INSURANCE SERVICES OF AMERICA: We are a worldwide marketer of "niche" insurance products, specializing in short-term major medical plans, group dental insurance, trip and travel insurance, and international health insurance.  We have over 39 years of health and life insurance experience and have been featured in AMERICAN WAY, "Health Beyond Borders," in Short-term Missions Today, "International Health Insurance, Don't Leave Home Without It" and in Global HR News Magazine, "Insurance Without Borders".  Review our coverage, get a quote and apply online; or call us for personal service.   SATISFACTION GUARANTEE: If you are not satisfied for any reason and you have filed no claims, then return the Coverage Document (within 10 days of receipt) with your written request by fax or mail for cancellation to Insurance Services of America. Coverage will be cancelled as of the effective date and you'll receive a full premium refund. Call or email us with any questions or for personal assistance.  Insurance Services of America 1757 E. Baseline Road, Suite 126 Gilbert, AZ  85233 (800) 647-4589 * (480) 821-9052 * (866) 793-4779 TOLL FREE FAX Email health@shorttermhealthplan.com                 ABOUT THE INSURANCE COMPANIES: HCC Insurance Holdings, Inc. (NYSE: HCC). Headquartered in Houston, Texas, HCC Insurance Holdings, Inc. (HCC) is a leading international specialty insurance group with offices across the United States and in Bermuda, Spain, Ireland and the United Kingdom. HCC has assets of more than $8.0 billion, shareholders’ equity in excess of $2.3 billion and is rated AA (Very Strong) by Standard & Poor’s, AA (Very Strong) by Fitch Ratings and A+ (Superior) by A.M. Best Company. ABOUT THE ADMINISTRATOR: MultiNational Underwriters® (MNU) was established in 1998. It quickly became a recognized leader in the field of international health insurance, offering a complete portfolio of health and life insurance products to customers in over 130 countries.