Disclaimer-RESCUE for Nurses

Please Read Below

Berkley Life & Health Insurance Company Disclaimers

This is a brief description of coverage provided under policy form series BI-10000P, Rider form Series BI-10005R and BI-10008R underwritten
by Berkley Life and Health Insurance Company (domiciled in Iowa – California Certificate of Authority #08527) 2445 Kuser Road, Suite 201,
Hamilton Square, NJ 08690 and is subject to the terms, conditions, limitations and exclusions of the policy. Please see the policy for complete
details. Coverage terms, conditions, limitations and exclusions may vary or may not be available in all states

The insurance described in this document provides limited benefits. Limited benefits plans are insurance products with reduced benefits intended
to supplement comprehensive health insurance plans. This insurance is not an alternative to comprehensive coverage. It does not
provide major medical or comprehensive medical coverage and is not designed to replace major medical insurance. Further, this insurance
is not minimum essential coverage as set forth under the Patient Protection and Affordable Care Act.

CM&F Group