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DISCLAIMER

PLEASE READ CAREFULLY:

COVERAGE FROM ULHIGA MAY BE UNAVAILABLE UNDER THIS POLICY. OR, IF AVAILABLE IT

MAY

BE

SUBJECT

TO

SUBSTANTIAL

LIMITATIONS

OR

EXCLUSIONS.

THE

DESCRIPTION

OF

COVERAGES CONTAINED IN DESCRIPTION. YOU CANNOT

THIS RELY

DOCUMENT IS AN ON THIS DOCUMENT

OVERVIEW.

IT IS NOT A COMPLETE

AS A DESCRIPTION OF COVERAGE.

FOR

A

COMPLETE

DESCRIPTION

OF

COVERAGE,

CONSULT

THE

UTAH

CODE,

TITLE

31A

CHAPTER

28.

COVERAGE IS CONDITIONED ON CONTINUED RESIDENCY IN THE STATE OF UTAH.

THE PROTECTION THAT MAY BE PROVIDED BY ULHIGA IS NOT A SUBSTITUTE FOR CONSUMERS' CARE IN SELECTING AN INSURANCE COMPANY THAT IS WELL-MANAGED AND FINANCIALLY STABLE.

INSURANCE COMPANIES AND INSURANCE AGENTS ARE REQUIRED BY LAW TO GIVE YOU THIS NOTICE. THE LAW DOES, HOWEVER, PROHIBIT THEM FROM USING THE EXISTENCE OF ULHIGA AS AN INDUCEMENT TO SELL YOU INSURANCE.

THE ADDRESS OF ULHIGA, AND THE INSURANCE DEPARTMENT ARE PROVIDED BELOW.

Utah Life and Health Insurance Guaranty Association 955 E. Pioneer Road Draper, Utah 84020

Utah Insurance Department STATE OFFICE BUILDING, ROOM 3110 Salt Lake City, Utah 84114

110928

08-20-01

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