as soon as the results of your medical underwriting are available. Your coverage will become effective, upon approval of your application, on the first of the month following receipt of your premium.
Q. Who insures the plans?
A. The plans are underwritten by Great Southern Life Ins. Company, Administrative Office: 300 West 11th Street, Kansas City, MO 64105
Q. How do I apply?
A. Simply fill out a brief application and return envelope. Please be as complete as possible.

ExpressJet Airline Crewmembers Voluntary LOL.
c/o Harvey Watt & Co.
P.O. Box 20787
Atlanta, GA. 30320-9805

Note: Do not e-mail or fax information - we must have your original signatures.
Call us at 1-800-241-6103 if you have any questions.

·For Application Click Here.