Common use of FOREIGN TRAVEL EXCLUSIONS Clause in Contracts

FOREIGN TRAVEL EXCLUSIONS. Applications by US/Canadian residents with foreign travel will be excluded from automatic reinsurance and handled on a facultative basis if the following conditions apply: • The amount of insurance is in excess of $1 million and • Travel is to a “C” or “D” rated country where the expected travel is greater than or equal to three months or travel is to an “E” rated country where the expected travel is greater than one month.

FOREIGN TRAVEL EXCLUSIONS. Applications by US/Canadian residents with foreign travel will be excluded from automatic reinsurance and handled on a facultative basis if the following conditions apply: • The amount of insurance is in excess of $1 million and • Travel travel is to a country categorized as “C” or “D” rated country under the THE COMPANY’s underwriting practices, where the expected travel is greater than or equal to three months or travel is to an “E” rated country where the expected travel is greater than one month, or • Any travel to an “F” rated country.

FOREIGN TRAVEL EXCLUSIONS. Applications by US/Canadian residents with foreign travel will be excluded from automatic reinsurance and handled on a facultative basis if the following conditions apply: • The amount of insurance is in excess of $1 million and • Travel travel is to a country categorized as “C” or “D” rated country under THE COMPANY’s underwriting practices, where the expected travel is greater than or equal to three months or travel is to an “E” rated country where the expected travel is greater than one month, or, • Any travel to an “F” rated country.

FOREIGN TRAVEL EXCLUSIONS. Applications by US/Canadian residents with foreign travel will be excluded from automatic reinsurance and handled on a facultative basis if the following conditions apply: • The amount of insurance is in excess of $1 million and • Travel is to a country categorized as “C” or “D” rated country under the THE COMPANY’s underwriting practices, where the expected travel is greater than or equal to three months or travel is to an “E” rated country where the expected travel is greater than one monthmonth or any travel to an “F” rated country.