Full Brochure

PE

RS

ON

AL

LI N

ES

Life Stage Protection and Peace of Mind

AIG56027_16PG.qxd 1/7/10 8:13 AM Page 1

About Chartis International Personal Lines DivisionChartis International Personal Lines is a leading worldwide provider of property and casualty (P&C)insurance, offering innovative products and services tailored to meet the needs of all customers.The Personal Lines Division offers Automobile, Personal Property, Extended Warranty, Private ClientGroup (PCG) and the PLUS+ Product Suite.

Working with Chartis International Personal Lines provides your company with many benefits,to include:

� Dynamic marketing programs that offer distinctivevalue to new and existing customers, whileenabling you to diversify and grow your revenuepotential

� Unique insurance solutions that provide your firmwithmarket differentiation

� International insurance expertise from seasonedprofessionals who understand local needs of globalorganizations

� Flexibility and choice to design innovativeproducts that offer diversity and meet yourinsurance needs

� Consultative needs-based sales approach which provides you with a full spectrum of insuranceproducts—so you can offer your customersmeaningful solutions

� Outstanding service provided to more than 58 million policyholders in over 60 countries—offering your customers solid experience and worldwide services and protection

� Global expertise to write policies in local language and service our policyholders in countryand in-language

In summary, we are an international P&C insurer with a global reach and an unmatched P&C network.But most importantly, we have a local presence and the local knowledge to understand yourcustomers’ emerging needs and wants.

AIG56027_16PG.qxd 1/7/10 8:13 AM Page 2

TABLE OF CONTENTS

The PLUS+ 5 Advantage—Your Business Improvement Solution………..…………....................….......................1Benefits to You …………………………………………………………………………….......…..........….........................................................1Benefits to Your Customers ………………………………………………………………….................…..............................................2

PLUS+ Solutions Purchased throughout Customers’ Life Stages (The Power of PLUS+) .….................. 3

Protection Solutions for all Ages, Life Stages and Lifestyles.……………….…............................…........................4

Product Categories and Customer Profiles…………………………………………………….........…..............................................5

Identity & Credit Card Protection …………..........................……………………….…………….........….........…….....................5Identity TheftFraudulent ChargesATM Assault and RobberyWalletGuard

Supplemental Travel Coverage ….………………………………………………...............................................….....................6Personal Trip LiabilityPersonal Trip Effects CoverageHome Protection While You Are Away

Product Protection ............................................................................…...............................................7Purchase ProtectionPrice ProtectionKey Replacement CoverageE-GuardAppliance Repair CoverageWarrantyGuard

Lifestyle Protection .........................................……………….............................…..............................…..8Golfer’s InsuranceWatercraft CoveragePrivate Collections

Disaster Protection ….....................................……………………............................................................…9

Disaster Cash CoverageDisaster MortgagePersonal Disaster

Enhanced Auto Protection .…………......................................………………………………........................................10

Collision, Damage Waiver and Supplemental Liability

How toGet Started………………………………………………………………................................................…………….................................11

Chartis International Personal Lines

AIG56027_16PG.qxd 1/7/10 4:53 PM Page 3

The PLUS+ 5 Advantage –YourBusiness Improvement Solution

Benefits to YouAdding PLUS+ to your product offerings and leveraging its advantages can help improve your business in 5 key ways.We call this The PLUS+ 5Advantage.

PLUS+ 1: Market Differentiation—Beat Your CompetitionBusiness today is ferociously competitive. Marketdifferentiation is critical in order to attract a broadercustomer base and to retain your current valuedcustomers. With PLUS+’s flexibility you candifferentiate yourself from the competition.

Whether your company is seeking to increasecustomer acquisition, product usage, or improvecustomer retention, Chartis International PersonalLines has a PLUS+ product to help you meet yourbusiness goals. PLUS+ products are easy tounderstand, affordable and provide a breadth oflife stage solutions that can be customized to meetthe needs of current and future customers.

If you identify a protection need, we will work with you to design a solution desirable for your customers. Through creativepackaging, marketing and effective distribution strategies, PLUS+ products can help differentiate your company within themarketplace and help you outperform competitors. Chartis International’s Personal Lines PLUS+ products offer an opportunityfor your company to create or enhance customer relationships with all customers seeking protection throughout their lifetime.

PLUS+ 2: GrowYour BusinessThe breadth of PLUS+ life stage product solutions willhelp you target new markets and grow your customer base.Several of the PLUS+ product solutions require that apayment card be used to pay for 100% of the itempurchased. This product requirement provides a strongincentive for customers to use your payment card and willhelp increase usage. Additionally, using the payment cardto pay for higher-priced items such as travel and car rentalsmay increase revolving balances—helping to grow yourbusiness and create further reliance on your company’sservices.

1

The PLUS+ 5 Advantage

PLUS+ 1 Market DifferentiationPLUS+ 2 Business GrowthPLUS+ 3 Customer RetentionPLUS+ 4 RevenueGenerationPLUS+ 5 Worldwide Implementation and Local Customer Support

AIG56027_16PG.qxd 1/7/10 8:14 AM Page 4

2

PLUS+ 3: Customer RetentionImprovementOur loyalty programs provide value-addedbenefits to your customer base withoutadditional cost. The NAC (no additional cost)programs offer “thank you” benefits and makeyour customers feel appreciated, providing themwith an incentive to use your card when makinga purchase. This translates into security andpeace of mind for them, which will improveretention and help create lifetime customers.

PLUS+ 4: GenerateOngoing RevenuePLUS+ products can become revenuegeneration programs that help you improve yourbusiness operations. They can be structured toprovide you with an income stream separateand apart from your core business revenue.Our marketing programs can increase yourbusiness potential and provide diversity.

PLUS+ 5: Worldwide Implementation and Local Customer SupportWe are committed to exceeding expectations and delighting your customers with a positive end-to-end customer experiencefrom the point of sale, through local administration and in ultimately servicing their claims in local language. No matter wherecustomers are in the world (on business or vacation), our service will be reliable, consistent and easy to reach. Our localcustomer support teams stand ready to service your needs. Happy customers will bring loyalty and help drive your bottomline profits.

Benefits to Your CustomersOur primary objective is to bring value to you. We believe thatfocusing on your customers is the right business approach that willresult in profitable business growth for you.

Chartis International Personal Lines is committed to providingyour customers with products that provide:

PLUS+ Easy to understand protection solutions thatmeet their growing needs

PLUS+ Affordable insurance

PLUS+ Life stage solutions enabling financialindependence to be achieved

PLUS+ Peace of mind

PLUS+ Security

AIG56027_16PG.qxd 1/7/10 8:14 AM Page 5

Life Stage

YoungAdult Middle Years Senior

Protection

NeedsIncrease

High SchoolGraduation

FirstJob

FirstCar Purchase

Marriage

FirstChild Born

First Home

Family Grows Career PeakFully Retired

PLUS+providesProtectionSolutionsForConsumers of allAges, Life Stages andLifestyles

That’sThe Power of PLUS+

Protection Solutions for Everyone

3

Identity Theft

Fraudulent Charges

ATMAssault andRobbery

WalletGuard

Purchase Protection

Price Protection

KeyReplacementCoverage

ApplianceRepair Coverage

E-Guard

WarrantyGuard

Disaster CashCoverage

DisasterMortgage

PersonalDisaster

HomeProtectionWhile YouAreAway

Personal Trip Effects Coverage

Personal Trip Liability

Collision,DamageWaiver andSupplemental Liability

Watercraft Coverage

PrivateCollections

Golfer’s Insurance

AIG56027_16PG.qxd 1/7/10 8:14 AM Page 6

Young Adult Middle Years Fully Retired

Protection SolutionsFor all Ages, Life Stages and Lifestyles

ConsumersLife Stage Needs

Simply put, PLUS+ Products provide insurancefor your customers’ every need

High SchoolGraduation

First Job(First car purchase) Marriage

First HomePurchase

Young Family(First child born)

ExpandedFamily Career Peak Senior

�

�

�

�

�

�

�

�

�

�

�

�

�

�

�

�

�

�

�

�

�

�

�

�

�

�

�

�

�

�

�

�

�

�

�

�

�

�

�

�

�

�

�

�

�

�

�

�

�

�

�

�

�

�

�

�

�

�

�

�

�

�

�

�

�

�

�

�

�

�

�

�

�

�

�

�

�

�

�

�

�

�

�

�

�

�

�

�

�

�

�

�

�

�

�

�

�

�

�

�

�

�

�

�

�

�

�

�

�

�

�

�

�

�

�

�

4

PLUS+ Products

Identity Theft

Fraudulent Charges

ATMAssault andRobbery

Lost Wallet Coverage(WalletGuard)

Personal Trip Liability

Personal Trip EffectsCoverage

HomeProtectionWhileYouAreAway

Price Protection

Purchase Protection

KeyReplacementCoverage

E-Guard

WarrantyGuard

ApplianceRepair Coverage

Golfer’s Insurance

Watercraft

PrivateCollections

Disaster Cash(for residents in high risk area)

DisasterMortgage(for residents in high risk area)

PersonalDisaster

Collision,DamageWaiver andSupplemental Liability

AIG56027_16PG.qxd 1/7/10 8:14 AM Page 7

Product Categories and Customer Profiles

PLUS+ Products target 6 distinct customer profiles—offering 20 PLUS+ stand alone products. Products can be soldindividually, bundled across PLUS+ Products categories, or embedded into core protection coverage such as auto,homeowners, or extended warranty. The opportunities are unlimited.

1. Identity & Credit Card Protection

“Risk & Financially Savvy Consumer”These customers are seeking protection for their payment cards on which they are heavily reliant financially and emotionallyfor daily purchases of goods and services. Due to the high card dependence customers carry their cards in their wallets(WalletGuard). Daily card exposure can make them vulnerable to fraudulent card activity (Fraudulent Charges) and theftof their identity (Identity Theft Coverage). These individuals usually carry little to no cash and therefore access to ATMs isimportant when cash is needed (ATM Assault and Robbery). Consider bundling two or more of these protective covers.

Identity TheftIdentity Theft is a product that provides your customers with reimbursement forexpenses related to resolving an identity theft which include:

� Legal expenses

� Lost wages for time off from work

� Tools to recover identity theft, including sample letters that can be used tocontact financial institutions, credit bureaus, collection agencies and lawenforcement agencies to recover one’s identity

Fraudulent ChargesFraudulent Charges reimburses your customers for unauthorized charges made onlost or stolen payment card up to 12 hours prior to first reporting the event to thepayment card issuer. Cash advances are not covered.

ATMAssault and RobberyATM Assault and Robbery provides your customers with peace of mind when usingan ATM at home or abroad. This coverage reimburses customers for the moneywithdrawn from any ATM machine worldwide using their payment card, shouldrobbery occur within 15 minutes of the withdrawal. Customers will receivereimbursement of emergency first aid charges for bodily injury suffered during acovered ATM assault and robbery event.

WalletGuardIn this fast-paced world wallet theft is increasing. Additionally, your customershave daily dependence on items they hold in their wallets. WalletGuard providesyour customers with replacement of costs for:

� Lost or stolen wallet

� Payment cards

� Lost or stolen papers, including driver’s license, passport and other forms ofgovernment identification

� Application fees for applying for new personal papers

Money, checks and transportation tickets contained in the wallet are not covered under this product.

Please refer to the actual policy for complete details of all protection coverages and their exclusions. Coverage may not be available in your country.

Protect your customers’ paymentcard on which they heavily rely bothfinancially and emotionally for dailypurchases of goods and servicesagainst fraud.

Calm your customers’ fears andposition your company as one thatprotects its valued customers in themidst of an ever-changingtechnological environment.

5

AIG56027_16PG.qxd 1/7/10 4:54 PM Page 8

2. Supplemental Travel Coverage

“Astute Traveler”These customers are cautious planners who enjoy personal travel and want to ensure they are able to enjoy their trip whileaway from home. They will purchase protection to eliminate financial worry while taking pleasure trips. The three supplementaltravel covers provide financial protection against accidental damage (Personal Trip Liability), protection for lost and stolenbelongings (Personal Trip Effects) and home contents insurance (Home Protection While You Are Away). A Personal Trip is anynon-business travel with a distance that is greater than 50 miles or 80 kilometers. These protective coverages can be bundledtogether or sold individually.

Personal Trip LiabilityProvides customers with liability protection for accidentalbodily injury and property damage to third parties duringa personal trip when the entire cost of passenger fare ischarged to a payment card.

Personal Trip Effects CoverageCovers your customers with replacement costs for loss, theft or accidentaldamage to their:

� Luggage

� Personal papers

� Personal effects

� Loss or theft of money and checks

� Passenger fare(s) of personal trips charged entirely to a payment card

� Travel costs and necessary accommodation expenses incurred to obtainreplacement of lost or stolen passport while abroad

Loss of passports that occurs domestically and theft that occurs on business trips are not covered.

HomeProtectionWhile YouAre AwayProvides contents coverage for your customers’ homes against burglaryevents when away on a personal trip for which the entire cost of passengerfare was charged to a payment card. This coverage provides reimbursementagainst burglary events for the damage, destruction, loss or disappearanceof the following items:

� Furniture

� Clothes

� Electrical and stereo equipment

� Money and checks


6

Supplemental Travel Coverage can help eliminatecustomers’ worries when traveling for pleasure byproviding them with added financial protection andsecurity.

AIG56027_16PG.qxd 1/7/10 4:54 PM Page 9

*Note: minimum age may apply. Please check the actual policy.

Purchase ProtectionThis coverage goes beyond thelimitation ofmanufacturer’s warrantydefects and protects your customers’purchases from loss due to theft andaccidental damage for 90 days from thedate of purchase. Itemsmust bepurchased entirely with a paymentcard. As an example, coverage providesa fixed dollar amount such as

US$1,000—US$3,000 per occurrencewith aUS$5,000 aggregatelimit. Other limits are available upon request. Any items carriedby customers or acquired during a personal trip are not covered.

Price ProtectionPrice Protection coverage reimburses your customers for anydifference between the purchase price paid for an item and alower printed advertised value for the same item within theagreed timeframe. The standard product item must costUS$50 or more and be paid for entirely with a payment card.Other limits are available upon request.

Key Replacement CoverageIn this fast paced world, paniccan strike when your customersdo not have access to their homesand/or vehicles for an extendedperiod, due to lost or stolen keys.Replacement coverage will reimburseyour customers for the following costs of replacing theirresidence and/or vehicle/keys which are lost and/or stolen:

� Break-in Protection: cost of replacing locks andkeys if residences or vehicles are broken into

� Lockout Reimbursement: cost of obtaining alocksmith if locked out of the residence or vehicledue to the loss or theft of their keys

� Rental Car Reimbursement: cost of rental car whilethe vehicle key is lost or stolen and replacement willexceed 24 hours

E-GuardEverywhere you lookyoung people aretexting and evenmore adults havebecome reliant ontheir electronicsand cell phones.E-Guard provides comprehensive coverage for customersof all ages* who purchase personal, portable electronicequipment. The coverage is comprised of four components:

� Accidental damage to electronic equipment

� Burglary or robbery of personal electronicequipment

� Wallet coverage from theft

� Identity theft coverage

Appliance Repair CoverageProvides customers with the comfort of knowing they canreceive quality repairs to their appliances without greatexpense—while keeping their homes running smoothly.Appliance Repair provides repair or replacement expense foryour customers’ existing domestic kitchen and laundryappliances, in the event that there is an electrical failureand/or mechanical breakdown after the manufacturer’swarranties have expired. Mechanical breakdowns are notcovered under most homeowners insurance.

WarrantyGuardThis coverage provides customers with the comfort ofknowing that their appliances, which they depend on daily,

will have double the manufacturer’swarranty up to a maximum of 12months. The protection applies torepairs and replacements for anydomestic electrical goods andappliances that customers purchasewith a payment card.


3. Product Protection

“Smart Shopper”These customers are cautious shoppers who plan before making a purchase. They value and seek protection for items

purchased and want to ensure that damages and defects do not cause them financial distress (Purchase Protection, E-Guard,

WarrantyGuard and Appliance Repair Coverage). Some customers search for discounts (Price Protection). Other customers

in this category have daily dependence on their electronics and connectivity with family members and friends (E-Guard).

Additionally, while they take the time to become educated customers, they live a fast paced lifestyle and cannot afford to

be without access to their home and vehicle (Key Replacement Coverage).

7

AIG56027_16PG.qxd 1/7/10 4:55 PM Page 10

4. Lifestyle Protection

“Smart Lifestyle”These customers are easy to target due to their hobbies as golfers (Golfer’s Insurance), boaters (Watercraft Coverage)

and/or collectors (Private Collections). Using one or more PLUS+ products will enable your business to offer meaningful

protection to this defined group of customers who take time to enjoy life and are seeking protection to reduce worry when

having fun. These unique protective offerings can help strengthen your customer relationships by providing meaningful

insurance they will appreciate as you demonstrate respect for their lifestyle.

Golfer’s InsuranceGolfer’s Insurance is a unique product your company can use to targetcustomers who play golf—the fastest-growing sport in the world.This coverage includes:

� Liability: covers legal liability for accidental injury to others orproperty damage while playing golf at any course or club

� Hole-in-One Coverage: provides reimbursement of expense incurredas a result of scoring a hole-in-one at any golf course or club

� Loss of Clubs and Personal Effects: covers the loss of clubs, bags andother personal items

� Personal Accident: covers injury or death while your valued customersare playing golf at any course or club

Watercraft CoverageWatercraft Coverage provides protection for your customers’ personal useof their watercraft, targeting sailboats, motor boats, and other pleasure craftsup to 13 meters (approximately 42 feet) in length.

Watercraft Coverage includes hull, machinery and liability insurance:

� Hull andMachinery: covers the direct physical damage to, or loss ofpersonal watercraft arising from: fire; lightning; explosion; theft;collision; accidental damage; falling objects and salvage charges

� Protection and Indemnity Liability (P&I): covers liability for propertydamage and bodily injury and related legal costs

Private CollectionsPrivate Collections provides coverage for your customers’valuable fine art, collectibles and jewelry including:

� Higher limits than conventional homeowners policies

� Additional coverage limits for new acquisitions up to 10%of the policy limit with a cap of US$250,000 for eachcategory: fine art, collectibles and jewelry

� Cost of restoration and resulting diminution of value forpartial losses

� Sub-limits for unscheduled fine art, collectibles andjewelry

� Worldwide coverage


8

Provide your customers with access to uniquepersonal property coverage that goes far beyond atypical homeowners policy.

Assure your customers’ peace of mindwhile they focus on their pleasure andleisure activities.

AIG56027_16PG.qxd 1/7/10 4:55 PM Page 11

We provide financial protection for disasters whether anextraordinary situation results from a natural disaster orpersonal disaster.

*If the primary residence is covered a second home can also be covered. Properties used as rentals and mobile homes are excluded from coverage.**This is not homeowners insurance.***This is not automobile insurance.

Disaster Cash Coverage*

Disaster Cash Coverage pays your customers a defined cash benefitto help with critical expenses when their home(s) becomeuninhabitable for more than 48 hours due to direct physical lossor damage that results from one of the following governmentdeclared natural disasters: flood; forest or brush fire; earthquake;volcanic eruption or other convulsions of nature; hurricane/typhoonor windstorm/cyclone. Disaster Cash coverage can alsobe customized for non-government related disasters, such asindividual house fires.

Disaster Mortgage**

Disaster Mortgage provides your customers with mortgagereimbursement in the event their homes become uninhabitable forover 48 hours following a disaster. Permanently uninhabitable homeswill receive lump-sum payments toward the outstanding mortgagebalance up to the defined limit. Coverage does not apply to propertyrepair or rebuilding. It is designed to complement your customers’existing primary homeowners policies; the coverage reimbursesmonthly mortgage payments.

Personal Disaster***

Personal Disaster coverage pays your customers a defined cashbenefit if their vehicle is stolen or totally destroyed due to fire orcollision. In the case of loss, we will provide your customers an agreedupon benefit to be used as an advanced payment for the purchase of anew vehicle. We may also provide cash benefit if their vehicle istemporarily disabled, to enable alternative transportation to bearranged while the vehicle is being repaired.


5. Disaster Protection

“Ultra Planner”These customers most likely have reason to plan ahead for a disaster, based on past life experience. Purchasers of Disaster

Mortgage (mortgage reimbursement) and Disaster Cash (cash payment to help pay expenses) are seeking to protect their assets

and usually live in high risk areas.

Chartis International Personal Lines understands that a disaster can also strike on an individual basis, as is the case when acustomer’s car is destroyed due to a personal accident or is stolen. Customers who buy Personal Disaster have great concernabout being without their car should it be lost as the result of a personal catastrophe or theft.

9

AIG56027_16PG.qxd 1/7/10 4:56 PM Page 12

6. EnhancedAuto Protection

“Cautious Driver”Customers who rent vehicles are the target market for this Collision,

Damage Waiver and Supplemental Liability coverage. This target

market is comprised mostly of frequent travelers. This coverage is

often offered at time of rental, which makes this customer easily

approachable when the need for this insurance is top of mind.

10

Collision, DamageWaiver and Supplemental LiabilityCollision, Damage Waiver and Supplemental Liability coveragecan protect your customers in the event an auto accident occursinvolving a vehicle that was rented with a payment card. Thepayment card must be used to pay for 100% of the vehicle rental fee.


Coverage protection includes:

� Liability

� Property damage

� Accidental damage and theft

AIG56027_16PG.qxd 1/7/10 8:14 AM Page 13

11

How toGet Started

Put thePLUS+ 5 Advantage towork for you Today!

Review your business to determine yourcustomers’ pressing needs.� What are the existing insurance protection coversor needs for which you can provide solutions now?

Identifymarket growth opportunities.� What is the largest obstacle preventing yourbusiness from meeting its objectives?

� Where would you like to take your business overthe next year?

Contact your local Chartis Internationalrepresentative today.We will help you to identify solutions to address pressing

customer needs, grow your business through increased retention

and offer you customer loyalty.

Visit our Internet site: www.chartisinsurance.com for additional information.

Enhance RevenueGrowth and RetentionwithPLUS+ 5 Advantage—Your Business Improvement Solution

ThThee PLUS+ 55 Advantage

PLUS+ 1 MMararketket DDifferifferententiatioiationn

PLUS+ 2 BusiBusinesnesss GrGrowtowthh

PLUS+ 3 CustCustoomermer RetRetententionion

PLUS+ 4 RevenRevenueueGenGeneraerationtion

PLUS+ 5 WoWorldrldwidewide ImplImplementatementationion anandd LoLoccalal CusCusttomeromer SuSupppporortt

The Power of PLUS

AIG56027_16PG.qxd 1/7/10 8:15 AM Page 14

AIG56027_16PG.qxd 1/7/10 8:15 AM Page 15

Your world, insured

Chartis International175Water StreetNew York, NY 10038www.chartisinsurance.com

All products are written by insurance company subsidiaries or affiliates of Chartis Inc. Coveragemay not be available in all jurisdictions and is subject to actual policy language. Non-insuranceproducts and services may be provided by independent third parties. Certain coveragemay be provided by a surplus lines insurer. Surplus lines insurers do not generally participate in stateguaranty funds and insureds are therefore not protected by such funds.

PL01101038 (ex 01/11)

AIG56027_16PG.qxd 1/7/10 8:15 AM Page 16