Aviation Team Overview RKH Specialty   RKH Specialty Loss of Licence Insurance

Loss of licence insurance What is loss of licence? Provides financial support to Air Traffic Controllers in the event their license is lost due to an accident or illness Why is it needed? Air Traffic Controllers are unlikely to easily transfer their skills to other professions, thus the loss of a licence can have significant implications on earning potential Designed to overcome the restricted coverage of more traditional products like income protection and critical illness insurance Designed to provide 24 hours coverage, unlike workmans compensation which is restricted to workplace accidents When does it pay out? In the event of temporary or long term inability to continue as an air traffic controller How much does it pay out? Temporary disability: monthly benefit equal to 2% of the sum insured not exceeding 75% of pilot’s net monthly pay Long term disability: remainder of the sum insured (after any Temporary Total Disablement (TTD) payments) as a lump sum

RKH Specialty We can cover anyone being a part of an air traffic controller to an Association: Potential benefits to regional Associations and unions for purchasing loss of licence cover: Expand employee benefits offering Improve personnel retention Aid in collective labour agreements Assist in salary negotiations Fulfil contractual obligations

A market leading approach Knowledgeable and flexible underwriting Our products can be tailored to suit regional/country requirements Exceptional claims service Our panel of experts includes a specialist in aviation medical matters Claims paid directly to individual air traffic controller in co-operation with the association Minimal administration for the association Voluntary schemes can be administered with or without the association’s involvement Separate “members” section of policy for ease of communication to air traffic controllers Air traffic controllers Association can contact us directly on any cover matters

Providing peace of mind Benefits of our wordings: Full psychological illness cover option available No new excess period for recurrent disabilities Option for previous disability cover Temporary disability benefit payable for up to 24 months from date of loss

Product range What is covered: Hiscox product range Key area Individual Essential cover Extra cover Elite cover Psychological disorder(s) 100% Sum insured Excluded 50% Sum insured Previous disabilities excluded From inception 60 Months prior to inception 24 Months prior to inception Temporary excess period Option available 180 Days 90 Days Temporary pay period 24 months Proposal forms Yes None What is covered: Sporting activities Sickness benefit up to age 59 as standard Continuous coverage from policy commencement date Complications of pregnancy and childbirth New excess period waived for recurrent disabilities within six month period under Extra and Elite cover

RKH Specialty Aviation Key Personnel David Tyler David.tyler@rkhspecialty.com Kevin Eley Keley@rkhspecialty.com One Whittington Avenue London EC3V 1LE www.rkhspecialty.com