Extraordinary events demand extraordinary measures. Help protect yourself against the costs of a catastrophic illness or injury. The ATLA Catastrophe Major Medical Insurance Plan now provides financial protection against extraordinary medical expenses not covered by your current insurance or through Medicare — up to $2,000,000 in protection, payable for up to five years, for each accident or illness. These higher maximums will help ensure that you can afford to receive the medical care you need when you need it most. If you have basic medical coverage where you work or have your own coverage, your plan probably has benefit limits, limits that could easily be exceeded by the high cost of many of today's lifesaving techniques. The ATLA Catastrophe Major Medical Insurance Plan can pick up where your current coverage leaves off — providing the supplemental benefits you need.

PURPOSE OF THE PLAN Supplements basic medical coverage at an affordable price. Provides up to $2,000,000 of financial protection for extraordinary medical expenses not covered by many medical plans or Medicare. Offers special features, including nursing home and home health care benefits. PLAN HIGHLIGHTS Easy Acceptance for ATLA Members You and your spouse are eligible for coverage provided you are a U.S. resident, if living in an eligible state, regardless of age, provided each applicant has not been diagnosed or treated in the last five years for any of the conditions listed on the application. Your Choice of Deductibles You may select a deductible of $25,000 or $50,000. The Plan starts paying benefits for covered medical expenses after you exceed your selected deductible (or the amount paid by Medicare or another medical plan, if greater). You have three full years to satisfy your deductible for each illness or injury. How This Plan Protects You Benefits will be paid after your deductible is met whether paid by another medical plan, Medicare, or out-of-pocket. The Plan then covers up to 100% of all eligible expenses* for each covered illness or injury including: Hospital Medical Surgical Convalescent Care Nursing Home Benefits No matter what your age, you may need custodial or convalescent care in a nursing home while you are recovering from a serious illness or injury. Many medical plans (including Medicare) do not offer this important benefit. Home Health Care Benefits The Plan can also pay reasonable and customary charges for covered home health care treatment for up to 100 visits in any one calendar year. * Certain limitations and restrictions apply.

For more detailed information about Plan eligibility, benefits, features, limitations and exclusions, please refer to the Catastrophe Major Medical Plan Information and Application Form.

Underwritten by The United States Life Insurance Company in the City of New York (called United States Life) on Policy # G-224,544.

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