All Fingerhut customers age 18 - 80 are eligible for six months of Permanent Total Disability Accident Insurance (age 18-69 $10,000; age 70-80 $5,000). Premiums for this coverage are paid as indicated on the enrollment form and rate schedule below. THERE IS NO COST TO YOU for the first six months of coverage compliments of Fingerhut. In order to initiate your coverage, YOU MUST COMPLETE THE ENROLLMENT FORM.

All Fingerhut customers age 18 - 80 and their spouses are eligible for additional coverage. On joint accounts, the person who completes the enrollment form will be the Primary Insured Person. Only the primary insured is eligible for the complimentary coverage.

If you or your Insured Spouse's (If Joint Coverage elected) injury results in Permanent Total Disability within 90 days after the date of the covered accident (subject to the conditions detailed in the Insurance Documents), and the disability continues for six months, we will pay the $10,000 complimentary benefit amount and the additional benefit amount for the plan you select. PERMANENTLY TOTALLY DISABLED/PERMANENT TOTAL DISABILITY - means that an insured person: (1) Has suffered a Paralysis, Double Dismemberment or other covered condition as explained in your Insurance Documents due to a covered accident; (2) Is Permanently unable to engage in any of the usual activities of a person of like age and sex whose health is comparable to the insured person immediately prior to the accident and (3) Is under the care of a Doctor.

For the additional and automatic coverages, if you are, or your Insured Spouse (if Joint Coverage elected) is, confined in a hospital as an inpatient as a result of an injury due a covered accident, we will pay a daily benefit up to 365 days. The daily benefit is equal to 1/7 of the weekly benefit for the plan you select. The term "hospital" does not include: (1) a nursing, convalescent or geriatric unit of a hospital when a patient is confined mainly to receive nursing care; (2) a facility that is, other than incidentally, a rest home, nursing home, convalescent home or home for the aged; nor does it include any ward, room, wing, or other section of the hospital that is used for such purposes; or (3) any military or veterans hospital or soldiers home or any hospital contracted for or operated by any national government or government agency for the treatment of members or ex-members of the armed forces.

For the additional and automatic coverages, if you are, or your Insured Spouse (if Joint Coverage elected) is, required to receive Emergency Treatment in a hospital emergency room as a result of a covered injury, we will pay the maximum benefit amount for the plan you select.

No Insurance Underwriting Restrictions
All eligible Fingerhut customers who complete the enrollment form will be accepted. There are no medical questions or physical examinations required for enrollment. Termination of Coverage
No-cost coverage terminates on the earlier of six months from the effective date shown on the Insurance Documents or the date the Master Policy is terminated. Additional and automatic coverage terminates on the earliest of: the date you request termination, the date you cease to be eligible for Coverage, or the date you fail to pay any required premium or the date the master policy is terminated. The Total Permanent Disability coverage terminates at age 85. Automatic Coverage
After the first six months of no-cost coverage, unless you call to cancel, your coverage will automatically be upgraded
to $100,000* of Total Permanent Disability coverage and the monthly premium of $5.95 will be automatically charged to your MetaBank / Fingerhut credit account. Coverage can be cancelled by calling the toll free number included in your Insurance Documents. Joint Coverage/Additional Coverage
A Joint plan, if selected, will insure you for the Additional Coverage checked on your enrollment form and your spouse for 50% of the Additional Coverage (benefits reduce by 50% at age 70). For the monthly premium, please refer to the "Additional Coverage Rate Schedule". Effective Date of Coverage
The no-cost coverage, if selected, will become effective on the date shown on the schedule page of your Insurance Documents. The Automatic coverage, if selected, will become effective on the first day after the six months of no-cost coverage, unless you call to cancel. If the Additional coverage is selected, it will become effective on the date your account is billed for coverage.

This insurance duplicates some Medicare Benefits. This is not Medicare Supplement Insurance. This insurance pays
a fixed dollar amount, regardless of your expenses, for each day you meet the policy conditions. It does not pay your Medicare deductibles or coinsurance, and is not a substitute for Medicare Supplemental insurance. This insurance duplicates Medicare benefits when any expenses or services covered by the policy are also covered by Medicare. Medicare generally pays for most or all of these expenses.

Medicare pays extensive benefits for medically necessary services regardless of the reason you need them. These include hospitalization; physician services; outpatient prescription drugs if you are enrolled in Medicare Part D; and
other approved items and services.

Before you buy this insurance check the coverage in all health insurance policies you already have. For more
information about Medicare and Medicare Supplement Insurance, review the Guide to Health Insurance for People
with Medicare, available from the insurance company. For help in understanding your health insurance, contact your state insurance department.

Covered Activities
Coverage is provided for all activities except while riding as a fare paying passenger on a commercial airline.
[Note: This coverage is also subject to the limitations regarding travel or flight on an aircraft as explained in General Exclusion # 7 below.] General Exclusions
No coverage shall be provided under the Policy and no payment shall be made for any loss resulting in whole or in
part from, or contributed to by, or as a natural and probable consequence of any of the following excluded risks: