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Terms and Conditions

Lost Wallet Protector from American Express

Effective November 1, 2013


About Lost Wallet Protector:

We can assist if your wallet, keys, mobile device or passport are lost or stolen. Lost Wallet Protector benefits include assistance with:
•  Credit, charge, ATM and debit card cancellation and replacement;
•  Service suspension for lost mobile devices;
•  Lost wallet and key return;
•  Delivery of copies of lost passports;
•  Driver’s license replacement in Connecticut, Florida, Massachusetts, New York and Ohio; and
•  Providing instructions to obtain a replacement license in other states. Other benefits include emergency contact notification services, an online Registration Center and fraudulent charge and identity theft insurance. Each benefit is explained in the Program Benefits section below.

Program Restrictions:

Lost Wallet Protector provides a Registration Center for you to store and access document and account information. Storage of information in the Registration Center is not required for most benefits, but will make it easier for us to assist you. Advance registration is required for key return, lost passport assistance and New York driver’s license replacement. Please see the Registering Your Information section below for details. Some card issuers and service providers will not accept cancellation or replacement requests from us. They may require you to call them directly, in which case we will contact you to let you know.

By law, issuers cannot hold you liable for more than $50 in fraudulent charges on your credit cards. Issuers may choose to hold you liable for less than $50 in fraudulent charges on your credit cards. Other maximum limitations may apply for fraudulent charges made on debit cards or similar products. Consult your card issuer’s terms and conditions for details.

This Program is Optional:

Lost Wallet Protector is optional. Whether you enroll will not affect your application for credit or the terms of any existing agreement you have with American Express.

Eligibility:

You must be an American Express cardmember residing in a U.S. state or the District of Columbia to enroll. If you are enrolled in Lost Wallet Protector and change your billing address to an address outside of the 50 U.S. States and the District of Columbia, your enrollment will be cancelled.

Program Fee:

$39.99 for a one year term or $99.99 for a three year term. Your credit or charge card account on file as your billing account for Lost Wallet Protector will be billed. The charge will appear on your account within one to two billing statements after your enrollment date.

Program Renewal:

Your enrollment will automatically renew when your term expires (annually for a one-year term or every three years for a three-year term). Unless we notify you in advance that your renewal fee will change, you will be billed for each renewal at the same program fee until your enrollment is cancelled.

Cancellation or Modification of Enrollment:

You may cancel your enrollment for any reason at any time by calling us at 1-855-597-2639. We may cancel your enrollment or modify these Terms and Conditions at any time and for any reason. If we modify these Terms and Conditions we will provide you at least 30 days written notice, unless your enrollment ends before that time.

If your enrollment is cancelled, you will not be charged future fees. You will no longer be eligible to receive Lost Wallet Protector benefits.

Refund Policy:

If you cancel within 60 days of your enrollment date or within 60 days of renewal, you will receive a full refund of the applicable program fee. If you cancel after the first 60 days of your enrollment or renewal, you will receive a prorated refund.

How to Contact Us:

If you have any questions, please contact us toll free at 1-855-597-2639. You may also send written correspondence and all documentation to:

American Express Travel Related Services Company, Inc.
Lost Wallet Protector
P.O. Box 1350
Lanham, MD 20706

DEFINITIONS USED IN THE TERMS AND CONDITIONS:

Enrollment Date:

The date we process your request to enroll in Lost Wallet Protector. If you request enrollment online or by phone, your enrollment date is the date of your request. If you request enrollment by mail, your enrollment date is the date we accept your request. Upon receipt, it may take us up to 3 business days to accept requests by mail.

Program benefits are available as of the enrollment date.

Primary Enrollee:

The person who enrolled in Lost Wallet Protector.

Registration Center:

Your registry of account information and personal documents. You can create and maintain this registry online. You can also call us or mail or fax information to provide updates to the Registration Center.

We, Us, Our, or American Express:

American Express Travel Related Services Company, Inc. and/or its affiliates or third parties used to provide Lost Wallet Protector benefits.

Welcome Kit:

Kit of materials which will be mailed to you upon your enrollment in Lost Wallet Protector.

You or Your:

The primary enrollee and his/her:
•  Spouse or domestic partner;
•  Dependent children under 19 years of age;
•  Dependent children from 19 to 25 years of age if enrolled as a full-time student at an institution of higher learning; and
•  Dependent children with medical or other special needs requiring dependency on the primary enrollee.

REGISTERING YOUR INFORMATION:

Registration Overview:

You may register your card numbers and other account information with us in the Registration Center. You may also register passports by providing us with copies for secure storage in the Registration Center. This will help us assist you if you need to use program benefits.

You must register in advance for the following benefits:
•  Key return – register the key ring tags in your welcome kit.
•  Passport assistance – register your passport by providing clear copies of the signed inside cover and amendment pages of your passport, even if blank.
•  Driver’s license replacement (New York only) – register your license.

If you do not register these documents in the Registration Center in advance, we may be unable to provide you with these benefits. We will still attempt to assist you to the extent possible.

Registration in advance is not required to use your other program benefits. However, storage of information in the Registration Center will make it easier for us to assist you if you need to use program benefits.

How to Register Information in the Registration Center:

Enter or update your information in the Registration Center by:
•  Calling us at 1-855-597-2639;
•  Going online at americanexpress.com/lwp; or
•  Completing and returning by mail or fax the registration forms contained in your welcome kit.

If you call us, you will speak with a representative who will be able to input the information you seek to register, and provide information on where to send copies of passport for storage in the Registration Center. If you choose to use the Registration Center online, you will see tabs directing you to add, edit or remove the information you want on your registry.

You will also be able to access information on where to send copies of passport for storage in the Registration Center. You will need to create a username and password to access the Registration Center online.

Among other things, you can register your credit card numbers and the names of your card issuers, your driver’s license state and number, your wireless service account provider and account information, key ring tags provided for the key return benefit and copies of your passport. You may also register the names and phone numbers of your contacts for use with Lost Wallet Protector’s emergency contact notification benefit.

PROGRAM BENEFITS:

To use program benefits, please call us at 1-855-597-2639. If you are outside the U.S., call us collect at 1-301-731-5724.

To provide benefits, we may need to access your registry or obtain information regarding your lost or stolen items. We may request other information to verify your identity and complete your request. We may also request information needed by your card issuers or service providers to complete your request.

At any time, you can access or update any information or copies of documents contained in the Registration Center online. You can also call us to request or update your Registration Center information.

Card Cancellation and Replacement:

If your credit, charge or debit card issued by a U.S. issuer is lost or stolen, call us and we will contact the issuer and request that your card be cancelled and replaced.

If you have not registered your card in advance, you will need to give us the name of your issuer and account information.

We will contact the issuer within two hours, or as soon as possible if the issuer does not provide 24-hour customer service. If we cannot report your loss to the issuer within two hours, we will call you.

We will contact you once we have notified the issuer and when we learn the status of our request.

Some issuers may ask that you call them directly to cancel or replace your card. If they do so, we will be unable to cancel or replace your card and will notify you that you will need to call them directly.

Please note that card cancellation will block a lost or stolen card from further use but will not close the account associated with the card. We cannot close and/or reopen the account associated with a lost or stolen card.

Mobile Service Suspension:

If your mobile device enabled with wireless service provided by a U.S. carrier is lost or stolen, call us and we will request suspension of your service.

If you have not registered your wireless service account in advance, you will need to give us the name of your carrier and account information.

We will contact your carrier within two hours, or as soon as possible if the carrier does not provide 24-hour customer service. If we cannot report your loss to your carrier within two hours, we will call you. If necessary, we will notify you if you need to call the carrier directly.

We will contact you once we have notified the carrier and when we learn the status of our request.

We are not responsible for any fraudulent charges or usage incurred on a lost or stolen mobile device. We are not responsible for the return of your lost or stolen mobile device.

Wallet Return:

If your wallet is lost or stolen, we may be able to return it through our wallet return service.

In your welcome kit, you will receive a wallet card which contains our contact information.

Keep the wallet card in your wallet. If you lose your wallet and its finder calls us, we will work with the finder to have your wallet mailed to us. When we receive your wallet, we will return it to you.

As a reward, we may provide an American Express gift card to the finder. Only one reward will be given within any 12-month period. You will not be billed for any reward.

We are not responsible for any lost or stolen wallet that is not returned, or for any returned wallet which is damaged or missing some or all of its contents. We will not reimburse any cash missing from your wallet.

Key Return:

If your preregistered keys are lost or stolen, we may be able to return them through our key return service. In your welcome kit, you will receive key ring tags which contain our contact information. You should place a key ring tag on each of your key rings.

To use this benefit, you must register your key ring tags in advance. Please see the Registering Your Information section above for details. If you do not register in advance, we may be unable to return any missing keys, although we will attempt to do so if possible.

If you lose your preregistered keys and their finder calls us, we will work with the finder to have your keys mailed to us. When we receive your keys, we will return the keys to you.

We are not responsible for lost or stolen keys that are not returned, or for any returned key ring that is missing keys.

Passport Assistance:

If your preregistered passport is lost or stolen, call us and we will send a copy of it to the nearest consulate or embassy. This may help you obtain a replacement or receive other assistance.

To use this benefit, you must register your passport with us in advance. Please see the Registering Your Information section above for details. We will tell you where to send a copy of your passport for us to place in your registry. If you do not register in advance, we may be unable to send a copy of your passport, although we will attempt to do so if possible.

We will send copies of your passport overnight or by fax to the nearest embassy or consulate.

We cannot request replacement of your passport on your behalf. We do not guarantee replacement of your passport and are not responsible if your request for a new passport is rejected or delayed. We are not responsible for any fraudulent use of your passport copy upon delivery.

Driver’s License Assistance:

If your driver’s license issued in Connecticut, Florida, Massachusetts, New York or Ohio is lost or stolen, call us and we will request a replacement license for you.

If your license is issued in New York, you must register your license with us in advance for us to request a replacement. Please see the Registering Your Information section above for details.

For the other four states, if you have not registered your license in advance you will need to give us your license information for us to complete the request.

We will contact you once we have notified the issuer. Our request for a replacement license may be denied. If so, we will be unable to replace your license and will call you.

Driver’s license replacement fees vary by state and you will be charged for any such fees incurred in obtaining your new license.

Also, if your driver’s license issued in any state (including those not listed above) is lost or stolen, call us and we will inform you of the process for obtaining a new license.

Emergency Contact Notification Benefit:

You may list the names and phone numbers of various contacts in the Registration Center. If for any reason you are unable to directly reach your contacts, call us and we will call and notify your contacts as you request. We can recite a message from you to your contacts, or can play a prerecorded voice message from you to your contacts. This benefit may be used at any time and in any circumstance where you need to reach your contacts.

You may store a brief message that can be recited in thirty or fewer seconds for your contacts. You can store this message in advance by entering it in the Registration Center or by calling us and reciting the message to us. You may also record a voice message in the Registration Center for us to deliver to your contacts.

You must call us to request that we notify your contacts. You will need to tell us which contacts to notify, and what method to use. If you have not stored your contacts or message in advance, you will need to give us their contact information and your message when you call.

We will attempt to reach your contacts with your message to the extent possible, including calling your contacts up to three times in a two hour period. We will not leave a voicemail of your message unless you provide express consent when you call. We are not responsible for any outcome resulting from the delivery or non-delivery of your message.

We reserve the right to refuse to store or deliver certain types of messages. This includes but is not limited to messages of a sexual nature, messages containing profanity or offensive language, messages that incite against a federally protected demographic and messages that mention or promote violent acts.

Fraudulent Charge and Identity Theft Insurance:

If you are a U.S. resident, you may be reimbursed for fraudulent charges on your credit cards or bank cards not covered by the card issuer, up to $5,000 per occurrence. You may also be reimbursed for excess identity theft expenses, up to $1,000 per occurrence.

By law, issuers cannot hold you liable for more than $50 in fraudulent charges on your credit cards. Issuers may choose to hold you liable for less than $50 in fraudulent charges on your credit cards. Other maximum liability limitations may apply for fraudulent charges made on debit cards or similar products. Consult your card issuer’s terms and conditions for details.

This benefit is underwritten by Federal Insurance Company, a member insurer of the Chubb

Group of Insurance Companies, located at:
Crawford and Company
P.O. Box 4090
Atlanta, GA 30302

To qualify for this benefit, satisfactory proof of your loss must be provided. Proof of loss may require a police report detailing your loss, and documentation of fees and charges incurred. Reimbursement will not be made if fees or charges were incurred prior to your enrollment.

This section is descriptive only. Actual coverage is subject to the language of the policies as issued. Exclusions apply. Please refer to the description of coverage attached to these Terms and Conditions.

Fraud Deterrent Stickers:

In your welcome kit, you will receive Fraud Deterrent Stickers which may be placed on your cards, mobile devices, or other property to dissuade would-be thieves from attempting to steal such property. These stickers are merely intended to be a deterrent to thievery.

OTHER TERMS AND CONDITIONS:

Use of Third Parties:

The fraudulent charge and identity theft insurance benefit is underwritten by Federal Insurance Company. All other benefits are provided by Encore Marketing International, Inc.

We provide benefits subject to the terms, conditions and limitations of these third parties. If they change, suspend or stop providing any benefit, we may similarly change, suspend or stop providing the benefit to you, at our sole discretion. We may nevertheless try to provide such benefit in another way or by using another third party.

No Representations or Warranties:

TO THE FULLEST EXTENT PERMITTED UNDER APPLICABLE LAW, AMERICAN EXPRESS DOES NOT MAKE, AND EXPRESSLY DISCLAIMS, ANY REPRESENTATION OR WARRANTY OF ANY KIND, OR THAT LOST WALLET PROTECTOR AND THE ENROLLMENT BENEFITS ARE ERROR FREE. YOU ARE SOLELY RESPONSIBLE FOR ANY USE YOU MAKE OF LOST WALLET PROTECTOR AND ITS BENEFITS OR ANY ACTION OR DECISION YOU MAKE BASED ON IT. Further, you agree that American Express will not be liable to you or any third party if American Express suspends or terminates your use of Lost Wallet Protector for any reason.

Limitation of Liability:

IN NO EVENT SHALL AMERICAN EXPRESS BE LIABLE FOR ANY INCIDENTAL, CONSEQUENTIAL, DIRECT, INDIRECT, SPECIAL, EXEMPLARY, PUNITIVE OR SIMILAR DAMAGES ARISING FROM OR RELATED TO YOUR LOST WALLET PROTECTOR ENROLLMENT. AMERICAN EXPRESS’ TOTAL LIABILITY ARISING FROM OR RELATED TO YOUR USE, ACCESS TO, OR INABILITY TO USE LOST WALLET PROTECTOR WILL NOT EXCEED THE AMOUNT PAID BY YOU FOR LOST WALLET PROTECTOR DURING THE ENROLLMENT TERM OR RENEWAL TERM IN WHICH ANY CLAIM OR DISPUTE ARISES.

Governing Law:

These Terms and Conditions are governed by the laws of the State of New York, exclusive of its choice of law principles.

Arbitration:

For purposes of this section, the following capitalized terms shall be defined as follows:

Claim: Any claim, action, dispute, disagreement or controversy arising out of these Terms and Conditions or your Lost Wallet Protector enrollment.

Code: The code of procedures of the national arbitration organization to which the Claim is referred in effect at the time the Claim is filed.

Any Claim shall be resolved, upon the election by you or American Express (or any other party to the Claim), by binding arbitration pursuant to this Arbitration Provision and the Code, except to the extent the Code conflicts with these Terms and Conditions.

Claims shall be referred to either JAMS or the American Arbitration Association, as selected by the party electing to use arbitration. If a selection by American Express (or any other party to the Claim) of either of these two organizations is unacceptable to you, you shall have the right within 30 days after you receive notice of the election to select the other organization listed to serve as arbitration administrator. In addition to the arbitration organizations listed above, a Claim may be referred to any other arbitration organization that is mutually agreed upon in writing by you and American Express (and all other parties to the Claim), or to an arbitration organization or arbitrator(s) appointed pursuant to section 5 of the Federal Arbitration Act, 9 U.S.C. sections 1-16, provided that any such arbitration organization and arbitrator(s) will enforce all of the arbitration terms set forth herein.

Any party, however, may seek to resolve the Claim by proceeding in small claims court (so long as the Claim is individual and pending only in that court).

Neither you nor American Express (or any other party to the Claim) shall be entitled to join or consolidate claims in arbitration by or against other consumers or arbitrate any claim as a representative or member of a class or in a private attorney general capacity. If any party elects to resolve a Claim by arbitration, that Claim shall be arbitrated on an individual basis.

The parties voluntarily and knowingly waive any right they have to a jury trial. The parties also acknowledge and agree that they shall not have the right to participate in a representative capacity or as a member of any class of claimants pertaining to any Claim subject to arbitration.

You will be responsible for paying your share, if any, of the arbitration fees (including filing, administrative, hearing and/or other fees) provided by the Code, to the extent that such fees do not exceed the amount of the filing fees you would have incurred if the Claim had been brought in the state or federal court closest to your billing address that would have jurisdiction over the Claim. The payment of the remainder of any arbitration fees shall be paid by the other parties to the Claim. At your written request, the other parties to the Claim will consider in good faith making a temporary advance of all or part of your share of the arbitration fees for any Claim you initiate as to which you or American Express (and any other party to the Claim) seek arbitration. You will not be assessed any arbitration fees in excess of Your share if you do not prevail in any arbitration.

The terms of this section shall survive any termination, cancellation or expiration of these Terms and Conditions.

Credit Card Forgery and Counterfeiting and Identity Theft Insurance
Description of Coverage

THE PLAN: As an American Express Cardmember enrolled in Lost Wallet Protector from American Express, you your spouse, or domestic partner and your dependent children will be insured against the benefits provided below.

ELIGIBILITY: This insurance plan is provided to All American Express Cardmembers who are enrolled in Lost Wallet Protector from American Express, their Spouse / Domestic Partner, and Unmarried Dependent Children.

THE COST: This insurance plan is provided for a fee to eligible cardmembers who have enrolled in Lost Wallet Protector from American Express.

THE BENEFITS:

Credit Card Forgery and Counterfeiting
We reimburse up to $5,000 an Insured Person’s legal obligation for Credit Card Forgery and Counterfeiting if the Credit Card Forgery and Counterfeiting is a result of an Identity Theft Occurrence.

Identity Theft
We will also reimburse Identity Theft Expenses up to $1,000 if an Insured Person incurs Identity Theft Expenses as the result of an Identity Theft Occurrence. The Identity Theft Benefit Amount is excess over any other insurance or indemnity available to the Insured Person.

DEFINITIONS:

Account means Credit Card accounts, & Debit Card accounts.

Accountholder means any individual who is named on an open and active account with the policyholder.

Cardholder or Cardmember means an individual who is named on the account card issued by the policyholder.

Credit Card Forgery and Counterfeiting means theft, forgery or counterfeiting of a credit card or bank card issued to an Insured Person; or theft of a credit card number or bank card number issued to an Insured Person when used electronically, including on the internet.

Dependent Child means the Primary Insured Person’s unmarried child from the moment of birth, including a natural child, grandchild, stepchild or adopted child from the date of placement with the Primary Insured Person. The Dependent Child must be primarily dependent upon such Primary Insured Person for maintenance and support, and must be under the age of nineteen (19); under the age of twenty -five (25) if enrolled as a full-time student at an Institution of Higher Learning ; or classified as an Incapacitated Dependent Child.

Domestic Partner means a person designated by the Primary Insured Person who is at least 18 years of age and competent to enter into a contract; is not related to the Primary Insured Person by blood; has exclusively lived with the Primary Insured Person for at least twelve (12) consecutive months prior to the date of enrollment; is not legally married or separated; is registered as a Domestic Partner or has an affidavit of domestic partnership; and as of the date of enrollment, has with the Primary Insured Person at least two (2) of the following financial arrangements: A) a joint mortgage or lease; b) a joint bank account; C) joint title to or ownership of a motor vehicle or status as a joint lessee on a motor vehicle lease; or d) a joint credit card account with a financial institution. Neither the Primary Insured Person nor the Domestic Partner can be married to, nor in a civil union with, anyone else.

Identity Theft Expenses means: the costs for notarizing affidavits or similar documents for law enforcement agencies, financial institutions or similar credit grantors, and credit agencies; the costs for sending certified mail to law enforcement agencies, financial institutions or similar credit grantors, and credit agencies; the loan application fees for reapplying for loan(s) due to rejection of the original application because the lender received incorrect credit information; the telephone expenses for calls to businesses, law enforcement agencies, financial institutions or similar credit grantors, and credit agencies; earnings lost by an Insured Person as a result of days off from work to complete fraud affidavits, meet with law enforcement agencies, credit agencies, merchants or legal counsel, up to a maximum of five (5) days; the Reasonable and Customary Charge for an attorney incurred for a) the defense of an Insured Person against any suit by businesses or their collection agencies, b) the removal of any criminal or civil judgements wrongly entered against an Insured Person and c) any challenge to the information in an Insured Person’s consumer credit report.

Identity Theft Occurrence means any act or series of acts of Identity Theft by a person or group. The Identity Theft Occurrence must occur while the policy is in force and be confirmed in writing by a police report in the jurisdiction where the Occurrence occurs.

Loss means Identity Theft Occurrence.

Lost Salary means the Insured Person’s regular wages that are forfeited due to the Insured Person’s absence from work during the sixty (60) days immediately following an Occurrence. Regular wages do not include overtime or incentive payments.

Spouse means the Insured Person’s husband or wife who is recognized as such by the laws of the jurisdiction in which the Primary Insured Person resides.

War means hostilities following a formal declaration of war by a governmental authority; in the absence of a formal declaration of War by a governmental authority armed, open and continuous hostilities between two countries; or armed, open and continuous hostilities between two factions, each in control of territory, or claiming jurisdiction over the geographic area of hostility.

We, Us and Our means Federal Insurance Company.

EXCLUSIONS: This insurance does not cover:
•  Any loss caused by an Insured Person; an Insured Person’s Immediate Family Member; an Insured Person’s estranged spouse; an Insured Person’s Immediate Family Member’s estranged spouse; any person who lives with the Insured Person or who ever lived with an Insured Person for six (6) months or more; a relative or guardian of an abducted child; or a civil authority.
•  Any loss caused by the Insured Person’s or the Insured Person’s Immediate Family Member’s commission or attempted commission of any illegal act.
•  Lost Salary if, immediately prior to the Occurrence, the Insured Person was receiving disability insurance, social security disability, unemployment compensation, or if the Insured Person was on personal or medical leave.
•  Any loss caused by the Insured Person’s participation in military action while in active military service with the armed forces of any country or established international authority. (This exclusion does not apply to the first 60 days of active military service.)
•  Any loss when a) the United States of America has imposed any trade or economic sanctions prohibiting insurance of any loss; or b) there is any other legal prohibition against providing insurance for any loss.
•  Any loss caused by declared or undeclared war.

CLAIM NOTICE: Written claim notice must be given to us within 20 days after the occurrence of any loss covered by the policy or as soon as reasonably possible Failure to give notice within 20 days will not invalidate or reduce any otherwise valid claim if notice is given as soon as reasonably possible.

CLAIM FORMS: When we receive notice of a claim, we will send you forms for giving proof of loss to us within 15 days. If you do not receive the forms, you should send us a written description of the loss.

CLAIM PROOF OF LOSS: For all claims, complete proof of loss must be given to us within 90 days after the date of loss, or as soon as reasonably possible. Failure to give complete proof of loss within these time frames will not invalidate any otherwise valid claim if notice is given as soon as reasonably possible and in no event later than 1 year after the deadline to submit complete proof of loss.

CLAIM PAYMENT: For all benefits, we will pay you or your beneficiary the applicable benefit amount within 60 days after we receive complete proof of loss and you, the Policyholder and/or the beneficiary have complied with all the terms of the policy.

EFFECTIVE DATE: Your insurance becomes effective on the latest of: the effective date of the policy, the date on which you first meet the eligibility criteria as the Insured Person or the beginning of the period for which required premium is paid for you. The Insurance for you automatically terminates on the earliest of: the termination date of the policy, the expiration of the period for which required premium has been paid for you, or the date on which you no longer meets the eligibility criteria as the Insured Person.

Answers to specific questions can be obtained by writing the Plan Administrator:

Lost Wallet Protector Service Center
4501 Forbes Blvd.
Lanham, MD 20706

HOW TO FILE A CLAIM

In the event of a claim, written or verbal notice
must be provided as soon as reasonably possible.

IF YOU HAVE ANY CLAIM RELATED QUESTIONS, OR TO SUBMIT A NEW CLAIM,

PLEASE CALL THE CLAIMS SERVICE CENTER AT:

855-830-3724

•  You can file a claim by mail or fax.

Mailing Address:
Crawford and Company
P.O. Box 4090
Atlanta, Ga. 30302

Fax Number:
1-855-830-3728

•  Complete all items on the required claim form.

•  Attach all appropriate documents (as applicable):

Plan Underwritten By
Federal Insurance Company
a member insurer of the
Chubb Group of Insurance Companies
15 Mountain View Road, P.O. Box 1615
Warren, NJ 07061-1615

As a handy reference guide, please read this and keep it in a safe place with your other insurance documents. This description of coverage is not a contract of insurance but is a summary of the principal provisions of the insurance while in effect. Complete policy provisions are contained In the Master Policy 9907-05-02, which can be obtained from the administrator.

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