Call the number on the back
of your American Express® Card.

You are eligible for enrollment if you are aged 18 and less than 69 and your account(s) is in good standing. Your Certificate, explaining all benefits and terms of coverage will be mailed to you upon enrollment and will indicate the effective date of coverage. You may cancel your coverage with no obligation within 30 days of receiving your Certificate. Disability Benefits and Terms: Benefits are paid as long as you are disabled and will continue until 24 consecutive payments have been made, or you return to work, or you are no longer disabled, or the outstanding balance has been paid, or the maximum of $10,000 has been paid (whichever comes first). If you have more than one account, the total insurance provided under all your accounts cannot exceed $10,000.

The monthly benefit will equal either 5% of your incurred outstanding balance or $10, whichever is greater, to a maximum of $500 per month. Coverage does not apply to purchases or charges made after you become diagnosed with a Critical Illness or disabled or while you are receiving benefits under this coverage.

For Critical Illness: Benefits are paid if you are initially diagnosed with one of the following illnesses or conditions: Heart Attack, Stroke, Cancer, Coronary Artery Disease (refers only to bypass surgery), while insured; and you survive more than 30 days after the initial diagnosis. Payment of a Critical Illness benefit terminates all coverages under this Certificate. The proceeds are the total amount incurred on Your Account as of the date of diagnosis, to a maximum of $10,000. Critical Illness does not cover a pre-existing condition, non-invasive cancers in situ, Kaprosi's Sarcoma, any skin cancer other than malignant melanomas, localized non-invasive tumors showing only early malignant changes, papillary cancer of the bladder, and stage 1 Hodgkin's Disease; or stage A prostate cancer; or transient ischema attacks of vertebrobrasilar ischemia.

Disability does not cover losses caused by normal pregnancy or childbirth; intentional self-inflicted injuries, attempted suicide, attempted commission of a criminal offence; nervous, mental, or psychological, emotional or behavioral disorder; abuse of drugs or alcohol; foreign travel or residence; or a condition that required medical diagnosis or treatment in the six months before your coverage began, if the loss occurs within the first six months of coverage.

Life Insurance Terms and Benefits:

Payment will be made in the amount of your total outstanding balance at the time of death to a maximum of $10,000. If you have more than one account, the total insurance provided under all accounts cannot exceed $10,000. Suicide during the first six months of coverage is excluded.

AMEX Account Protector Insurance coverages for Life, Critical Illness and Disability.

Claims Procedure:

In order to file a claim, notice of loss must be provided to the insurer. Any claim must be filed to the insurance company after the 30 day elimination period and within 90 days from the date of loss. The insurer will send you a claim form for filing within 15 days after notice of claim has been received. The insurer can be contacted Toll Free at 1-877-408-2639 or in writing to Financial Claims P.O. Box 7000 Kingston, Ontario K7L 5V3.

Termination of Policy:

The insurance policy terminates on the sooner of:
a) The date of your request (in writing or by phone); or
b) The date your credit privileges have been revoked on your account; or
c) The date of the statement following your 70th birthday for Life, Critical Illness and Disability coverages.
d) The date of your or your spouse's Dismemberment or Death; or
e) The date your account is terminated


Coverage costs only 79¢ per $100 of your ending monthly Credit Card statement balance.

Underwriters: AMEX Account Protector Insurance is underwritten by American Bankers Life Assurance Company of Florida under policy form 010206L and American Bankers Insurance Company of Florida under policy form 010206L, Assurant SolutionsTM companies.

This document is a general summary only of the AMEX Account Protector Insurance Plan.

Amex Bank of Canada and its affiliates are not liable for any coverage or benefit provided by the underwriter of the policy. If you have any dispute related to coverage or benefit, please contact the underwriter directly at 1-877-408-2639.

Once enrolled, you will receive a Certificate of insurance from American Bankers Life Assurance Company of Florida outlining all the applicable limitations, conditions and exclusions. Please read the Certificate carefully.

All the provisions of the Plan are contained in the Master Policy No 010206L. The Master Policy is complete in detail and the final interpretation of any specific provision or claim is governed by it. The terms and conditions of the Master Policy will prevail.

AMEX Account Protector Insurance is not available on the American Express® Card, The American Express® Gold Card, The Platinum Card® from American Express, The American Express® Corporate Card for Small Business, The American Express® AeroplanPlusTM Card, The American Express® AeroplanPlusTM Gold Card or The American Express® AeroplanPlusTM Platinum Card.

Amex Bank of Canada identifies insurance providers and products that may be of interest to some of its customers. In this role we do not act as an agent or fiduciary for you, and we may act on behalf of the insurance provider, as permitted by law. We want you to be aware that we receive compensation from insurance providers and our compensation may vary by provider and product. Also, in some cases, an affiliated American Express entity may be the insurer or reinsurer and may earn insurance or reinsurance income. The arrangements we have with certain providers, including the potential to reinsure products, may also influence what products we identify. We do not require you to purchase any insurance product, and you may choose to cover your insurance needs from other sources on terms they may make available to you.