The insurance programs summarized below are offered by and are administered by Harvey Watt & Co. of Atlanta, Georgia.

For specific information or answers to any questions you may have on these insurance programs, please contact Pat Heibel at Harvey Watt & Co. at

(800) 241-6103, or call the AICA office at (800) 808-2552. These policies are designed to remain in force and follow the individual pilot whatever his or her subsequent airline or union affiliation.

SUPPLEMENTAL MAJOR MEDICAL:

This plan offers $2,000,000 catastrophe Major Medical Insurance Plan, which includes nursing home and home health care benefits. As with the APA plan, this is intended to supplement your primary coverage from American Airlines, and the $50,000 deductible is more than covered by your primary coverage. This is not an additional deductible to you.

LOSS OF LICENSE:

The coverage provided by Harvey Watt & Co. is designed to meet the needs of today's pilot. They offer two kinds of policies:

1) Lump Sum Benefit Plans - available in amounts ranging from $25,000 to $500,000

2) Monthly Benefit Plans - available in amounts ranging from $500 per month to $5,000 per month.

GROUP LIFE:

The group life program provided by Harvey Watt & Co. allows a pilot to design a program to meet his or her individual needs. A pilot can purchase group coverage providing up to $500,000 worth of coverage for a pilot and/or spouse and $5,000 per child - all at affordable rates.

LONG TERM CARE:

This policy provides additional protection to help protect you on extended illness expenses.

For complete information on any or all of the above coverages contact:

Harvey Watt & Co. at (800) 241-6103.